Is Guardian Life Insurance Company Good for Life Insurance?
Life Ant
by Thomas Rockford
2y ago
For consumers who find comfort in working with some of the biggest names in the market, The Guardian Life Insurance Company of America will be an appealing pick. It’s hard to find a company in this space with a longer history, as its roots can be traced to the mid-1800s. Today, the company is headquartered… The post Is Guardian Life Insurance Company Good for Life Insurance? appeared first on Life Ant ..read more
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What Is a Substandard Life Insurance Risk Class?
Life Ant
by Thomas Rockford
2y ago
Insurance companies have to weigh a lot of factors when they are underwriting insurance policies. They must analyze all the factors of a particular case to determine the ultimate risk they are taking on by issuing the policy, which, in turn, determines the premiums for policyholders. To make this process easier and more objective, insurance… The post What Is a Substandard Life Insurance Risk Class? appeared first on Life Ant ..read more
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What Is a Payor Benefit Rider?
Life Ant
by Thomas Rockford
2y ago
Parents often take out life insurance policies on their minor children. But what happens if the parent in this case dies or becomes disabled while the child is still a minor? In some cases, a provision known as a payor benefit rider will ensure that the juvenile doesn’t have to continue paying the premiums on… The post What Is a Payor Benefit Rider? appeared first on Life Ant ..read more
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How Does Life Insurance Use the Law of Large Numbers
Life Ant
by Thomas Rockford
2y ago
The law of large numbers is a statistical principle that stipulates that if you have a large enough group that you are predicting an outcome for, you are almost certain of experiencing the expected result. The fact that this law holds true is critical to the foundation of life insurance. This makes life insurance affordable… The post How Does Life Insurance Use the Law of Large Numbers appeared first on Life Ant ..read more
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Farmers Insurance Group Life Insurance Review
Life Ant
by Thomas Rockford
2y ago
Farmers Insurance Group is a major national insurance group in the United States. They are known for offering life insurance, car insurance, and home insurance and have operations in all 50 states. With so many different choices when it comes to life insurance, it can be difficult to determine which one is right for you.… The post Farmers Insurance Group Life Insurance Review appeared first on Life Ant ..read more
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Colonial Penn Life Insurance Review
Life Ant
by Thomas Rockford
2y ago
Colonial Penn is a life insurance company based in Philadelphia, Pennsylvania. They were founded in 1968 and have a variety of life insurance options available. They are known for catering to customers over the age of 50. However, they do offer life insurance coverage for younger adults as well. Colonial Penn Life Insurance has been… The post Colonial Penn Life Insurance Review appeared first on Life Ant ..read more
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Colonial Life & Accident Insurance Company
Life Ant
by Thomas Rockford
2y ago
The Colonial Life & Accident Insurance Company is based in South Carolina and has been in business since 1939. They specialize in life insurance but also offer other types of insurance, such as accident and disability insurance. Right now, they offer policies in 49 states. This company was originally founded as an accident insurance company… The post Colonial Life & Accident Insurance Company appeared first on Life Ant ..read more
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What Is Life Insurance?
Life Ant
by Thomas Rockford
2y ago
Life insurance is a way to transfer the financial risk of someone passing away from the beneficiaries and heirs to the life insurance company. Life insurance is an insurance policy that pays a stated death benefit when the insured person dies. Life insurance is used to protect against the financial risk of dying in a… The post What Is Life Insurance? appeared first on Life Ant ..read more
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Modified Premium Whole Life Insurance Explained
Life Ant
by Thomas Rockford
2y ago
Modified premium whole life insurance is very similar to basic traditional whole life insurance. The difference between the two products lies in the premium structure of the contracts. In a traditional whole life insurance policy, premium payments are flat throughout the life of a policy. With a modified premium whole life insurance contract, the amount… The post Modified Premium Whole Life Insurance Explained appeared first on Life Ant ..read more
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How To Use Life Insurance As An Investment
Life Ant
by Thomas Rockford
2y ago
Many people know that life insurance can provide protection from the financial risk of early death. Fewer people realize that life insurance can simultaneously be an excellent investment. A life insurance policy can accrue a very large cash value and can actually earn money. Life insurance will usually outperform the risk-free rate and has tax… The post How To Use Life Insurance As An Investment appeared first on Life Ant ..read more
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