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Category:Life Insurance109
Basics & Definitions in Life Insurance
14 articles found
Life InsuranceBenefits of Using an Independent Life Insurance Agency
An independent life insurance agency is licensed with many carriers rather than one, which lets it compare quotes and underwriting for the same applicant across dozens of insurers. Independent agents also stay with you across policy events like beneficiary changes, conversions, and claims, and they save time and money for buyers with complicated health, occupation, or coverage needs.
Brian Greenberg•Updated Jul 2026
Life InsuranceBrian Greenberg - Million Dollar Round Table Member
Insurancy founder and CEO Brian Greenberg has been a member of the Million Dollar Round Table (MDRT) since 2013. MDRT is the premier global association for life insurance and financial services professionals, and membership is limited to about the top 1 percent of advisors worldwide.
Brian Greenberg•Updated Jul 2026
Life Insurance21 Life Insurance Myths Debunked - What Is Actually True
Life insurance is one of the most misunderstood products in personal finance. This guide takes the 21 most common myths, from "term life is a waste of money" to "I am too young to need it," and answers each one with what the industry actually does. Most families are underinsured because of one of these myths.
Brian Greenberg•Updated Jul 2026
Life InsuranceDisability Income Rider on Life Insurance - How It Works
A disability income rider adds a monthly cash benefit to your life insurance if you become totally disabled and cannot work. It is usually a fixed dollar amount (often 1 percent of the face amount per month) paid for a set period after an elimination period. It is a cheap add-on for basic income protection but is not a substitute for a full disability insurance policy.
Brian Greenberg•Updated Jul 2026
Life InsuranceIs Life Insurance Worth It? When It Is and When It Is Not
Life insurance is worth it when someone depends on your income or the work you do, including a spouse, kids, a business partner, or an aging parent. Term life is inexpensive during the years of highest need, permanent life fits a smaller set of estate, business, and legacy goals, and going without coverage leaves your family exposed to the lump-sum shock of a lost income.
Brian Greenberg•Updated Jul 2026
Life InsuranceIs Primerica a Pyramid Scheme? What to Know Before Buying
Primerica is a publicly traded life insurance company (NYSE: PRI) that sells through a multi-level marketing (MLM) sales force. It is not a pyramid scheme in the legal sense because it sells a real product, but its MLM structure means most recruits never earn meaningful income and its term life prices tend to run above independent-agent quotes for the same face amount. Comparing quotes elsewhere is smart before signing up.
Brian Greenberg•Updated Jul 2026
Life InsuranceLife Insurance Definitions - Glossary of Key Terms
Life insurance has a vocabulary all its own. This glossary defines the terms buyers meet most often: the death benefit your beneficiaries receive, the premium you pay, cash value inside permanent policies, riders that add features like accelerated death benefits, and the underwriting classes that set your price.
Brian Greenberg•Updated Jul 2026
Life InsuranceLife Insurance Policy Features and Types Explained
Policy features decide who a policy fits. Accidental policies pay only for accidents, graded and modified benefit policies phase in payouts for higher-risk buyers, no exam and rapid issue policies trade labs for speed, guaranteed issue asks no health questions, return of premium refunds your payments if you outlive the term, and living benefits let you use the policy while alive.
Brian Greenberg•Updated Jul 2026
Life InsuranceHow 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.
Brian Greenberg•Updated Jun 2026
Life InsuranceLife Insurance Investment Calculator (iROI)
The Insurancy iROI (investment Return on Insurance) calculator compares a term life insurance policy plus a separate investment account against a permanent whole or indexed universal life policy. See year-by-year breakdowns of premium, cash value, and projected returns to decide which strategy fits your goal.
Brian Greenberg•Updated Jun 2026
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 InsuranceIndependent Insurance Agent: How You Benefit
An independent agent works for you and is not tied to any insurance company.
Brian Greenberg•Updated Jul 2022
Life InsuranceInsurancy Founder Brian Greenberg Selected for Million Dollar Roundtable
Moral: Don’t bother your customers, and they’ll reward you with their business!
Brian Greenberg•Updated Jul 2022
Life InsurancePrivacy Policy
As a customer, your information is always safe with Insurancy. We use top of the line encryption and never lease or sell you personal information in order to maintain trust and confidence with our people. Read our privacy policy to learn more about how we go the extra mile to protect you.
Brian Greenberg•Updated Feb 2022