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Category:Life Insurance110
Life Insurance
110 articles found
Life InsuranceGuaranteed Universal Life Insurance (GUL)
Guaranteed Universal Life (GUL) is permanent life insurance with a fixed premium, a guaranteed death benefit, and a guarantee to age 90, 95, 100, or 121. Premiums are typically 30 to 50 percent lower than whole life of the same face amount because GUL is designed for the death benefit, not for cash-value accumulation.
Brian Greenberg•Updated Jun 2026
Life InsuranceViatical Settlement Guide and Calculator
A viatical settlement is a transaction in which a chronically or terminally ill life insurance policyholder sells their life insurance policy to a third-party investor for a lump-sum cash payout. The proceeds are typically income-tax-free under IRS Section 101(g) and can be used for medical care, debt, or any other purpose.
Brian Greenberg•Updated Jun 2026
Life InsuranceWhole Life Insurance
Whole life insurance is a permanent life insurance policy with locked-in premiums, a guaranteed death benefit, and guaranteed cash-value accumulation that lasts your entire life. Best for lifelong dependents, estate planning, business continuity, and conservative cash-value strategies.
Brian Greenberg•Updated Jun 2026
Life InsuranceLife Insurance for Overweight & Obese Applicants: 2024 Guide
When you’re overweight, life insurance may look a bit different. Learn more about life insurance for overweight people and how you can lower your rates.
Brian Greenberg•Updated May 2024
Life InsuranceCan I Retake My Life Insurance Medical Exam?
Yes, you can; however, it is up to the underwriters to approve another medical exam and be willing review the new results for a premium adjustment.
Brian Greenberg•Updated May 2023
Life InsuranceUnderwriting Your Life Insurance Application
You’re interested in buying a life insurance policy, but you’re wondering how you’re going to be “assessed” during the application process. Well, the application is really just the beginning. The life insurance company takes your application and hands it over to an underwriter...
Brian Greenberg•Updated May 2023
Life InsuranceJoin a Group That Offers Life Insurance - A Complete Guide
While group life insurance policies have been declining for the last decade, it offers various benefits you can’t find in individual life insurance policies.
Brian Greenberg•Updated Apr 2023
Life InsuranceJoin a Group That Offers Life Insurance
While group life insurance policies have been declining for the last decade, it offers various benefits you can’t find in individual life insurance policies.
Brian Greenberg•Updated Apr 2023
Life InsuranceLife Insurance Waiting Period
When considering a final expense life insurance policy, it's crucial to carefully review any waiting periods, exclusions, or limitations that may apply.
Brian Greenberg•Updated Mar 2023
Life Insurance9 Ways Life Insurance Will Not Pay Out
When purchasing a new life insurance policy, many people don’t consider that there could be a specific situation in which the policy does not payout to the beneficiary. If you need help with a life insurance provider not paying.
Brian Greenberg•Updated Mar 2023
Life InsuranceIs Primerica a Pyramid Scheme?
An in-depth review from a past Primerica agent.
Brian Greenberg•Updated Mar 2023
Life InsuranceLife Flight Ambulance Cost
A life flight ambulance will cost up to $25,000. But, there are annual life flight membership programs that will cover this cost for you.
Brian Greenberg•Updated Mar 2023
Life InsuranceBest Life Insurance For Cigar Smokers & Nicotine Users
If you smoke, you probably think that affordable life insurance is not an option. It’s true that smokers pay more for life insurance, but with some effort, you can find a policy that will fit your lifestyle and your budget.
Brian Greenberg•Updated Mar 2023
Life InsuranceCourt-Ordered Life Insurance: How To Get Quick Life Insurance For Your Divorce
When you get married, you’re not expecting that one day you will be in court talking about a divorce settlement, but nearly half of all marriages end in divorce.
Brian Greenberg•Updated Mar 2023
Life InsuranceDebunking 21 Myths about Life Insurance
Insurancy is here to debunk 21 common myths about life insurance.
Brian Greenberg•Updated Mar 2023
Life InsuranceHow a DUI Affects Your Life Insurance Rates
In addition to your health, your driving record is also considered when you apply for life insurance. Here’s how a DUI affects your life insurance rates.
Brian Greenberg•Updated Mar 2023
Life InsuranceLife Insurance For Estate Planning
One key element in estate planning is the addition of life insurance. A life insurance policy can serve several estate planning purposes at once and the trend of falling prices for life policies has made life insurance an even more attractive part of an estate planning strategy.
Brian Greenberg•Updated Mar 2023
Life InsuranceUnderstanding Graded Whole Life Insurance vs Contestability Period
Graded benefit periods are different than a contestability period in that graded benefits are a period of time at the beginning of a certain life insurance product that removes coverage for 2-3 years for a non-accidental death.
Brian Greenberg•Updated Mar 2023
Life InsuranceIs Life Insurance a Business Expense?
While business owners can technically deduct life insurance premiums as an expense, it is a bad idea.
Brian Greenberg•Updated Feb 2023
Life InsuranceSelecting Life Insurance When HIV Positive: Essential Guide
Can you get life insurance if you have HIV? Read Insurancy’s guide to getting life insurance for HIV patients and get answers to frequently asked questions.
Brian Greenberg•Updated Feb 2023
Life InsuranceSelecting Life Insurance When HIV Positive: Essential Guide
Can you get life insurance if you have HIV? Read Insurancy’s guide to getting life insurance for HIV patients and get answers to frequently asked questions.
Brian Greenberg•Updated Feb 2023
Life InsuranceDifference Between Term and Whole Life Insurance
When planning to buy life insurance, one important option you’ll be faced with is whether to buy term or whole life insurance. Compare the cost, and learn about important differences, like cash value.
Brian Greenberg•Updated Dec 2022
Life InsuranceLife Insurance Needs Calculator
Getting started with life insurance can be overwhelming. For most individuals, the question they ask themselves after whether or not they need life insurance, is how much. Most people underestimate how much life insurance they need. In addition they overestimate the cost by 200%.
Brian Greenberg•Updated Dec 2022
Life InsuranceCan 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.
Brian Greenberg•Updated Nov 2022