Grant Desselle
Licensed Insurance Agent
Grant's past experience includes work as a licensed sales agent for Hagerty Insurance. He has reviewed thousands of existing auto policies across the nation and issued hundreds of new ones on everything ranging from classic cars undergoing restoration to modern exotics and motorcycles.
Articles by Grant Desselle (154)
Life Insurance Beneficiary Rules: A Complete Guide
A life insurance beneficiary designation overrides the will, which means a beneficiary form filled out 20 years ago can quietly redirect a $500,000 death benefit to an ex-spouse, a deceased family member, or even the estate (triggering probate). This guide walks through every rule that controls who gets paid: primary vs. contingent, per stirpes vs. per capita, the rules for naming minors and trusts, the community-property quirks in 9 states, and how to properly update a beneficiary after marriage, divorce, the birth of a child, or any major life change.
Car Insurance Buyers Guide
Car insurance is a contract that pays for damage to your vehicle, injury to others, and liability claims from accidents you cause. Required in 49 of 50 states (New Hampshire is the exception). The average U.S. driver pays $1,895 per year for full coverage as of 2024.
Are Life Insurance Premiums Tax Deductible?
For personal life insurance policies, premiums are not federal-tax-deductible. The exceptions are narrow but specific: business-owned life insurance used as a documented compensation tool, alimony-required policies issued under pre-2019 divorce decrees, premiums paid by a 501c3 charity that owns the policy, and group life insurance up to $50,000 per employee under IRC Section 79. This guide walks through each exception, the IRS rules that govern it, and how to structure the policy correctly so the deduction is defensible on audit.
Buy Term and Invest the Difference (BTID): The Math + When It Wins
Buy Term and Invest the Difference (BTID) is the strategy of buying inexpensive term life insurance instead of whole life and investing the monthly premium difference in a low-cost diversified portfolio (typically an S&P 500 index fund or target-date retirement fund). The math is compelling for most buyers because term costs 5 to 20 percent of whole life for the same death benefit and the difference, invested at a 6 to 8 percent average annual return, typically grows to more than the cash value of the whole life policy would have. This guide breaks down the math with realistic numbers, the four buyer profiles where BTID wins, and the three buyer profiles where whole life or IUL actually beats BTID.
Motorcycle Insurance Guide
Motorcycle insurance is a contract that covers liability, collision damage, theft, and riding gear for motorcycles, scooters, and ATVs. It is required by law in 49 of 50 U.S. states. The average rider pays around $700 per year, but rates vary widely by bike type, rider age, and state.
Is Life Insurance Taxable? Payouts, Cash Value, and More
For the vast majority of beneficiaries, life insurance death benefits are federal-income-tax-free under IRC Section 101(a) when paid as a lump sum to a named beneficiary. However, there are five specific situations where part or all of a life insurance payout becomes taxable: the transfer-for-value rule, federal estate tax inclusion, interest earned on deferred installments, Modified Endowment Contract (MEC) classification, and cash value withdrawals above the cost basis. This guide walks through each scenario with examples, the IRS code section that governs it, and the structures that avoid each tax trigger.
Corebridge Financial Life Insurance Review
Corebridge Financial is an A rated life insurance company that spun out of AIG in 2022 and IPO'd on the NYSE. It markets the legacy AIG life insurance product portfolio, including Select-a-Term, Quick Issue Term, Quality of Life Insurance with strong living benefits, and Guaranteed Issue Whole Life.
Online Life Insurance Quotes: 8 Carriers Compared
Eight top-rated U.S. life insurance carriers now offer fully online applications with instant or 1-to-3-day decisions, no medical exam for healthy applicants under set face amount caps, and the same A-rated financial strength as traditional carriers. This guide compares each of them on no-exam cap, age eligibility, decision speed, and which buyer profile gets the best rate with each carrier.
Return of Premium Life Insurance
Return of premium (ROP) life insurance is a level term policy that refunds 100 percent of premiums paid if you outlive the term. Premiums typically cost 30 to 50 percent more than standard level term, but you get a tax-free refund at the end of the term if you do not die.
