life insurance over 80

How to Get Life Insurance For People Over 80

If you’re over 80 and you don’t have life insurance yet, now is the time to start thinking about it. Even if you are in good health, it’s important that you have coverage just in case of an accident. Life insurance will pay for funeral expenses and any other costs Read More »
chronic back pain

Life Insurance With Chronic Back Pain

Chronic back pain is an extremely common physical condition that affects people from all walks of life. There are a huge variety of things that can cause chronic back pain, which is why it is so prevalent. For some people, symptoms are very mild, while for others, they are so Read More »

How Obesity Affects Life Insurance Rates

If you’re shopping around for life insurance, you’ve probably heard that obesity and other health factors can affect your premium price. It’s true - life insurance companies do consider your health when determining the price of your life insurance, and obesity is a part of that. However, if you’re overweight Read More »

Life Insurance & Genetic Testing: Does it Affect Rates

Genetic testing has become very popular lately, with companies like 23andMe popularizing at-home DNA testing kits. Many people are choosing to get their DNA tested to learn more about their heritage, but DNA testing can also provide you with interesting information about your genetic background and what sort of diseases Read More »

Life Insurance Loans

Permanent life insurance policies with sufficient cash value normally allow for policy owners to pull money from their policy in the form of a loan.  Loans from life insurance policies can have distinct tax advantages, and they do not permanently reduce the death benefit paid to beneficiaries.  Here we discuss Read More »

Which Whole Life Dividend Option Is Best For You

Whole life insurance policies normally pay dividends.  For mutual companies, the dividend represents a partial return of company profits to the owners of the company, the policy owners.  For companies with different organizational structures the dividend is necessary to stay competitive with whole life offerings from mutual companies.  It is Read More »

Buying Your First Life Insurance Policy

Buying life insurance for the first time can feel daunting.  Not only do you need to think about your mortality, which is highly unpleasant, you also are faced with the task of choosing a complicated insurance product being sold by a lot of companies.  Sometimes, you can talk to three Read More »

How to Buy Life Insurance On A Budget

Life insurance is important - it will cover funeral expenses and support your dependents in the event of your death. Many people don’t think they need life insurance, but it’s always important to have, because you never know what’s going to happen, and you don’t want to leave your dependents Read More »

Permanent Life Insurance – A Comprehensive Guide

Permanent Life insurance is not one kind of life insurance, it is any kind of life insurance that is meant to provide coverage for someone's entire life.  This is in contrast to term life, which is only meant to provide protection for a specific length of time such as 10 Read More »

Term Insurance Rider Explained

Any insurance rider is an additional feature of a policy. A term insurance rider is an add-on to a permanent life insurance policy, most often a whole life insurance policy.  The term rider adds additional life insurance, but instead of being permanent the additional coverage expires.  For the length of Read More »
cash value life insurance

Is Cash Value Life Insurance a Good Idea? Or a Bad Idea?

While many people believe that life insurance policies only pertain to death benefits, cash value life insurance can accrue cash value over time of the policy. Cash value life insurance pertains to the process in which you can either withdraw cash or take out a loan against your life insurance Read More »
more than one beneficiary

Can Life Insurance Have More Than One Beneficiary?

There is a single major motivation behind buying life insurance: to financially protect your family in the event of your death. Of course, there are several additional side benefits, such as funding your death expenses and borrowing from the cash value element available with certain policies, but the main reason Read More »
online life insurance quote accuracy

How Accurate is an Online Life Insurance Quote?

When you begin searching for life insurance, it’s understandable to want immediate answers. And with the internet, it’s possible to obtain a life insurance quote in just a few minutes’ time. However, it’s worth wondering whether these tools are as accurate as we hope. So, just how accurate is an Read More »
fastest way to get life insurance

What Is The Fastest Way To Get Life Insurance Coverage?

If you live a super busy lifestyle and you have very limited time to spare, or you getting a life insurance policy within a certain time frame has been mandated for some reason, then you’re going to need to get a life insurance policy super fast. Even if there is Read More »
too much life insurance

How Can I Tell If I Have Too Much Life Insurance?

When it comes to life insurance, most people think that the more they have, the better. Of course, you want to ensure that your loved ones are taken care of when you pass away; but, like anything in life, too much life insurance isn’t always a good thing. In fact, Read More »
instant life insurance coverage

How To Get Instant Life Insurance Coverage

In the age of technology, we’ve all become pretty accustomed to buying whatever it is that we want or need just by tapping your finger on a screen. From clothing to accessories for your home, and even groceries or a car service, you can get virtually anything you want in Read More »

Why Buying Life Insurance Young Locks in Affordable Rates

When you’re young, say, in your 20s or early 30s, you’re in the prime of your life. You’re healthy, have few responsibilities, and have your whole life ahead of you. The last thing you’re thinking about is your mortality and life insurance. But, believe it or not, buying life insurance Read More »
brighthouse financial and metlife

Are Brighthouse Financial and MetLife the Same Thing?

In 2017, MetLife, one of the biggest providers of life insurance in the United States, established Brighthouse Financial. The purpose of MetLife establishing Brighthouse 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 »

All About Voluntary Life Insurance

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 »
ife insurance as a business expense

Can I Claim Life Insurance as a Business Expense?

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 »
Are Life Insurance Payouts Taxable?

Are Life Insurance Payouts Taxable?

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 »

Why You Should Stop Saving Money

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 »

Can you Borrow From Life Insurance to Buy a Home?

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 »

Life Insurance Companies Moving Away From the Medical Exam

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 »

Life Insurance with Cancer and How to Get it

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 »

Don’t Buy Whole Life Insurance

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 »

How Much Life Insurance Costs

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 »

If you have an Annuity do you also need Life Insurance?

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 »
How to Apply for Life Insurance Easily

How to Apply for Life Insurance Easily

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 for coverage to managing your policy. The life insurance application can appear daunting. It involves many pages of questions Read More »
Life Insurance With a 401k

Life Insurance With a 401k – Do you Need Both?

Here is a common scenario: A wife and husband both have 401k 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 »

Risks of Relying on Employer Sponsored Life Insurance

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 Explained

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 »

Single Premium Life Insurance Explained

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 important. Read More »

What to do if you Lose your Life Insurance Policy?

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 »

Whole Life Vs Term- A Comparison

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 »

Can I Avoid a Paramedical Exam When I Buy Life Insurance?

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 »
runner with life insurance

Life Insurance for Runners

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 »

Life Insurance for Alcoholics

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 »
What Age Should You Buy Life Insurance

What Age Should You Buy Life Insurance?

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 »

What Is A Life Insurance Trust?

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 »

Millennials Will Change How Life Insurance Is Bought

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 »
A man held by terrorism wondering if his life insurance will pay.

Does Life Insurance Cover Acts Of Terrorism?

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 »

Term Life Insurance For Veterans

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 »

All About Small Business Life Insurance

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 »

What Is Indexed Universal Life Insurance?

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 »