≡ Menu

Customer Reviews

Learn

Cash value life insurance has the uncommon distinction among financial products of being both predictable and versatile. With whole life, for instance, premiums, growth rates, and death benefits are all guaranteed.  This means that you can predict with a reasonable level of certainty the cost of the policy, the rate at which its cash value […] Read more

Cash Value Life Insurance Creditor Protection and Bankruptcy Protection By State Whole life policies offer numerous benefits beyond just providing liquidity in the event of an untimely death. Over time, a policy’s cash surrender value builds up, earning interest and serving as a versatile financial asset useful in retirement and estate planning. With guaranteed cash […] Read more

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

The life insurance application process has become more user-friendly over the years, particularly with the advent of automated accelerated underwriting providing life insurance without an exam. However, there are some key things you should know to ensure that the insurance underwriting process goes as smooth as possible. You see, even if you qualify for accelerated […] 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

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

Here at I&E, we’ll often get calls from folks who have just recently had a life insurance application denied.  Now there are a lot or reasons why an individual may be denied a life insurance policy.  Some folks may be denied due to some type of heath issue such as: Cancer, Heart disease, or Diabetes. […] Read more

The Importance of Life Insurance To understand why life insurance coverage is important it helps to use the visualization process: picture what would happen to your loved ones if you were not around. Who would pay the mortgage? Would there be sufficient funding to send the kids to a good school? Would there be enough […] Read more

In our experiences here at I&E, what we’ve found to usually be the case is that if someone is “inquiring” about what the Medical Information Bureau (MIB) is it’s probably because you’ve already applied for a life insurance policy and you have been told that there is something in your MIB report that is affecting […] Read more

If you’ve done a bit of research online about how to save money on life insurance, we’re sure you’ve already read several articles telling you that you can save a ton of money by: Buying life insurance while your young. Quitting smoking. Losing weight. Buying term life insurance vs whole life insurance. ETC… Which is […] Read more