In the age of technology, we have a tendency to want things immediately. Luckily, life insurance companies are catching on, and are making changes to reduce their waiting time after applying for a policy. Some providers are now offering instant decisions after policy applications – including Ladder. This means you won’t have to deal with speaking with a life insurance agent or endure as much waiting time when applying. Continue reading to learn more about Ladder’s instant term life insurance offerings. Quick Article Guide: Who is Ladder? Who’s Eligible for Instant Life Insurance Online? How ..read more

  Compare rates from 50 top-rated life insurance companies in less than a minute. If you need life insurance, don’t worry, we’ve made it easy for you. Our no-fee brokerage represents more than 50 top-rated life insurance companies and our agents are experts at matching their clients with the most affordable option available. If you have a few health issues, or if you are in perfect health, we’ll save you time and money by anonymously comparing your health profile with each company’s unique underwriting guidelines to find your best fit. Life insurance is commonly purchased for mortgage p ..read more

Having a serious illness or medical condition can make it difficult to find affordable life insurance. But, contrary to popular belief, it doesn’t mean you can’t get life insurance altogether. With groundbreaking medical advances, improved survival rates, and new life insurance products catering to the ill, you should never assume that you are “uninsurable”. In fact, you might be surprised to learn that these 13 health issues don’t disqualify you from finding the life insurance coverage you need to protect your family. Quick Article Guide: High Blood Pressure/Hypertension High Cholesterol A ..read more

When we have an interest in purchasing a product or service, our first question is usually, “How much does it cost?” Buying a term life insurance policy is no different! According to a recent LIMRA study, the primary reason that most Americans don’t have life insurance is not because they don’t need it, it’s because they overestimate the cost! In this article, we’ve shed some light on the cost of term life insurance by providing sample rates by age and gender for applicants in average to excellent health. Quick Article Guide 1. What’s the Cost of Term Life Insurance? 2. Does Term Life Insuran ..read more

If you are under the age of 40, and have been diagnosed with a serious health issue, finding a life insurance policy can be challenging. Term insurance providers will turn you away and most guaranteed life insurance policies are not available until the age of 45 or later. Thankfully, if you are working at least 20 hours a week, we can help! Our agency offers up to $100,000 of almost immediate coverage to working applicants over the age of 18, with no health questions asked! Continue reading to learn more about purchasing guaranteed issue insurance before 40. Quick Article Guide: 1. What Is Gu ..read more

If you a prostate cancer survivor seeking life insurance protection, you might be concerned about high rates or even the possibility of being declined. The good news is that, depending on your specific treatment and overall health, purchasing an affordable life insurance policy to protect your loved ones might be easier than you think. We’ve helped hundreds of clients with a history of prostate cancer and we can help you too. By representing more than 50 top-rated life insurance providers, we’re able to quickly match our clients with their best option. Quick Article Guide: 1. Life Insurance ..read more

Low-interest rates can impact the economy in many ways. From encouraging consumer borrowing and investing, to increasing consumer confidence, low-interest rates can positively impact the economy. However, low-interest rates also have drawbacks. One such drawback is that some insurance companies are no longer offering guaranteed universal life insurance (GUL). So, what does this possible discontinuation of this product mean to consumers like you? Here’s what you should know about the possible end of GUL policies and some alternatives worth considering. Quick Article Guide: 1. What is Guaranteed ..read more

If the pandemic has taught us anything, it’s that we can conduct most of our daily tasks online. From work to ordering groceries, the internet gives us access to almost anything right from our couch. While it’s possible to take care of most of your daily tasks online through some website’s bot, there are tasks, such as buying life insurance, that are better handled with a human component. So, while purchasing life insurance online may seem like a breeze, there are a few things you should know about buying life insurance online instead of working with a life insurance agent or broker. Quick Ar ..read more

It seems that a LOT of agents want to push whole life insurance. But are there any downsides? Many of our clients ask us for whole life when they call, but after we explain the pros and cons of whole life insurance, they buy term life insurance or universal life instead. And since this is such an important topic, we’ve laid out the all the advantages and disadvantages to whole life insurance so you can make the best decision for your family. Quick Article Guide: What is Whole Life Insurance? Pros of Whole Life Cons of Whole Life Questions? We Can Help! Compare Whole Life Insuranc ..read more

The recent election has encouraged many wealthier families to reconsider their estate plans. With a Democratic majority in Congress and presence in the presidential seat, there could be significant changes to the country’s tax structure. In particular, we may see changes to the estate tax. In 2021, the exemption is $11,700,000 per individual and $23,400,000 for a married couple. Those tax exemptions are currently set to be reduced to $5,700,000, or less, by 2025. However, with the Democrats in office, we could see a reduction as early as 2022. So, how does this impact you? Quick Article Guide ..read more