Paige Geisler
Licensed Insurance Agent
Paige is an assistant agent for State Farm and is licensed to sell property and casualty, health, and life insurance in Virginia. She handles all different types of insurance and financial services and is currently working on a securities and bonds license. Paige has a degree from Radford University in English and is a certified notary.
Articles by Paige Geisler (38)
20 Year Term Life Insurance: Rates and Best Carriers
20-year term life insurance is the most popular term length in the United States because the 20-year horizon matches the years most working-age parents need to replace their income while children grow up or a mortgage is paid down. Rates are locked at issue for the full 20 years and the policy can be converted to permanent coverage in most cases without a new medical exam. A healthy 35-year-old can typically lock $500,000 of 20-year term for roughly $20 to $26 a month with a top-rated carrier.
15 Year Term Life Insurance: Rates and Best Carriers
15-year term life insurance locks your premium and death benefit for 15 years. It is the right fit for buyers who need coverage for a fixed obligation that ends in roughly 15 years (a 15-year mortgage, the remaining years a young child is at home) and who want the lowest possible monthly cost. Premiums typically run 20 to 40 percent below a comparable 20-year term policy.
40 Year Term Life Insurance: Rates and Best Carriers
40-year term life insurance is the longest level-term policy available in the United States and locks your premium and death benefit for a full 40 years. It is only offered by a handful of A-rated carriers (Banner Life, Pacific Life, and Protective) and the maximum issue age is typically 45. 40-year term is the right choice for buyers in their 20s or early 30s who want the absolute longest rate lock available without committing to permanent insurance, or for buyers who want term coverage that reaches into traditional retirement age.
Convertible Term Life Insurance: How Conversion Works
Convertible term life insurance is a term policy that includes a conversion option allowing the policyholder to exchange the term policy for a permanent (whole or universal life) policy without a new medical exam. The conversion preserves the original health class even if the policyholder has developed a serious health condition since the original issue. This makes the conversion option one of the most valuable provisions in any term policy and is a deciding factor when comparing carriers.
30 Year Term Life Insurance: Best Rates and Carriers
30-year term life insurance is the longest standard level-term length offered in the United States and locks your premium for a full 30 years. It is the right choice for young parents, homeowners with a 30-year mortgage, and any buyer who wants the longest available rate-lock without committing to permanent insurance. A healthy 30-year-old non-smoker can typically buy $500,000 of 30-year term for roughly $24 to $32 a month with a top-rated carrier.
Can You Borrow From a Life Insurance Policy? How Policy Loans Work
Permanent life insurance policies (whole life, universal life, indexed universal life, variable universal life) build cash value over time and most carriers let policyholders borrow against up to 90 percent of that accumulated cash value at the policys loan rate. Term life insurance has no cash value and cannot be borrowed against. This guide walks through how policy loans work, the loan rate (typically 4 to 8 percent), tax treatment, the 90 percent cap, and the most common policy-loan trap - what happens when the loan balance plus interest exceeds the cash value and the policy lapses.
Medicare Guide
Medicare is federal health insurance for U.S. adults age 65+ and certain qualifying disabled individuals. Original Medicare has four parts: Part A (hospital), Part B (outpatient), Part C (Medicare Advantage), and Part D (prescription drugs). Medigap supplements (Plans A through N) fill coverage gaps in Parts A and B.
How to Read Your Life Insurance Policy (in Plain English)
A life insurance policy is a 30 to 60 page legal contract that most policyholders never actually read. This guide walks through every section in plain English so you know exactly what you bought, what your beneficiary will receive, what could void the policy, and what options you have for converting, borrowing against, or changing the policy down the road.
Health Insurance Guide
Health insurance is a contract that pays a portion of your medical care, prescription drugs, and preventive services in exchange for monthly premiums. Most Americans get coverage through employers, the federal health insurance marketplace (Healthcare.gov), Medicaid, Medicare, or directly from carriers.
Disability Insurance Guide
Disability insurance replaces a portion of your income (typically 50 to 70 percent) if you cannot work due to a covered illness or injury. According to the Social Security Administration, about 1 in 4 workers will experience a disabling event before retirement age. Without coverage, the financial consequences are often catastrophic.
Life Insurance Statistics (2023) - United States Industry Facts and Figures
Factors such as generation, household income, and race/ethnicity play a role in how consumers perceive life insurance. Let’s take a look at some life insurance stats and facts. They help to tell the story of life insurance and how various consumers perceive, research, and purchase it.
What Is General Liability Insurance for Small Businesses?
As a small business owner, you need insurance to protect your business against unexpected things that might happen at your location.
