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…

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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…

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AD&D vs. Life Insurance – Differences & How to Pick

People often call in asking about choosing between accidental death and dismemberment insurance and life insurance. The significantly lower cost of an AD&D policy vs. life insurance causes confusion, particularly for younger people and new parents, which offers more value for the money.  In this article, we’re going to cover what both policy types pay…

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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 they do not require…

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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…

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Whole Life Insurance Definitive Guide for 2023

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)…

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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…

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

Life insurance isn’t a replacement for more traditional retirement plans, but there are some strategic advantages. Supplementing a 401(k) with cash value life insurance can enhance your retirement savings with tax-free distributions, no stock market risk, and more flexibility. We’ll be comparing specifically indexed universal life policies (the type of insurance typically used for wealth building)…

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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…

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Indexed Universal Life – Pros and Cons

Indexed Universal Life Insurance or IUL is a hotly debated topic in the financial world. Most advisors have a strong bias for or against IUL. If you google IUL, you will find opinions leaning one way or the other. Unfortunately, for the consumer, many of these articles are misleading or just outright false. In order…

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