Life Insurance for Babies: When It Makes Sense (and When It Doesn't)
Life insurance for a baby usually makes sense in only two narrow situations: when parents want to lock in lifetime insurability before a future health condition can develop, or when they want a small cash-value savings vehicle that the child can access at age 25 to 30. This guide compares the two product paths (a Child Rider on the parents policy, which is the cheapest option, vs. a standalone childrens whole life policy like Gerber Life Grow-Up Plan), shows realistic premiums and projected cash values, and walks through the financial trade-offs vs. a 529 plan or custodial Roth IRA.
AARP Life Insurance Review
AARP Life Insurance is not underwritten by AARP - AARP is a nonprofit advocacy organization that licenses its brand to New York Life Insurance Company. "AARP Life" products are New York Life products marketed exclusively to AARP members ages 50+. Understanding this relationship is critical when comparing coverage options.
Banner Life Insurance Review (Legal & General America)
Banner Life is the U.S. life insurance arm of Legal & General Group, a London-headquartered global insurer founded in 1836. Banner Life consistently ranks among the most competitive carriers for fully-underwritten level term life insurance, particularly on 30-year and 40-year terms. Rated A+ (Superior) by A.M. Best.
Renters Insurance Buyers Guide
Renters insurance is a contract that covers your personal belongings, liability, and additional living expenses while renting an apartment or house. It does NOT cover the building structure (that is the landlord's responsibility). The average U.S. renter pays $15 to $25 per month for $30,000 of personal property coverage with $100,000 liability.
Gerber Life Insurance Review
Gerber Life Insurance Company is an A rated U.S. life insurance company founded in 1967 as a subsidiary of the Gerber baby food company. While Gerber Life is now owned by Western & Southern Financial Group, it remains best known for the Gerber Grow-Up Plan, a children's whole life policy that automatically doubles its face amount at age 18.
Ladder Life Insurance Review
Ladder Life was a digital life insurance brokerage founded in 2017 known for its flexible "laddering" feature that let policyholders adjust coverage up or down over time. Ladder was acquired by Allstate in 2024 and no longer offers new policies under the Ladder brand. Existing in-force policies continue to be administered.
National Life Group Insurance Review
National Life Group (NLG) is an A rated mutual insurance holding company founded in 1848 and headquartered in Montpelier, Vermont and Addison, Texas. NLG is best known for its LiveWell product line and for including the deepest and broadest set of living benefit riders (chronic illness, critical illness, terminal illness) in the U.S. life insurance market.
North American Company Life Insurance Review
North American Company for Life and Health Insurance (NACOLAH) is an A+ rated life insurance carrier founded in 1886 and headquartered in West Des Moines, Iowa. As part of Sammons Financial Group, North American specializes in indexed universal life (IUL) and guaranteed universal life (GUL) products. Strong accelerated underwriting up to $1,000,000 for healthy applicants.
Assurity Life Insurance Review
Assurity Life Insurance Company is an A- rated mutual insurance company founded in 1890 and headquartered in Lincoln, Nebraska. Assurity specializes in supplemental and specialty products: return of premium term life, critical illness insurance, accidental death and dismemberment, and disability income insurance.
American National Life Insurance Review
American National Insurance Company (ANICO) is a Texas-headquartered insurer founded in 1905. After being acquired by Brookfield Reinsurance in 2022, American National exited the new life insurance market in 2023 and pivoted to property-casualty insurance and annuities only. Existing life insurance policies remain in force.
Protective Life Insurance Review
Protective Life Insurance Company is an A+ rated U.S. insurer founded in 1907 and headquartered in Birmingham, Alabama. Owned by Japan's Dai-ichi Life Holdings since 2015, Protective is one of the most competitive carriers for fully-underwritten term life (Classic Choice Term) and guaranteed universal life (Custom Choice UL).
Royal Neighbors of America Life Insurance Review
Royal Neighbors of America is a fraternal benefit society founded in 1895 in Council Bluffs, Iowa. It is one of the few major U.S. life insurance organizations founded and historically governed by women, with a focus on women-led households. Royal Neighbors offers term life, whole life, simplified-issue whole life, and guaranteed-issue whole life with included member benefits.
Foresters Financial Life Insurance Review
Foresters Financial is an A rated fraternal benefit society founded in 1874 and headquartered in Toronto, Canada. It is one of the largest fraternal life insurance providers in North America. Member benefits (orphan grant, scholarship, family health benefit) are included at no extra cost with every policy.
