• How To Get A Life Insurance Quote Online

    The easiest way to buy life insurance is to buy life insurance online.  When you buy life insurance online, you are able to compare life insurance quotes before making a decision on which policy to purchase.  Comparing quotes let’s you get the best deal possible, and gives you all the information so you can make… Continue reading

  • What is Mortgage Life Insurance?

    Mortgage life insurance is a term life insurance policy meant to pay off a mortgage should one or both parties responsible for the mortgage perish.  The death benefit on mortgage life insurance will decrease over time, with the face value always being approximately equal to the payoff amount of the mortgage.  The decreasing death benefit… Continue reading

  • What is the Best Life Insurance for a Baby?

    Choosing the best company to purchase life insurance coverage from on the life of a child has much more to do with the cost of the policy.  A life insurance policy purchased on a babies’ life will likely be an asset for the child well into their adulthood, and the intent is for the policy to… Continue reading

  • When Should I Buy Life Insurance?

    The answer from most financial advisers is an emphatic “always” when someone asks them if they should buy life insurance.  While they may be a bit overenthusiastic in their sales recommendations, the truth is that there are many events in a person’s life that will create a need for life insurance. The academic definition of… Continue reading

  • What Is The Best Life Insurance For Smokers?

    Tobacco users sometimes have a difficult time finding affordable life insurance coverage.  The cost of life insurance can be more than 5 times higher for smokers than it is for nonsmokers.  The problem can be compounded when smokers are also in bad health, especially from smoking related disease such as high blood pressure or emphysema.… Continue reading

  • How To File A Life Insurance Claim

    A life insurance claim is a very easy process to go through from the perspective that they are very easy to file with the insurance company.  Though it can be a very emotional time on a personal level, modern laws and a fear of bad press means that major life insurance companies make the process… Continue reading

  • How to Improve Your Life Insurance Rating

    Going through life insurance underwriting can be a daunting prospect for some prospective clients.  You may be nervous, unsure of what to expect, and there is a lot of confusion about what the life insurance company is really doing with all your personal information.  You can take a deep breath and relax.  Life insurance underwriting… Continue reading

  • Which Agencies Regulate Life Insurance

    Life insurance is governed primarily by the State, rather than Federal laws.  The law to empower states with regard to the insurance industry was passed by congress and is known as the McCarron-Ferguson Act of 1945.  This law grants that insurance regulation is largely exempt from Federal law, and gives state governments the right to… Continue reading

  • How To Get A Life Insurance Illustration

    Obtaining a life insurance illustration is free and easy.  This is especially true for level term life insurance, which does not require anything but some basic information in order to quote a premium amount.  A full illustration for other types of life insurance (whole life, universal life, or variable universal life) can only be run… Continue reading

  • What type Of Life Insurance Pays Dividends

    Whole life insurance is the only type of life insurance that pays policy holders an annual dividend.  Term life, variable universal life, and traditional universal life insurance do not pay dividends. A dividend is a payment made by the life insurance company to owners of whole life insurance policies once a year on the policy… Continue reading

  • Does it Matter Which Life Insurance Company I Choose?

    The answer to this depends upon the type of policy you need.  Let’s be honest, most people don’t want or need to speak with their insurance companies on a regular basis.  The most important feature of a life insurance company is being financially able and willing to provide the protection guaranteed in the life insurance… Continue reading

  • Can You Get A Life Insurance Quote Without Using Your Personal Information?

    Question – How Can I Get A Life Insurance Quote Without Divulging My Personal Info? Answer: Many life insurance quote providers, including Life Ant, do not require sensitive personal information like your Social Security Number (SSN) when giving you a life insurance quote.  We feel that client privacy and security of their confidential information is… Continue reading

  • What Is The Least Expensive Form Of Life Insurance?

    If you are looking for a cheap life insurance policy, the good news is that you probably have some options.  Life insurance rates also keep coming down over time as people continue to live longer and survive diseases better, and life insurance companies are continuing to add more product offerings to their lines.  Here we… Continue reading

  • Can Life Insurance Still Be Collected After A Suicide?

    Question – Will death benefits still be paid out in the event of a suicide? Answer: Most life insurance policies contain a “suicide provision”.  In fact, state law in most states requires that all life insurance policies include a suicide provision.This provision states that if the deceased dies as the result of suicide within two… Continue reading

  • How Can You Find Out If Somebody Had A Life Insurance Policy Before They Died?

    Question – How do you know out if someone had a life insurance policy before they died? Answer: It’s very common for family members to be unaware of life insurance policies that their loved ones take out.  There are many reasons behind this, most notably embarrassment and/or discomfort in talking about death. Either way, if… Continue reading

  • How Can You Tell If Somebody Took Out A Life Insurance Policy On You?

    Question – How do you find out if someone has a life insurance policy on you? Answer: You need to sign an application of consent in order to have a life insurance policy taken out on you.  If you did not sign an application, there is no way somebody has a life insurance policy on… Continue reading