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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

Here at I&E, we ask the question, “What if you use can cash value life insurance for something more powerful than only death insurance?” What if you could fund a permanent cash value life insurance policy that would further multiple financial and risk management goals, such as building a retirement plan, covering disability insurance, providing […] Read more

The following article covers the pros and cons of whole life insurance. Section one covers the different benefits of whole life. Section two covers the disadvantages of whole life. Since this article is so encompassing, we broke it down into a table of contents for easier navigation. Whole life insurance pros and cons snapshot: Whole […] 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

The life insurance industry is going through a seismic shift. The traditional way of doing business is being upended in light of new innovation and technology. Information is more readily accessible than at any other time in history. As a result, a few brave pathfinders are breaking away from the mold and creating new opportunities […] 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 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 will compare and contrast IUL insurance vs VUL insurance, highlighting the key similarities and differences between these different life insurance policies. Our goal is to help you discover what the best life insurance is for you, based on how your unique goals and objectives align with each of these insurance […] Read more

Borrowing From Your Life Insurance Policy’s Cash Value One of the benefits of cash value life insurance such as whole life and universal life is the ability to take out a life insurance loan against the cash value in your life insurance policy. This has been termed “borrowing from yourself,” and while the interest you […] Read more

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