How to Get the Best Life Insurance Rates: 11 Proven Tips
The same 35-year-old can pay anywhere from $19 to $42 a month for the exact same $500,000 20-year term policy depending on which carrier they apply to and how the application is structured. This guide walks through the eleven adjustments that consistently move applicants into the lowest rate class and save the typical buyer $200 to $500 a year on the same death benefit.
How to Buy Life Insurance: A Step-by-Step Buyer's Guide
Buying life insurance comes down to four decisions: how much coverage you need, how long it should last, what type of policy fits your situation, and which carrier will underwrite you for the lowest rate. This guide walks through each step in plain English and shows how to avoid the mistakes that quietly cost most buyers thousands of dollars over the life of a policy.
The Life Insurance Application Process: How to Qualify
A life insurance application has three main components: a written questionnaire about your health, lifestyle, and finances; a public records check including MVR, prescription history, and MIB; and, for fully underwritten policies, a brief medical exam performed at your home or office. Understanding each step ahead of time is the difference between a 10-day approval at the best rate class and a 6-week back-and-forth at a higher rate class.
Ethos Life Insurance Review
Ethos Life is a digital life insurance brokerage founded in 2016 and headquartered in Austin, Texas. Ethos offers a 100 percent online application with instant decisions for term life coverage up to $2 million for healthy applicants ages 20-65. Ethos does not underwrite policies itself; coverage is underwritten by A+ rated Legal & General America (Banner Life) and other A-rated partner carriers.
Life Insurance With Living Benefits
Life insurance with living benefits (also called accelerated benefit riders or ABRs) lets you access a portion of the death benefit while you are still alive if you are diagnosed with a chronic, critical, or terminal illness. Most A-rated carriers now include these riders at no extra cost, and the payouts are typically income-tax-free.
Life Insurance for Overweight & Obese Applicants: 2024 Guide
When you’re overweight, life insurance may look a bit different. Learn more about life insurance for overweight people and how you can lower your rates.
Underwriting Your Life Insurance Application
You’re interested in buying a life insurance policy, but you’re wondering how you’re going to be “assessed” during the application process. Well, the application is really just the beginning. The life insurance company takes your application and hands it over to an underwriter...
Can I Retake My Life Insurance Medical Exam?
Yes, you can; however, it is up to the underwriters to approve another medical exam and be willing review the new results for a premium adjustment.
Colonial Penn Life Insurance Company Review
Colonial Penn is one of the largest advertisers of guaranteed issue life insurance. But, are they actually worth paying more for?
Sagicor Life Insurance Company Review
Sagicor is our favorite company for whole life and IUL policies without a medical exam. Their pricing is excellent, and their application can be completed online.
9 Ways Life Insurance Will Not Pay Out
When purchasing a new life insurance policy, many people don’t consider that there could be a specific situation in which the policy does not payout to the beneficiary. If you need help with a life insurance provider not paying.
Is Primerica a Pyramid Scheme?
An in-depth review from a past Primerica agent.
Life Flight Ambulance Cost
A life flight ambulance will cost up to $25,000. But, there are annual life flight membership programs that will cover this cost for you.
Understanding Graded Whole Life Insurance vs Contestability Period
Graded benefit periods are different than a contestability period in that graded benefits are a period of time at the beginning of a certain life insurance product that removes coverage for 2-3 years for a non-accidental death.
Life Insurance For Estate Planning
One key element in estate planning is the addition of life insurance. A life insurance policy can serve several estate planning purposes at once and the trend of falling prices for life policies has made life insurance an even more attractive part of an estate planning strategy.
Transamerica Life Insurance Review
We recommend Transamerica to those looking for term life coverage, or for those looking for additional options for investment through their universal life insurance plans.
Court-Ordered Life Insurance: How To Get Quick Life Insurance For Your Divorce
When you get married, you’re not expecting that one day you will be in court talking about a divorce settlement, but nearly half of all marriages end in divorce.
How a DUI Affects Your Life Insurance Rates
In addition to your health, your driving record is also considered when you apply for life insurance. Here’s how a DUI affects your life insurance rates.
Debunking 21 Myths about Life Insurance
Insurancy is here to debunk 21 common myths about life insurance.
Best Life Insurance For Cigar Smokers & Nicotine Users
If you smoke, you probably think that affordable life insurance is not an option. It’s true that smokers pay more for life insurance, but with some effort, you can find a policy that will fit your lifestyle and your budget.
