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Whole Life Insurance

Reduced Paid Up Insurance

As part of our series on what you can do if you cannot pay your whole life insurance premiums, we offer this article on reduced paid up insurance. Whole life insurance comes with two principle features that set it apart from term coverage. First… The first is that a whole life policy is guaranteed to […] Read more

A common question about starting a whole life insurance policy is “What if I cannot afford the premiums?” This line of thinking results in either you being too afraid to start a policy or starting a policy with a minimal premium payment, so you can “manage” the premium if you fall on difficult financial times. […] Read more

When planning for retirement, many financial advisors suggest investors build a diversified portfolio that can provide them both growth and peace of mind. Enter a life insurance retirment plan or LIRP. Dividend paying whole life insurance can comprise an important component of such a retirement plan, given its guaranteed cash account growth, tax advantages, and […] Read more

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

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

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

If you happen to be looking for the best life insurance companies that offer the opportunity to build wealth and create a legacy you’ll want to be familiar with the Paid Up Additions rider (PUA or PUAR). This rider, also known as an enricher rider, or additional life insurance rider.  Paid up additions are exclusive […] Read more

In the following article we shed some light on the differences between stock companies vs mutual insurance companies. The best life insurance company partly depend on the type of life insurance policy you are considering. You see, when selecting a life insurance policy, many people focus on evaluating costs and the availability of various riders, […] 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