2025 Guide to IUL Life Insurance

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Indexed Universal Life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a cash value component tied to the performance of a stock market index, like the S&P 500. While it promises both life insurance protection and investment growth, IUL policies can be complicated, expensive, and often underperform compared […]

Can 2 People Be on the Same Life Insurance Policy?

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It makes sense why many couples ask this question. Buying coverage once certainly sounds easier than buying it twice. The short answer is yes, two people can be on the same life insurance policy. But does it generally make sense to do so? Not necessarily. Let’s get into it. What Is Joint Life Insurance? This […]

Is Life Insurance a Good Idea for Seniors?

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As we get older, many of us start thinking more seriously about our financial plans and future security. One common question is whether life insurance is still worth it in our senior years. Should we be considering it now, or is it something that should have been taken care of earlier in life? Let’s break […]

Is Mortgage Protection Insurance Worth It?

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Mortgage Protection Insurance (MPI) can offer a sense of security for homeowners and lenders, but is it necessary for everyone? Let’s delve into what MPI is, whether it’s typically required, and whether it’s worth considering for your financial plan. What Is Mortgage Protection Insurance (MPI)? Mortgage Protection Insurance—often referred to as MPI—is a type of […]

How Does AD&D Insurance Pay Out?

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Accidental Death and Dismemberment (AD&D) insurance can be a critical part of your financial safety net, especially if you’ve been denied life insurance. But how do payouts work in the event of a claim? Let’s break it down. What Is AD&D Insurance? Accidental Death and Dismemberment (AD&D) insurance is a type of supplemental insurance that […]

Do I Need Both Life Insurance and AD&D Insurance?

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When it comes to financial protection, life insurance is a crucial foundation. It provides a safety net for your loved ones in the event of your death, ensuring they have the financial resources they need to maintain their standard of living. While Accidental Death and Dismemberment (AD&D) insurance can offer additional coverage for accidental incidents, […]

Understanding Face Value vs. Cash Value in Life Insurance

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If you’ve been hunting for the perfect life insurance policy, you’ve probably come across the terms “cash value” and “face value” more than once. While they sound similar, they have very different definitions. Choosing a life insurance policy is a decision that will affect you and your family for decades to come, so you want […]

Is Life Insurance for Kids Worth It?

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More and more people these days are taking life insurance policies out on their children, even just two weeks after they’re born. This concept challenges the typical reasons someone takes out a life insurance policy. After all, life insurance is generally thought of as a way to protect your dependents should your income disappear and […]

Should You Get Life Insurance Over the Age of 60?

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Life insurance is often associated with securing financial stability for loved ones after a policyholder’s passing. But as individuals reach their 60s and 70s, the question of whether to invest in life insurance becomes more nuanced. It’s never too late to consider life insurance. At any age, it’s a way to contribute to your legacy […]

Should You Get AD&D Insurance?

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It’s never fun to talk about, but life is full of uncertainties. And while we can’t predict the future, we can certainly take steps to protect ourselves and our loved ones from the fallout of unexpected accidents. A great way to implement this protection is by considering insurance options like Accidental Death and Dismemberment (AD&D) […]

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