Prosperity Life Insurance Review
We recommend their products to seniors looking for final expense insurance, which can ease the burden on surviving family members by providing funds for funeral expenses, unpaid medical bills, and other end-of-life obligations.
Great Western Life Insurance Company Review
Great Western Insurance Company is no longer selling new life insurance policies. The company stopped issuing new final expense policies on August 31, 2024. Existing policies remain in force. Below is our archived review for historical reference.
Corebridge Financial (AIG American General) Life Insurance Company
Offering a customizable term policy and guaranteed issue whole-life policy.
Is Life Insurance a Business Expense?
While business owners can technically deduct life insurance premiums as an expense, it is a bad idea.
Legal & General (Formally William Penn) Life Insurance Company of New York Review
Legal & General/William Penn Life Insurance was formed in 1949. They are one of the most simple and clear life insurance companies that we work with for New York residents.
Brighthouse Financial/MetLife Life Insurance Review
Few companies can match the history and reputation of MetLife Insurance. Founded in 1858, the company boasts of nearly a century and a half of excellence, providing coverage for homes, cars, and more. They also provide retirement planning and other services to help their customers plan for the future.
Selecting Life Insurance When HIV Positive: Essential Guide
Can you get life insurance if you have HIV? Read Insurancy’s guide to getting life insurance for HIV patients and get answers to frequently asked questions.
Selecting Life Insurance When HIV Positive: Essential Guide
Can you get life insurance if you have HIV? Read Insurancy’s guide to getting life insurance for HIV patients and get answers to frequently asked questions.
What Pet Insurance Does Doesn't Cover
Find The Best Policy Find The Best Policy Start If getting health insurance for your furry friend has been on your mind, it pays to know what is generally covered and what isn't.
Kemper Life Insurance Products Review
Based out of St. Louis, Kemper Life falls under the broader umbrella of the Kemper Corporation. Kemper provides a full range of auto, property, and health insurance policies, in addition to selling life insurance.
Lincoln Financial Group Life Insurance Company Review
Lincoln Financial Group has a long history based on great products, quality service, and some amazing add-ons, like financial planning, that really make it one of the best insurance companies in the field.
Principal Life Insurance Review
Principal offers some of the most competitive rates in the business. The also have a simple to use online application.
SBLI Life Insurance Products Review
SBLI offers an extensive array of products and services, and their available riders make SBLI one of the most flexible life insurance companies in the industry.
Fabric by Gerber Life Insurance Review 2023
Millennials aren’t exactly known for their eagerness to commit. That’s why it’s refreshing to find a company like Fabric that specializes in selling life
Getting Car Insurance Without a License: 3 Smart Steps
If you’re wondering, “Where can I get insurance without a license?”, you’ve come to the right place. Learn this answer to this question and more.
Difference Between Term and Whole Life Insurance
When planning to buy life insurance, one important option you’ll be faced with is whether to buy term or whole life insurance. Compare the cost, and learn about important differences, like cash value.
Life Insurance Needs Calculator
Getting started with life insurance can be overwhelming. For most individuals, the question they ask themselves after whether or not they need life insurance, is how much. Most people underestimate how much life insurance they need. In addition they overestimate the cost by 200%.
How To Find Car Insurance When Moving to a New State
Moving from one state to another involves all sorts of tasks, and making any needed changes to your car insurance should be near the top of your to-do list.
Does Personal Auto Insurance Cover a Business Vehicle?
Lines between personal and business vehicles may blur for sole proprietors and people with side hustles such as driving for food delivery or ride-sharing apps
Healthy Paws Pet Insurance Review
Find The Best Policy Find The Best Policy Start A Healthy Paws pet insurance plan covers your pet in the event of an accident, emergency, or illness, such as cancer or a genetic condition. It is available for dogs and cats under the age of 14 years with no pre-existing conditions.
What Is the Best Car Insurance With a Bad Driving Record?
A bad driving record can raise your car insurance rates. When you have accidents and moving violations, auto insurance companies consider you a higher risk, and they charge more in premiums to compensate for that risk.
Car Insurance Rates for Married VS. Single Drivers
Your marital status can impact what you pay for auto insurance. Car insurance companies consider married drivers to be more financially stable and more risk-averse than unmarried drivers. Both of these factors signal less risk to the insurance company, which translates to lower premiums for the driver.
