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life insurance facts

We put together the following life insurance statistics and facts to help our readers get a better grasp of just how big the life insurance marketplace is, and to get a better understanding of why choosing a highly rated life insurance company is important when deciding on what carrier to buy life insurance with. Life […] Read more

What is the cash value of a life insurance policy?

Whether you already have life insurance or you’re thinking about obtaining a whole or universal life policy, cash value is likely to impact your financial planning. Indeed, if you want to fully appreciate the utility of life insurance as a financial planning tool, you need a good understanding of how cash value works and how […] Read more

life insurance with living benefits

The conventional way to conceive of life insurance is as a financial failsafe protecting loved ones in the event of untimely death. In this model, life insurance is a contingent asset—a hedge against a major risk—and its principle purpose is income replacement. If your family depends on your earning capacity and tragedy strikes, you want […] 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 charts below. We have whole life insurance charts that give examples of whole life insurance quotes by age below. But these charts only tell half the story. The true cost of […] Read more

automated underwriting with big data and AI

The life insurance industry has been mostly stable over the last century or so, as current life insurance statistics show. Nevertheless (and despite Yogi Berra’s admonition to “never make predictions, especially about the future”), change appears to be gathering on the life insurance industry’s horizon. Indeed, Top-Gun management consultant firm McKinsey & Company recently released […] Read more

Recently, the DOW plunged again in the wake of an oil war and concerns about COVID-19.  This did more than raise a few eyebrows in the financial community and had the rest of the masses furiously racing back to monitor their portfolios. These incidents which tend to occur every few years are a reminder of […] Read more

best universal life insurance policy

When narrowing down the best universal life insurance companies into a top 10 list, it is important to focus on five key areas. Financial Strength Flexibility Policy Options Customer Service Non-Captive Company Financial Strength When it comes to rating life insurance companies for financial strength, there several options to choose from, including A.M. Best, Fitch […] Read more

top 10 life insurance companies

As a rule, we at I&E strive to provide the most accurate and objective insight on the web for all things related to life insurance and estate planning. A good starting point for this lofty goal is to decide who exactly are the best life insurance companies in the USA. This article will attempt to […] Read more

best whole life insurance companies

At I&E, we know whole life insurance. And the thing is, not all whole life policies are the same. Just because you choose a top whole life insurance company does not mean you are getting the best whole life insurance. That is because the best whole life insurance policy is the one that is tailored […] Read more

pros and cons of whole life insurance

Whole life insurance, specifically dividend paying whole life insurance, offered through a mutual insurance company, is a great tool for building a solid financial foundation. You see, whole life insurance has very unique qualities that set it apart as a excellent vehicle for escaping the rat race and helping you on your way to financial […] Read more