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Whole Life Insurance

To get to the point, if you are considering whole life insurance, definitely choose participating life insurance over non-participating life insurance. We will get into the details below, but the main point is when you buy a participating life insurance policy you are getting an ownership share of the insurance company and you get a […] 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 charts below. We have whole life insurance charts that give examples of whole life insurance quotes by age below. But these charts only tell half the story. The true cost of […] Read more

At I&E, we know whole life insurance. And the thing is, not all policies are the same. Just because you choose a top whole life insurance company does not mean you are getting the best whole life insurance. That is because the best whole life insurance policy is the one that is tailored to your […] Read more

Whole life insurance, specifically dividend paying whole life insurance, offered through a mutual insurance company, is a great tool for building a solid financial foundation. And with a solid financial foundation in place, it will free you up to make better use of your money, accumulating in a life that is outside of the typical […] Read more

In the following article we shed some light on the differences between stock companies vs mutual insurance companies. Just know that the best whole life insurance company for you will depend on the design of the life insurance policy you are considering, as well as the underwriting criteria of the carrier. You see, when selecting […] Read more

In a world where price is often “king”, it’s easy to understand why Whole Life Insurance is often viewed as a total “rip off” or even a “scam”. After all… When comparing whole life insurance vs term life, whole life can cost anywhere from 5 to 10 times more than a term life policy with […] Read more

Overfunded Life Insurance Pros and Cons

In this article, we’re going to discuss a strategy whereby someone can take advantage of overfunding their cash value whole life insurance policy for the purpose of then using this cash accumulation to accumulate and preserve wealth. During our discussion, we’ll focus on some of the pros and cons of overfunding life insurance, as well […] Read more

When it comes time to shop for a Limited Pay Whole Life Insurance Policy, what you’re generally going to find is that many of the best whole life insurance companies will offer some type of limited pay whole life insurance option which will allow you to fund a permanent cash value policy in a limited […] Read more

Unlike the majority of the articles that are about using whole life insurance in retirement, we are actually going to give you some reasons why whole life is a good choice for people who are not among the 1%. You see, whole life provides certain benefits, such as a tax favored status, that makes it […] Read more

If we had to choose one of the benefits of cash value life insurance that stands out as an excellent wealth building tool it would be life insurance loans. Having the ability to take out a tax free loan against the cash value in your policy, whenever you want, for whatever reason you need, is […] Read more