Category Archives: Uncategorized

What exact is whole life insurance, and how do life insurance companies profit from selling it?

Alice Z asked: Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company […]

Life Insurance?

livinlife asked: My husband, 32 and I, 30 are looking into life insurance. Can anyone tell me which company or websites I can use to get information. There are so many out there… wouldnt know where to start. Who do you personally use? Is there a medical exam involved? What type of premiums are you […]

Banner Life Insurance guide to underwriting

Banner and William Penn are one of the very best term life product providers in the US today. Truly the company prides its self on being one of the best Term Life Carriers in the business, but recently brought on some good permanent products. Below you will find a pretty detailed information underwriting guide for […]