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Cash Value Life Insurance

If you’re interested in learning about the 0% tax “bucket” and other retirement saving strategies, you owe it to yourself to read Look Before You LIRP by David McKnight. LIRP stands for Life Insurance Retirement Plan, and in the book McKnight identifies what he believes to be the best type of LIRP available today. Are […] Read More

The following Best Long Term Care Insurance Companies list represents the current companies we favor. The list includes LTC providers offering pure long term care insurance, hybrid long term care insurance, including life insurance with long term care riders. In addition, we provide a list of additional LTC insurers, as well as a LTC FAQ […] Read More

In the following article we will break down the differences between a Long Term Care Rider vs Chronic Illness Rider. The differences are subtle, yet important to understand so you can formulate the best long-term care plan. We will also address the common objections we get regarding both riders, and towards long term care insurance […] Read More

State Life Insurance Company is a OneAmerica company. We previously did a review on American United Life (AUL), another OneAmerica company. However, we felt the need to do a separate review of State Life because of its focus on wealth preservation. About State Life Insurance Company The State Life Insurance Company focuses on a specific […] Read More

Principal Financial Group works with its clients to build, protect and advance each clients financial health via insurance, asset management, retirement solutions. Better known as simply “Principal”, the company is a global force and certainly ranks as one of the best life insurance companies in the world. In the following review of Principal Financial we […] Read More

Prudential Life Insurance Review

Prudential Financial, or more widely known just as “Prudential” represents the family of companies under the Prudential banner.  Prudential is a global giant and certainly one of the best life insurance companies in the U.S. In the following Prudential life insurance review we will take a look at the Company’s history, financials, ratings, products, riders […] Read More

In everyday speech, a “senior” is someone who is a senior citizen or a person over the age of 65. If you’re in this category, you’re in a favored group for us here at Insurance and Estates. The reason that we especially like you is because you’re at an age and life stage that closely […] Read More

Lincoln Financial Group (LFG) is the marketing name for Lincoln National Corporation, and its affiliates. Lincoln Financial Group’s policies are issued by The Lincoln National Life Insurance Company, and in New York, under the Lincoln Life & Annuity Company of New York. We at I&E are fans of LFG and would rank it as one […] Read More

The life insurance industry is going through a seismic shift. The traditional way of doing business is being upended in light of new innovation and technology. Information is more readily accessible than at any other time in history. As a result, a few brave pathfinders are breaking away from the mold and creating new opportunities […] Read More

Life Insurance Company Ratings

There are four ratings agencies you need to be aware of when you are evaluating different insurance companies overall financial health. Understanding the life insurance company ratings will help you make the tough decision on which one of the best life insurance companies available is going to be the right fit for you. The ability […] Read More