Last Updated on: August 27th, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian First thing, let’s define survivorship life insurance and how it can be helpful in your estate planning. Most are familiar with regular life insurance, which covers a single person. When that perso...
West Coast Life Insurance Review: Customer Ratings
Last Updated on: August 22nd, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian West Coast Life Insurance is an insurance company that specializes in offering insurance services in the western region of America. It has been in operation for over half a century and is now a one-s...
How Impact of Low Interest Rates on Life Insurance Companies
Last Updated on: August 20th, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian Long-term commitments to pay beneficiaries of a policy upon the death of the insured are made by life insurance firms. For these future payouts, insurance companies put some of the premiums they rece...
Life Insurance Cost Basis: A Smart Financial Planning
Last Updated on: August 13th, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian If you’ve ever sold an asset like stock or real estate, it’s likely that you’ve had to report your cost basis for that asset when you filed your taxes. There are many factors that contribute to...
Variable Universal Life vs Indexed Universal Life: key Insight
Last Updated on: August 7th, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian Are you considering a variable universal life (VUL) or indexed universal life (IUL) insurance policy? It’s difficult to understand the key differences between variable universal life vs indexed univ...
10 Life Insurance Alternatives: Smart Choices to Consider
Last Updated on: August 7th, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian Life insurance is there to provide a financial safety net for your loved ones should you die sooner than expected. The money can be used to pay for your funeral, the mortgage, or help with general liv...
How to Cancel Legal and General Life Insurance: Complete Guide
Last Updated on: August 1st, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian Are you considering canceling your Legal and General life insurance policy? Whether you’ve found a better deal, no longer need the coverage, or simply want to explore your options, canceling you...
National Family Assurance Reviews: Customer Insights & Rating
Get A Quote Last Updated on: August 1st, 2024 Reviewed by Joyce Espinoza Licensed Agent – @InsureGuardian Are you considering National Family Assurance for your life insurance needs? Navigating the world of life insurance can be daunting, and choosing the right provider is crucial. National Fa...
High Cholesterol Life Insurance: Find the Right way
If you’ve been diagnosed with high cholesterol, you know it impacts your health as well as your health insurance. However, insurance companies take your health issues into consideration when writing life insurance policies. Choosing the right policy and getting a good deal is important so that you...
Guaranteed Minimum Death Benefit Life Insurance
Have you ever wondered how you can ensure your loved ones are financially secure after you’re gone? However, all life insurance policies are not the same and the coverage varies in different policies. The Guaranteed Minimum Death Benefit (GMDB) in life insurance could be the best answer. But how d...