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Life Insurance

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

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

As a rule, we at I&E strive to provide the most accurate and objective insight on the web for all things related to life insurance and estate planning. A good starting point for this lofty goal is to decide who exactly are the best life insurance companies in the USA. This article will attempt to […] 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

At I&E, we focus on combining both the benefits of a properly designed permanent life insurance policy with a properly designed estate plan. The benefit for you is a tailored asset protection plan, that builds wealth and leaves a legacy. One such tool to accomplish this goal is through the use of a second to […] Read more