Best Car Insurance For 22-Year-Olds
There are many reasons a 22-year-old might be in the market for car insurance. Perhaps you just graduated college and are moving to a new state for your first real-world job.
Best Car Insurance For 21-Year-Olds
Turning 21 is often seen as a milestone for adulthood, as society starts viewing you as an adult more than ever before.
Best Car Insurance For 20-Year-Olds
If you've already been driving for a while by the time you get to your 20th birthday, you probably already know that auto insurance can be expensive for young people.
Best Car Insurance For 19-Year-Olds
On average, people pay around $140 per month for car insurance. Many factors impact the cost for each individual, though, including the type of coverage purchased and what kind of car is being covered.
Best Car Insurance for 18-Year-Olds
Whether you're just getting your license or looking into the expense of moving out and living on your own after graduation, car insurance costs can be a big consideration.
Best Car Insurance for 17-Year-Olds
Insuring a teen driver can be a big expense, potentially costing thousands per year. Families with a 17-year-old driver in the home do have options for saving money, though.
Can I Get Auto Insurance On a Rebuilt Title?
Cars with rebuilt titles are appealing because of the savings buyers see over buying a similar vehicle with a clean title. However, making one street legal isn't as straightforward
Do I Need Insurance to Register a Car?
Everyone knows that across most of the country you need car insurance to drive a vehicle. But what about when you first purchase a vehicle? Do you need insurance to register it at your local department of motor vehicle office? The answer varies based on where you are.
6-Month VS. 12-Month Auto Insurance Policies
Car insurance companies offer policies with different term lengths. The two most common are 6 months and 12 months. Both types have benefits and drawbacks. Here are the answers to the most common questions about 6-month vs. 12-month auto insurance policies.
What is the Best Car Insurance For Commuters?
Commuting to and from work every day can put miles on your car quickly. For that reason, commuters often pay more for car insurance than people who only drive their cars for pleasure.
Why Do You Need Insurance for a Rental Car?
Millions of rental cars are used each year. Like nearly every other vehicle on the road, they have to be covered by an insurance policy. A thorough understanding of what rental car insurance is, why it's essential, and where you can get it is crucial before renting a vehicle.
Why Compare Auto Insurance Quotes Online?
Auto insurance is necessary for almost anyone who owns or drives a vehicle. Because it's a monthly expense, you'll want to save as much money as possible while maintaining a high level of coverage. Comparing auto insurance quotes online can help with this.
What Is the Best Insurance Policy for a Leased Car?
Leasing a car offers several benefits.
Workers Compensation Insurance For Small Business
Why and when you need it. What to consider when choosing a package.
Workers Compensation For Self Employed Contractors
Do you need workers compensation insurance if you are self employed or an independent contractor?
Dairyland Motorcycle Insurance Review
Read our comprehensive Dairyland motorcycle insurance review to help you decide whether or not this product is the best one for you.
Collateral Assignment of a Life Insurance Policy
A life insurance policy holds value aside from the obvious purpose. You can also use it as collateral to secure a loan.
Top Colorado Motorcycle Insurance: 5 Affordable Options
What are the cheapest motorcycle insurance providers in Colorado? Get free quotes and compare rates through Insurancy today.
Do Car Dealerships Offer Temporary Insurance?
One of the most important, aside from financing details, is the right insurance. If you finance a vehicle, you're required to have full-coverage insurance before leaving the lot.
Using SSA.gov for Your Social Security and Medicare Benefits
Learn about the Social Security Administration (SSA) and the SocialSecurity.gov website. We help you take control of your Medicare coverage.
Life Insurance for Cancer Patients & Survivors
There are life insurance options whether you currently are a cancer patient or survivor. You can receive approval the same day. Talk to our agents today.
SureBridge Life Insurance Review
SureBridge is a subsidiary of Health Markets. Its policies are underwritten by the Chesapeake Life Insurance Company, who have historically provided affordable life insurance policies and a diverse product line.
National Western Life Insurance Review
Founded in 1956, National Life Insurance has made surprising inroads over the last six decades. Headquartered in Austin, Texas, the company’s reach now extends to Central America, the Caribbean, South America, Europe, and Asia.
