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Whole Life Insurance

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

Update: Not much has changed for 2019. We will continue to monitor the marketplace and update our top 10 dividend paying whole life insurance companies list when necessary. The best whole life insurance is participating whole life, where the insurance company pays a dividend to participating policyholders. In fact, dividend paying whole life insurance is […] Read more

Typically, when folks decide to purchase a life insurance policy, what they’re looking for is a “guarantee” that when they die, their loved ones will be protected financially. This is why… Most individuals who are relatively unfamiliar with purchasing a life insurance policy will immediately tend to want to purchase a whole life insurance policy.  […] 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

The best whole life insurance policy is going to be the one that does the job you need it to do. There are two ways to approach whole life insurance policy design. The most obvious is to solve for the death benefit. If your human life value is $1,000,000, then you require a million dollar […] Read more

Whole Life Insurance is a Bad Investment

Whole life insurance is a bad investment because whole life insurance is not an investment at all. Rather, whole life insurance is a insurance policy with a savings account and a death benefit. The following article is intended to put to rest the misleading idea that whole life insurance is a good or bad investment […] 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

As the saying goes… “the only thing that is truly permanent is CHANGE” Which is why we here at I&E understand what there are a lot of reasons that an individual may want to consider “canceling” or “cashing out” his or her whole life insurance policy. “But is that always a good idea?” And if […] Read more

One of the first things most folks try to decide when purchasing a life insurance policy is… “What kind of life insurance is the best?” Which is a great question to ask, but the problem is, it’s really going to depend on “what” you would like to have your life insurance policy “do” for you […] Read more

Disadvantages of Whole Life Insurance.

Here at I&E, we spend a lot of time talking about some of the key advantages of purchasing whole life insurance policies. Particularly if… You’re young and healthy or you have enough savings to purchase a cash value whole life insurance policy with a paid up additions rider.  This is because unlike a term life […] Read more