A life insurance retirement plan (LIRP) is a strategy that uses permanent life insurance to grow cash value tax-deferred and access it tax-free in retirement. It can work well for high-income earners who’ve maxed out other retirement accounts—but only if the policy is structured correctly to avoid losing tax benefits.
Looking for AARP life insurance? We review the rates, coverage, pros and cons, and explain why many healthy seniors can find better—and cheaper—alternatives.
Most life insurance benefits are tax-free—but some ownership setups, dividends, and estate planning mistakes can trigger taxes. Here’s what to watch for.
If your credit union recommended TruStage Life Insurance, read this first. Their “simple” coverage may cost more and deliver less than other top insurers.
Jackson National no longer sells life insurance, but their annuity lineup is one of the strongest in the industry. This review breaks down your options in 2025.
Final expense insurance sounds reassuring, but are level, graded, and guaranteed issue policies really worth the price? Here’s why you might want to reconsider.
Kidney disease doesn’t automatically disqualify you from life insurance. Learn what insurers look for, how kidney function tests influence your policy, and effective strategies to qualify for affordable coverage.
Do you have mitral valve prolapse, mitral regurgitation, or stenosis? Learn how high-risk mitral valve conditions affect your life insurance rates—and how to improve your
If you’ve been diagnosed with cardiomyopathy, life insurance is still within reach. This guide breaks down what insurers look for and how to qualify.
If you’ve had a pacemaker implanted, getting life insurance might feel complicated. The truth? Many people qualify — even with heart conditions. This guide explains how insurance companies evaluate pacemakers, what questions you’ll need to answer, and how to get the best possible offer.
Learn how heart conditions impact life insurance eligibility and rates. Discover your options and confidently secure the coverage you deserve.
A heart block doesn’t have to limit your life insurance options. Discover how AV and bundle branch blocks are viewed by insurers—and how to secure quality coverage.
Did you know that life insurance policies with living benefits can pay you before you die? These policies allow you to access the face amount
Worried about getting life insurance after a cancer diagnosis? You’re not alone, but the good news is, it’s often possible. This guide explains how to
Does Progressive sell term life insurance? Yes—but only in 15 states. Our 2025 review breaks down their term life options, rates, and how they compare to better-priced alternatives like Protective Life and Banner Life. Before you buy, see if Progressive is really worth it!
Japanese life insurers like Dai-ichi, Sumitomo, and Nippon Life are acquiring U.S. life insurance companies. Learn why this trend is accelerating—and how it could benefit American policyholders through financial stability, new products, and increased competition.
Lakewood Ranch Life Insurance is available for residents whether you have perfect health or a medical concern. Let us help you today!
Looking for life insurance after a stroke? Learn how stroke type, timing, and lifestyle impact approvals. Discover the best insurers and tips to secure affordable coverage.
Life Insurance 101: This guide covers everything you need to know about life insurance, from policy types and underwriting to tips for securing the best rates.
How much life insurance do you need? Our guide covers key factors to consider, from income and debts to family goals. Find the right coverage amount to protect your loved ones and ensure financial security.
Buying term life insurance? Learn how it works, compare its benefits and drawbacks, and get tips for choosing the best policy. Explore coverage options, term lengths, and customizations to protect your family’s future.
Explore the flexibility and potential cash value growth of universal life insurance. Learn how it combines life coverage with investment opportunities for long-term financial security.
Whole life insurance provides lifelong coverage and builds cash value. Learn about policies, riders, dividends, and how it compares to other life insurance options.
Learn how to choose your life insurance beneficiary, avoid mistakes, and ensure your policy benefits are passed on according to your wishes after your passing.
Life insurance riders offer customizable coverage options like accelerated benefits, accidental death, and long-term care, enhancing policies with additional protection for various life events.
Explore life insurance settlement options like lump-sum payout, fixed income, and life income options. Choose the best payout method for your beneficiary’s needs.
Compare group life insurance vs. individual life insurance, explore benefits like no medical exams, and learn the pros and cons of coverage tied to employment versus personal policies.
This guide simplifies the life insurance paramedical exam. Learn how to prepare, what to expect, and how to navigate potential issues for the best rates.
