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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

Most of us have a sense that our lives have inherent value. I attribute this, at least in part, to the culture of life that is part of our heritage as Americans. However, how often do we consider what the value of our life is or that of others? Perhaps we assume that this is […] Read more

Perhaps the most well known of the many benefit of life insurance is the death benefit. But most people, including your run of the mill life insurance agent, have no idea the subtle nuances of the death benefit. One example is that, depending on your policy design, the death benefit for life insurance may continue […] Read more

A Captive Insurance Company (a “Captive”) is a company owned by another company (the “Parent”) or the owners of the Parent in order to finance the risks of business operations that are owned or controlled by the Parent. In other words, “finance the risks” means to provide insurance. For example, a holding company with seven […] Read more

Many people think about life insurance as strictly a death benefit. A few more savvy individuals know that this death benefit is NOT taxable to the beneficiaries. However, only the truly astute understand the tax advantages that permanent life insurance offers (as opposed to term life) not only to beneficiaries but to policy owners, providing […] Read more

You spend countless hours researching the best life insurance companies, narrowing down your select few and the right policy, only to have all your careful planning go up in smoke due to a failure to properly designate your beneficiary or failing to update your policy. The following article will address the various concerns with naming […] Read more