Can You Use Life Insurance While Alive?
Although life insurance is designed to provide for loved ones upon the death of the insured person, there are some benefits to life insurance the policyholder can take advantage of while still alive. Find out more below.
Do You Need Business Insurance as an LLC?
Business insurance, also known as commercial insurance, is a broad category of insurance products that offer protection in the event of a covered loss.
Does Business Insurance Cover Theft?
If you're looking to protect your business from the unfortunate but real risk of theft or fraud, you need to look beyond typical business owners and general liability policies.
Is Long-Term Disability Insurance Worth It?
Long-term disability insurance can provide a financial cushion in case an illness or injury keeps you out of work for an extended time. However, there are a few things to keep in mind before deciding on a long-term disability insurance policy.
What Is Hazard Insurance for Businesses?
From floods to fires and everything in between, you need financial protection in the event of a disaster or other unforeseen circumstance.
Is Employer's Liability Insurance the Same as Workers' Compensation?
According to research conducted by the United States Small Business Association, between 36% and 53% of small businesses are involved in litigation at any given time, that's around 30,000 businesses per year.
How Is Workers' Compensation Calculated?
Why and when you need it. What to consider when choosing a package.
What Is Supplemental Life Insurance?
Purchasing life insurance is an effective way to protect your family from financial distress when you pass away. However, the wide range of options available makes choosing the right policy confusing.
Is Business Insurance Tax Deductible?
Business insurance is generally tax deductible.
Is Workers' Compensation Insurance Taxable?
Workers’ compensation insurance is essential to help people who get injured or become ill due to their job.
How Much Is Commercial Auto Insurance?
For anyone working with a company that provides vehicles for work purposes, commercial auto insurance is non-negotiable.
What Is Business Overhead Expense (BOE) Insurance?
If you own a business, you likely pay overhead each month to keep it running. Overhead expenses include items such as rent, taxes, utilities, equipment maintenance, and employee salaries.
Workers' Compensation Insurance Guide
Workers' compensation is an employer-funded insurance program that provides benefits to employees with work-related injuries or health conditions.
Understanding Comprehensive Insurance
Comprehensive insurance covers most of the bad things that can happen to your vehicle, except for traffic collisions. If your paint job gets damaged by hail, your car is vandalized, or a bear breaks in and destroys the interior, it's your comprehensive insurance that will pay for the damages.
What Is a Guaranteed Renewable Disability Insurance Policy?
A disability insurance policy can give you the peace of mind of knowing you'll continue to receive a paycheck if you become disabled and cannot work for a long period of time.
Can You Get Disability Insurance If You Are Self-Employed?
Self-employment is an exciting way to earn a living as it allows you to be your own boss and build your own business. However, self-employment can also be risky. You're responsible for obtaining your insurance, paying your taxes, and saving for retirement on your own.
What Is Business Personal Property Insurance?
Business personal property insurance protects businesses against losses caused by theft, fire, vandalism, and other events that result in damaged goods.
Best Car Insurance for 16-Year-Olds
Becoming a licensed driver is exciting, but it also comes with expenses. One of the biggest expenses for 16-year-old drivers or their families is car insurance.
What Is Professional Liability Insurance?
Most businesses have general liability insurance that protects your company (or the one you work for) from claims against bodily injury or property damage caused by the products or services provided. General liability also covers harm arising from daily operations.
What Is Group Disability Insurance?
Any time you're unable to work for an extended period due to a health condition, it's called a disability.
Does Auto Insurance Follow Car or Driver?
Your marital status can impact what you pay for auto insurance. Car insurance companies consider married drivers to be more financially stable and more risk-averse than unmarried drivers. Both of these factors signal less risk to the insurance company, which translates to lower premiums for the driver.
Life Insurance for Young Adults
Life insurance is an essential financial investment that, unfortunately, many people do not think about until after they need it.
Adjustable Life Insurance Explained
Adjustable life insurance policies offer more ways to grow your death benefit amount while remaining flexible enough to help with unexpected expenses that may occur while paying into the policy.
Medicare vs. Medicaid: What Is the Difference?
Medicare is a federally funded program that provides healthcare coverage for people over 65 and those who have severe disabilities. Medicaid is a federal and state program intended to provide healthcare for low-income individuals and families.
Medicare Eligibility: When Am I Eligible For Medicare?
Individuals are eligible for Medicare when they reach the age of 65, are diagnosed with a severe medical condition, and/or receive Social Security benefits.
Exactly How To Get Insurance With a Suspended License
Can you get insurance with a suspended license? This guide offers tips on getting the best car insurance possible even with a restricted license.