Carrying You Along The Way
In 2017, MetLife, one of the biggest providers of Life Insurance in the United States, established Brighthouse Financial. The purpose of MetLife establishing Brigthouse Financial was so that the insurance provider could focus solely on selling life insurance, as well as annuities, to individuals. MetLife still continues to exist, but Read More » Many companies provide life insurance as a benefit. If you work at such a company and are considering leaving, there are a lot of important factors that needed to be sorted out before you do. One of those factors is what you should do with the life insurance coverage that Read More » When it comes to life insurance plans, there are so many different options to choose from. Different policies offer different advantages and different coverages. Two of the most common types of life insurance policies include term life (only effective for a predetermine period of time) and permanent life (insurance coverage Read More » The goal of life insurance is to provide survivors with financial protection in the event that the person who is insured by the policy passes away. Upon the insured’s death, the policy will pay out a death benefit to the beneficiaries that are listed on the policy. Typically, people purchase Read More » Life insurance is one of the best investments you can make. Not only does it provide your loved ones with financial stability when you pass away, but if you own a business, it can also protect your company. If you’re a business owner, you might be wondering if your life Read More » If you have a family, it’s likely that you invested in life insurance as a way to provide your loved ones with financial security in the event that you pass away. However, you may be wondering if, when you do pass away, the proceeds from your life insurance policy will Read More » Shopping for life insurance can be stressful. However, there’s one thing life insurance shoppers agree on: buying life insurance takes an enormous load off your back. The moment you pay your first premium on a good life insurance policy, you can rest assured that your loved ones will stay safe Read More » You might be too concerned with saving money. You might want to even stop saving. That isn't the traditional advice from a financial advisor. But in 2018 the rules are a little different. With the price of housing near cities in the United States, and the rate at which it Read More » If you are buying a home, you know how expensive it can be. The median home price is about $200,000 in 2017 and rising quickly. In some markets you will be hard pressed to find a home for less than $500,000. A standard mortgage requires a 20% down payment. In Read More » Black Americans face many negative stereotypes and disadvantages over their white counterparts. One difficulty Americans of all cultures face is saving for retirement. There has been a lot of press and studies done that conclude that black Americans have less money saved for retirement that white Americans. The undertone is Read More » The life insurance industry is finally modernizing. After years of the old style model of an agent cold calling people, getting meetings, and trying to sell a policy the client didn't understand, things are finally starting to change. It is easier than ever to buy a policy online, and the Read More » You can get life insurance if you have cancer. We help our clients obtain valuable policies every day when they have cancer or any number of other serious diseases. The caveat is that the process is a bit more involved than the standard way. It will take a little more Read More » Here is a secret most life insurance companies don't want you to know. You shouldn't buy whole life insurance. Why are we telling you this? It sounds like a strange thing for a life insurance company to say. But at Life Ant, we are more concerned about giving our clients Read More » If you are looking for life insurance, you might be wondering how much it costs. You may even have already received a quote, but you don't know if its a good price or not. If you have an older policy, you may wonder if prices have gone down or up Read More » Fixed annuities became very common investments when interest rates were really high. They also enjoyed bumps during the market turmoil after the ".com" bubble burst in 2001, and the subprime mortgage crisis in 2008. The reason they became popular during times of high interest rates was because people were locking Read More » Applying for life insurance does not need to be a complicated process. We always help our clients at Life Ant through the entire application, from finding the right policy to applying to managing your policy. The life insurance application can appear daunting. It involves many pages of questions involving your Read More » Here is a common scenario. A wife and husband both have retirement accounts through work. They probably contributed to them for different amounts of time, and one may be quite a bit larger than the other or they may roughly be the same size. Now in their mid 30s, they Read More » Many companies offer life insurance as a benefit to working for them, much like medical insurance or disability coverage. Your employer may offer it for free, or you may pay a small amount from each pay check, usually just a couple of dollars. The question is, is this free or Read More » Guaranteed issue life insurance is a form of "no medical exam life insurance". Just like it sounds from the name, a life insurance company can not deny a policy if someone applies for a guaranteed issue policy. While this sounds great, there are some very important catches to this type Read More » A financial advisor may propose a single premium life insurance policy instead of a policy that requires annual premiums, typically to high end clients. A single premium life policy also known as (SPL) is a pretty straightforward life insurance concept, but this type of policy has some nuances that are Read More » Most term life insurance policies are what are known as a "level term policy" type. A level term life insurance policy is one that is not permanent, but the death benefit and the premium rate stay the same for the specified term of the policy. A level term policy may Read More » First of all don't worry. Insurance companies are required to pay death claims even if the beneficiary can't find the policy of the insured person. Just because you can't find a policy doesn't mean that the contract isn't still enforceable in it's original form. You don't need to buy a Read More » There is a lot of misinformation and half truths out there when it comes to comparing whole life against term life insurance. We want to set the record straight. There are benefits and downsides to both kinds of life insurance and the "best" kind for you could be either type, Read More » There are many reasons why someone might want to avoid taking a paramedical exam, which is also more commonly known as a life insurance medical exam or a paramed. Some are not sinister, it may make you nervous to have someone examine you for instance. Some people may want to Read More » You may be like many people that you know and you probably want to avoid the "life insurance conversation". You probably want to avoid thinking about death, and you probably think that you have plenty of time to build enough assets for your family to survive with or without you. Read More » It sounds like a gimmick right? Why would you need to buy life insurance for a baby? The baby doesn't