Life Insurance Archives

Life Insurance

Life insurance provides financial security for your loved ones, ensuring they are protected from unexpected financial burdens. Whether you need term life, whole life, or indexed universal life (IUL), the right policy can offer income replacement, estate planning benefits, and tax advantages.

Learn how to compare life insurance policies, understand underwriting requirements, and choose the best coverage for your needs.

➡ Explore expert insights on life insurance types, coverage options, and how to secure affordable protection.

New to Life Insurance? Read this first.

No Exam Life Insurance – The Best Companies & How To Qualify

Life insurance with no medical exam is a convenient and affordable option for coverage. If you need coverage fast or don’t like needles, this might be the perfect option for you. We represent all of the major companies and will match you with the option that best protects your family at the lowest cost. Why…

Reviewed: Great Western Insurance Guaranteed Issue Life Insurance

Great Western Insurance offers only final expense style insurance policies. Some of these are guaranteed issue life insurance policies with no medical questions or exams. One policy only asks a handful of medical questions. Great Western also offers pre-need insurance plans. We will touch on the difference between what that is and more traditional life…

Gerber Life guaranteed issue life insurance policy

Reviewed: Gerber Guaranteed Issue Life Insurance

We will examine Gerber guaranteed issue life insurance – the benefits, qualifications, and details in the fine print. Guaranteed life insurance products offer peace of mind to someone who might otherwise be uninsurable due to medical conditions, health history, and other hurdles in the application process. Companies offer this type of guaranteed acceptance policy so…

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…

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…

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)…

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…

pros and cons of indexed universal life insurance

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…