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The 2021 Truth About Colonial Penn-What to know before you buy

Founded: 1968Based: Philadelphia, PAGrades: AM BEST A-, S&P A-, Moody’s A3, Comdex score 63Where to be careful: Over-priced plans & plans that have rate increases over time. Quick Navigation LinksCompany BackgroundGuaranteed-Acceptance Whole LifeWhole LifeTerm InsuranceSample Rates Summary Company BackgroundColonial Penn was started over 50 years ago by Leonard Davis who was also a Co-founder of…
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Top 5 Reasons Why Your Life Insurance is so Cheap

You might be so lucky to have found an amazing life insurance plan that will cover all your final expenses at an exceptionally low cost. How did you do it? Maybe it was a special member discount, a promotional offer or a relative that got you signed up just at the right time. If so,…
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Diabetes & Life Insurance

Quick Navigation LinksType II DiabetesType I DiabetesPre-DiabetesSummary Diabetes is one of the most common health conditions affecting seniors as they shop for life insurance coverage. The CDC estimates that approximately 25% of all seniors are diabetic and the AMA reported that over 34 million Americans have been diagnosed across the US population. While those numbers…
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Royal Neighbors of America Review 2021

Founded: 1895 Based: Rock Island, IL Grades: AM BEST A- Where They Shine: Easy, first-day full coverage for certain health impairments. What to Watch Out For: Premiums could be lower with other providers if you’re in excellent health Quick Navigation Links Company Background Simplified Issue Whole Life Sample Rates Summary Company Background Royal Neighbors of…
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Mutual of Omaha Burial & Life Insurance Review 2021

Founded: 1909 Based: Omaha, Nebraska Grades: AM BEST A+, S& P A+, Moody’s A1, COMDEX 90 Where they shine: Non-medical whole life (burial Insurance) & Guaranteed Universal Life insurance Where to be careful: Their call-center mailers for Guaranteed-Issue Whole Life. Quick Navigation Links Company Background Living Promise Product Guaranteed-Issue Whole Life Guaranteed Universal Life Express…
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Globe Life Insurance Review 2021

Globe Life Insurance vs. An Independent Agent Globe Life Insurance is a highly popular insurance carrier for seniors that has been around since 1900. But is Globe really the best choice for you and your family’s needs? This article will give you not only the essential information on Glove Life but the bottom-line to empower…
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How to Ace your Insurance Med Exam

When a medical exam is required to approve a life insurance application it is paid for by the Life Insurance company itself. Exams might be needed depending on the company and the amount applied for. Small whole-life insurance companies or what is known as Final Expense Life Insurance does not require medical exams. At the…
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Getting Started with Life Insurance; The Why, What, How, Which & Where.

WHY are you considering Life Insurance? The Life Insurance world can be confusing and at times overwhelming. There are many choices to sort through. But before you start looking at types, rates, products or companies it is important to first ask yourself why you are considering getting life insurance in the first place. It could…
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Chronic Illness Rider vs Long-Term Care

Long-Term Care insurance helps seniors with end-of-life expenses such as time spent in a hospice care or assisted living facility. Most plan benefits are triggered when an insured needs help with at least two of the six activities of daily living or ADLs. These are; Bathing Dressing Eating Transferring Continence Toileting Or if the insured…
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