have any kids or husband or wife. The baby doesn't own a business. It can sound ludicrous. The truth is there actually are a couple good reasons to buy life Read More » Though you may not participate in marathons, you definitely enjoy running. It helps you stay focused, clears your mind, keeps your weight in check and offers a whole host of other health benefits. Because you are in such good physical health, you wonder to yourself, “Could I actually save money Read More » When applying for life insurance, there are several factors that you life insurance provider will take into consideration when determining the premiums you will pay, or if you will be approved at all. You may be worried that a life insurance company will deny you if you are an alcoholic, Read More » We recommend that people buy life insurance as early in life as possible. Life events such as marriage, having children, or owning a business can play a big role in determining when you really need insurance. Generally speaking though, the earlier you purchase life insurance the less money you'll pay. Read More » One of the things that people come across when they are researching life insurance is the life insurance trust. Although the life insurance trust is fairly simple it can confuse a lot of people because when a life insurance trust is set up it can have a number of repercussions Read More » Gathering every revealing bank statement and financial document to your name, sitting down at a table with a guy in a suit, smiling politely while he talks about stuff you don't understand and tells you how to invest your money and what insurance to buy, these are the signs that Read More » The questions of whether or not a life insurance policy covers acts of terrorism is unfortunately a necessarily one these days. The 21st century has seen more blatant terrorism than at any other time in the past and for some Americans (as well as people around the world) death as Read More » Getting a life insurance policy is important for anyone who has a family that depends on them, or who has any other financial responsibilities. Even if that’s not the case and you don’t have any dependents, life insurance can still be very useful to help cover funeral costs and to Read More » Some small business owners don’t think about small business life insurance. If you own your own business, it’s something you’ve got to take care of. Thinking ahead can preserve your legacy and ensure your business lives on. Life insurance will help ensure your family is taken care of after you’re Read More » You may have heard of universal life insurance in the past. But indexed universal life insurance may be a term that you’re not so familiar with. Although the two are similar, there are some key differences that you want to understand before you choose to go with one over the Read More » The Big Benefits Of A 25-Year Term Life Insurance Package You might have already heard of term life insurance policies with a 20 or 30-year term, but have you heard of a 25-year term life insurance package? Most insurance providers offer life insurance plans with terms of 10, 20, or Read More » Life Insurance Is A Complicated Product Life insurance can be extremely confusing. Naturally, a lot of myths surround it. Even term life insurance policies have several elements that must be carefully considered before you can arrive at the right type and amount of coverage. Determining how much coverage you need Read More » Wouldn't it be great if there was a product that you could invest your money into and it could grow your money tax deferred, provide you with tax free income, and either negate or offset estate taxes? There is a product out there, but most people don't know how it Read More » Over the past month, Life Ant commissioned a survey to find out if people were aware of the distinct tax benefits of life insurance. We didn't expect to find the vast majority of people to be aware of life insurance taxation, but what we found was a little surprising. As Read More » A participating life insurance policy is a policy that receives dividend payments from the life insurance company. It is called participating because it is entitled to share or "participate" in the surplus earnings of the life insurance company. A nonparticipating policy does not have the right to share in surplus Read More » Life insurance agents can get paid very well for making large sales. Did you ever wonder how your life insurance agent gets paid? Are you concerned that they are making too much money from the products that you purchased? Well look no further. This is the ultimate guide to how Read More » When a life insurance application reaches the desk of a life insurance company, it is sent to the underwriter (where the risk appraisal process begins). Risk appraisal usually involves selecting insurance applicants who meet the standards of insurability and then assigning them to the suitable risk classes. This process is Read More » Women need life insurance just as much as men need life insurance. Unfortunately, women are not insured at as high of rates as men. More women are breadwinners of their families than ever. Even those who do not work often provide valuable childcare or other domestic services. If a woman Read More » Shopping around for life insurance can be time consuming and intimidating. There are so many options out there from a myriad of insurers. Just because the process is daunting, however, you should not be scared away. Good, affordable life insurance policies can be found, and often times, they are just a Read More » Most people buy life insurance to protect their loved ones from financial hardship. Business owners, on the other hand, must consider other aspects of life insurance. Being prepared in the event of your premature death will provide future financial support for those involved in your business. How Can Life Insurance Read More » A disability income rider is a very valuable add-on available to policy owners when they purchase a life insurance contract. A disability income rider provides financial protection to the owner of a life insurance contract that a disability will often incur. It does so in a couple of ways (potentially depending Read More » Variable universal life insurance and universal life insurance are two very different products. While both function similarly in terms of the flexibility of premium payments, cash value accrual account, and changes in premium payments, the difference lies in the way the cash value account earns money. While a universal life Read More » Life insurance is more useful than many people realize when it comes to saving money on taxes. This is because life insurance enjoys special tax benefits that other forms of investments do not receive. Not only is the death benefit normally paid free of any taxes to the beneficiaries, but owners Read More » Obamacare, also known as the “Affordable Care Act”, has been met with its fair share of controversy. Although the ACA helps mainly in providing affordable health insurance, its effects on life insurance coverage must also be considered. Obamacare’s requirements on individuals and employers, for example, may affect your ability to Read More » A variable universal life insurance is an interesting product. It combines many of the unique benefits of life insurance with with earnings power of an investment account. Many advisors will point to the high fees of a variable universal life insurance product and declare it a bad investment, but this Read More » 
