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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

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

In the following article we will address a couple common questions. First, we will answer the question “Can you have multiple life insurance policies?” Second, we will also address the question of how many life insurance policies you can have. And we promise to provide answers that are different than perhaps every other website out […] Read more

The following life insurance rates by age are for someone in their 70s in excellent health, with no other risk factors. The life insurance quotes provided are from top rated insurance companies as determined by AM Best, with an A- rating and higher. Term Life Insurance Rates in Your 70s Whole Life Insurance Rates in […] Read more