Learn about the Medical Information Bureau (MIB), its role in life insurance applications, and how it affects underwriting and reporting medical history to insurers.
Learn about collateral and absolute life insurance assignments, how they work for loans, estate planning, and transferring ownership, plus tips for a smooth process.
Explore how to qualify for a $5 million life insurance policy, costs, options like term and whole life, and the best companies for high-net-worth individuals.
Maximize your pension with life insurance options like term, universal, and whole life. Learn how pension maximization boosts retirement income and protects your spouse.
Discover life insurance options for foreign nationals in the U.S., including eligibility, coverage types, and tips for navigating requirements and underwriting challenges.
Instant life insurance offers fast, online approval without exams. Learn about coverage options, pros, cons, and how to qualify for quick protection today.
Learn how to qualify for a million-dollar life insurance policy, explore coverage options, costs, and the best companies offering high-value life insurance policies.
Table ratings don’t have to mean overpriced life insurance. Find out how to lower your rates and get the best offers for your unique health history.
Survivorship life insurance provides coverage for two individuals, paying out after both pass. It’s useful for estate planning, business succession, and lowering premiums.
Denied life insurance? Discover why applications get rejected and how to secure coverage despite health issues or other risks. Find out how to improve your chances and get the life insurance you need.
Flat extras can quietly add thousands to your life insurance costs — but you don’t have to accept them. Find out how to negotiate, re-shop, and beat flat extras today.
Heart tests don’t have to stop you from getting life insurance. Here’s how insurers evaluate your results — and how to get the best rates based on your cardiac history.
Do you need help getting life insurance for your spouse? Learn how much coverage to get, types of policies, and why it’s essential for long-term planning.
Learn how life insurance secures SBA loans, including options for collateral assignment, policy types, and tips for choosing the right coverage for business loans.
Learn how life insurance impacts divorce agreements, including ownership rights, beneficiary changes, settlement options, and underwriting to ensure proper coverage in a divorce situation.
Protect your business with key person life insurance. Learn about coverage options, including term and whole life, and ensure financial security for critical employees.
Explore how to qualify for $500K life insurance with no medical exam. Learn about fast approval, eligibility, and coverage options for term and whole life.
Explore AICPA life insurance options for accountants, including group coverage, premiums, and benefits. Learn how it compares to individual policies for better coverage and rates.
Don’t rely on GoFundMe for life insurance. Explore the importance of proper coverage, costs, and benefits of life insurance over crowdfunding for final expenses.
Marijuana users don’t have to pay high life insurance rates. Find out which insurers offer marijuana-friendly coverage and how to qualify for the best rates.
Life insurance with a GI condition? Underwriting varies for Crohn’s, ulcerative colitis, hepatitis, and liver issues. Learn how to get covered at the best rates.
Think you can’t get life insurance with diabetes? Think again. Here’s how people with Type 1, Type 2—even gestational—can get covered at fair prices.
Navigating life insurance with a mental health condition can be tricky. This guide explains the factors that affect your eligibility and how to find affordable coverage.
HIV life insurance is available—and affordable. Discover which companies approve coverage and how to get the best rates for your situation.
Yes — you can get life insurance with prostate cancer. Learn how survivors and current patients qualify, avoid denials, and find the best rates today.
Wondering how your weight affects life insurance rates? Learn how insurers use height/weight charts, BMI, and underwriting rules to determine pricing—and how to get the best deal.
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Securing life insurance after a heart attack is possible. Learn how insurers assess your health post-heart attack, what factors influence premiums, and steps to improve approval chances.
Life insurance for ulcerative colitis patients is achievable. Find out how insurers assess UC, what factors affect rates, and tips to improve your approval odds.
Discover how to secure life insurance after a melanoma diagnosis and for other skin cancers. This guide breaks down underwriting tips, stage-specific coverage, and strategies for competitive rates to protect your future.
Having high blood pressure doesn’t mean you can’t get life insurance. Learn how your blood pressure affects your rates and discover tips for getting affordable coverage.
Discover life insurance options for aortic valve conditions. Learn how health impacts rates, compare policies, and find affordable coverage tailored to your needs.
Find affordable life insurance with sleep apnea. Understand how treatment affects rates, explore coverage options, and secure the best policy for your needs.
