Chris Abrams, Author at Abrams Insurance Solutions

All Posts By Chris Abrams

I'm a life insurance and financial planning specialist. My goal is to help my clients build wealth and save time and money when shopping for insurance. Learn strategies to build wealth with less risk, taxes and fees. Read our client reviews to learn what it is like to work with us. My team is licensed in all 50 states and represents over 70 insurance companies. If you have been declined for coverage, have a special need or have questions; contact us. We have creative solutions for almost every situation.

AIG guaranteed issue whole life insurance review

Reviewed: AIG GIWL (Guaranteed Issue Whole Life) Insurance

We’re reviewing the Guaranteed Issue Whole Life insurance product from American General Life Insurance Company, aka AIG. We’ll cover the benefit amounts, waiting period, guaranteed issue policy type, riders, and underwriting turnaround time. For an in-depth understanding of exactly how guaranteed issue policies work, as well as their pros and cons, click here. Quick Summary…

two million dollar life insurance policy without medical exam

Can You Get a $2 Million Dollar Life Insurance Policy With No Medical Exam?

Yes. It is possible to get a $2 million life insurance policy without a medical exam, and applicants in good health may qualify through accelerated underwriting without blood work, urine samples, or a traditional paramedical exam. In fact, $2,000,000 is no longer unusually high for accelerated underwriting. Some insurers now consider qualifying applicants for several…

Supplemental Life Insurance vs. AD&D – Which is Better?

We covered a lot of ground in our main article on accidental death insurance versus life insurance. Reading that will give you the basics. Here we’ll compare supplemental life insurance vs. AD&D. These are slightly different in that we’re assuming you already have a life insurance policy. We will examine getting supplemental policies on top…

what is voluntary accidental death and dismemberment

What is Voluntary AD&D (Accidental Death & Dismemberment)?

This article covers what a voluntary AD&D policy is, how it’s different from traditional accidental death insurance, subtypes of policies, differences vs workers comp, pros & cons, and, finally, whether or not it’s a good idea. For a comprehensive article on traditional accidental death and dismemberment insurance, click here. Okay, let’s go. Quick Summary Employers…

Fastest Life Insurance Options – 3 Types

We rarely have to wait 6 to 8 weeks for anything anymore. Normally, life insurance is one of those rarities. But now, the fastest life insurance can be completed in minutes. These types of life insurance have varying benefits, amounts, and requirements. The one thing they all have in common is that they do not…

Assurity Accidental Death Insurance Plus Review

We’re reviewing Assurity Life Insurance Company’s newest accidental death policy – Accidental Death Insurance Plus. Here’s the thing we love about this. The application can be completed 100% online and you don’t need to talk to an agent (unless you want to). Sometimes it seems like the barriers to getting things done (like getting your…

Whole Life Insurance Definitive Guide for 2026

By the end of this article, you will have a strong foundation for a complete understanding of whole life insurance, including: Because it’s a broad topic, and there’s a lot to cover, there are links to expanded posts for several subcategories. If you have any questions along the way, give us a call at (858)…

assurity acci-flex accidental death review

Acci-Flex Accidental Death Review – Assurity

We’re going to cover the Acci-Flex Accidental Death Insurance policy from Assurity Life Insurance Company. In our continuing effort to keep up-to-date accidental death policy reviews, this is slowly being replaced by the new Accidental Death Insurance Plus policy, which will be able to accept applications through Assurity’s website. This policy is still available in…

Indexed Universal Life Insurance vs. Qualified Plans (401k/IRA/403b)

Life insurance isn’t a replacement for conventional retirement plans, but it does offer notable strategic benefits. By complementing a 401(k) with cash value life insurance, retirement savings can be boosted through tax-free withdrawals, protection from stock market volatility, and increased flexibility. In this article, we will compare indexed universal life policies—often utilized for tax-free wealth…

Guarantee Trust Life Review – The Heritage Plan

In this article, we’re reviewing the Heritage Plan from family-owned Guarantee Trust Life Insurance. The Heritage Plan has few qualifying restrictions, making approval a breeze. Plus, you won’t need to take a medical exam. Quick Summary Guarantee Trust Life (GTL) offers this competitive life insurance policy. While the benefits are on the lower end, there…