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Customer Reviews

Customer Reviews

life insurance rating scale

If you are shopping for life insurance, you may be puzzled to hear your insurance agent use the word “tables” when describing how rates are determined. While the term may not apply to you if you are in good health and don’t work in an especially high-risk field, if you are subject to risk factors […] Read more

asset based long term care

The Problem Long-term care is expensive. Whether it’s a nursing home or other assisted-living facility, or home-based services, the extended duration and continuous care result in quickly mounting costs. Private nursing homes average around $80,000 per year, and even home-based care comes in at around $40,000.(1)  These cost levels can rapidly deplete a retiree’s entire […] Read more

Reduced Paid Up Life Insurance

As part of our series on what you can do if you cannot pay your whole life insurance premiums, we offer this article on reduced paid up insurance. Whole life insurance comes with two principle features that set it apart from term coverage. First… The first is that a whole life policy is guaranteed to […] Read more

converting whole life to paid up insurance

A common question about starting a whole life insurance policy is “What if I cannot afford the premiums?” This line of thinking results in either you being too afraid to start a policy or starting a policy with a minimal premium payment, so you can “manage” the premium if you fall on difficult financial times. […] Read more

life insurance retirement plan whole life

When planning for retirement, many financial advisors suggest investors build a diversified portfolio that can provide them both growth and peace of mind. Enter a life insurance retirment plan or LIRP. Dividend paying whole life insurance can comprise an important component of such a retirement plan, given its guaranteed cash account growth, tax advantages, and […] Read more

Indexed Universal Life

About Indexed Universal Life Insurance Indexed Universal Life Insurance (“IUL”) is a distinct flavor of life insurance that continues to grow in popularity due to its flexibility and enhanced growth potential. IUL is permanent life insurance – like whole life insurance – which means that, once you purchase an IUL insurance policy, it remains in […] Read more

convertible life insurance

At I&E, we don’t believe there is a one-size-fits-all product out there that can be considered the best life insurance. In fact, we frequently recommend different insurance products based on each client’s specific needs, goals and objectives. The following article covers convertible term life insurance: what is it, who needs it and why one day […] Read more

Mutual Life Insurance Companies

Mutual insurance companies are a rare breed nowadays. Most companies that were once mutual have switched to stock insurance companies through “demutualization”. In the following article we will touch on the benefits of a mutual insurance company and provide our picks for the best mutual life insurance companies. Best Mutual Life Insurance Companies The following […] Read more

Whole life insurance as an investment

The following article tackles the question of whether or not whole life insurance is a good investment. You will find our answer to be contrarian to much of the mainstream thought regarding the purpose of whole life insurance and its utility. Whole Life Insurance as an Investment At Insurance & Estates, we help you make sound estate […] Read more

whole life insurance rates by age

We often get the question “How much does whole life insurance cost,” so we put together the following whole life insurance rates by age chart below. But before you dive into the numbers it is important that we clarify a few major points in advance on how you can get the most cost effective whole […] Read more