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Life Insurance

The fastest growing life insurance segment continues to be Indexed Universal Life (IUL), as more and more people and businesses are finding that it is the best life insurance available to meet their needs and goals. In the following article, we will help shed some light on which companies offer the best IULs, what are […] Read more

Update: Not much has changed for 2019. We will continue to monitor the marketplace and update our top 10 dividend paying whole life insurance companies list when necessary. The best whole life insurance is participating whole life, where the insurance company pays a dividend to participating policyholders. In fact, dividend paying whole life insurance is […] Read more

Term Vs Permanent Insurance The question whether you should purchase permanent life insurance (including whole life, universal life, variable universal life, and indexed universal life) or term life insurance has been debated for a very long time. The entire whole life vs term life debate can be very polarizing. While both sides of the debate […] Read more

We tend to think of life insurance in terms of protecting other people who rely on us financially. You might already have a policy to protect your family if anything happens to you. But, while this is a tremendously important purpose of life insurance, it is not the only purpose. In some instances, you need […] Read more

The best whole life insurance policy is going to be the one that does the job you need it to do. There are two ways to approach whole life insurance policy design. The most obvious is to solve for the death benefit. If your human life value is $1,000,000, then you require a million dollar […] Read more

Whole Life Insurance is a Bad Investment

Whole life insurance is a bad investment because whole life insurance is not an investment at all. Rather, whole life insurance is a insurance policy with a savings account and a death benefit. The following article is intended to put to rest the misleading idea that whole life insurance is a good or bad investment […] Read more

In a world where price is often “king”, it’s easy to understand why Whole Life Insurance is often viewed as a total “rip off” or even a “scam”. After all… When comparing whole life insurance vs term life, whole life can cost anywhere from 5 to 10 times more than a term life policy with […] Read more

When you have a family, you have people you can rely on and who rely on you.  It’s a beautiful reciprocal relationship, but it comes with some obligations – notably including the responsibility to support your family financially. Supporting your family financially means making sure there’s food on the table and the bills get paid, […] Read more

As the saying goes… “the only thing that is truly permanent is CHANGE” Which is why we here at I&E understand what there are a lot of reasons that an individual may want to consider “canceling” or “cashing out” his or her whole life insurance policy. “But is that always a good idea?” And if […] Read more

Penn Mutual is an excellent company and makes up the elite class of the best life insurance companies for wealth building and legacy creating. In the following Penn Mutual review we will discuss the company’s history, ratings, products and benefits. Is Penn Mutual the right company for you? Let’s take a look. Review of Penn Mutual […] Read more