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Life Insurance

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

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

Premium Financing

In many ways, financial planning is the art of balancing competing interests. When investing, you balance the need to control risk against the potential for greater upside. In retirement planning, you harmonize the promise of a comfortable, worry-free retirement with the hope of handing down a substantial legacy to the next generation. And, when making […] Read more

Spoiler alert: Yes, life insurance is an asset. In fact, life insurance can be an uncorrelated asset, particularly participating whole life insurance, providing a fantastic hedge against market risk. However, before we get too far ahead of ourselves, it is important that we first define what an asset is and then see how life insurance […] Read more

The following article is specifically about life insurance for women. According to LIMRA, life insurance ownership for women is at 56%, about 10% below the ownership for men. Further, total death benefit coverage falls short with women as well, as life insurance policies for women have 22% lower death benefits than men. To put this […] 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.  But, is it going to be the “right” insurance company for you? That’s the real question! And one that we hope you’ll be better able to answer for yourself after reading I&E’s […] Read more

Like most financial topics, premium financing life insurance lends itself to a variety of opinions, perhaps resulting from salesmanship or misinformation. After all, huge life insurance deals may depend upon whether folks think this is a good or terrible idea. If you’ve heard anything about this topic by the time you’ve arrived on this page, […] Read more

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

In the following article we shed some light on the differences between stock companies vs mutual insurance companies. The best life insurance company partly depend on the type of life insurance policy you are considering. You see, when selecting a life insurance policy, many people focus on evaluating costs and the availability of various riders, […] 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 right plan for you from among the best long-term care insurance companies. We will also address the common objections we get regarding […] Read more