Sentinel Security Life Insurance Review
With a guaranteed issue policy and the promise of immediate coverage, Sentinel remains a solid choice for those who are seeking to cover final expenses.
5 Star Life Insurance Review
5Star Life is a relatively new company, founded in 1996 as part of the Armed Forces Benefit Association (AFBA). The AFBA has been offering life insurance to service members since 1947.
Genworth Financial Life Insurance Review 2021
While Genworth had once been a proud provider of affordable life insurance, the company has recently undergone restructuring and no longer provides life
Costco Life Insurance Review
Get Your Free Life Insurance Quote Instant Life Quote Get Quote Costco offers one insurance product through Protective Life Insurance. Protective is a reputable insurance provider and the term life policy they offer is exclusive to Costco members
Single-Premium Life Insurance
A single premium life insurance policy works the same way as a regular policy. The difference, you pay all the premiums in one lump sum payment.
Figo Pet Insurance Review
Find The Best Policy Find The Best Policy Start
Individual Disability Insurance
Find The Best Policy Find The Best Policy Start Disability policies are there to cover you in the event that you can’t work, either because of illness or injury.
Primerica Life Insurance Company Review
They are best known for relying on a multi-level marketing strategy to sell life insurance products, primarily aimed at middle-class families.
Marijuana and Life Insurance: Understanding the Changing Landscape
Getting good rates on life insurance as a marijuana smoker is largely based on the frequency you consume and the insurance company’s rules regarding it.
Benefits of using an independent life insurance agency
You have a few options when it comes to how and where to buy life insurance. Here are three reasons why buying from an independent agency can make sense.
How Life Insurance Companies Decide Your Policy Class
Learn more about how insurance companies decide your class. This class ultimately determines what price you are eligible for, from lowest to highest.
How To Find Out If Someone Has Life Insurance
Millions of dollars in life insurance death benefits sit idle, every year. Why? Because the beneficiary doesn't know they are a beneficiary, and the insurance company can't get a hold of them. Life insurance policy locator services.
Independent Insurance Agent: How You Benefit
An independent agent works for you and is not tied to any insurance company.
Life Insurance Definitions Explained
Life insurance and the related terminology can be confusing. Here we explain common life insurance definitions.
Life Insurance Policy Features Explained
When planning to buy life insurance, one important option you’ll be faced with is where and how to buy. See how you can find affordable life insurance today.
Accelerated Death Benefit Rider
An accelerated death benefit rider gives you access to your life insurance death benefit, while you are still living. The pay-out is accelerated, meaning, you do not have to wait for death to occur to receive it.
VoyaLife Insurance Review 2021
Voya Life Insurance Company (ING) is headquartered in Minneapolis, Minnesota. Get complete contact info, company reviews, and instant rate quotes here.
Mortgage Life Insurance Quotes
Mortgage insurance is a life insurance policy meant to pay off one’s mortgage(s) upon death, so dependents don’t have to worry about monthly payments.
Insurancy Founder Brian Greenberg Selected for Million Dollar Roundtable
Moral: Don’t bother your customers, and they’ll reward you with their business!
Medicare Supplements
Finding the best Medicare Supplement plan to meet your needs is key to ensuring your future health care. Compare plans and determine which is right for you.
What Is An Irrevocable Life Insurance Trust?
An irrevocable life insurance trust is a non-amendable legal structure. Learn more about how it's used and when it is applicable.
Allstate Life Insurance Company
For over 85 years, Allstate has established a respectable reputation for itself.
Million Dollar Life Insurance
If someone offered you a million dollar life insurance policy, you may think that it is too much coverage; that you might not qualify. Contrary to popular belief, million-dollar3 life insurance is way more affordable and accessible than you might think.
Mutual of Omaha Cancer, Heart attack Stroke insurance
Mutual of Omaha is well-known for its life insurance products. But they also offer a unique product that pays while you are still alive.
Who Qualifies for Free Medicare Part A
Free Medicare Part A will start at age 65 as long as you are:
Sleep Apnea Life Insurance
You can qualify for life insurance, even if you suffer from Sleep Apnea. That is, as long as other medical conditions are under control.
Best Life Insurance With Schizophrenia or bipolar disorder
Depending on the level of severity and effectiveness of control methods, many customers can still qualify for a standard life insurance policy.
Life Insurance With Depression and Anxiety
Getting good rates on life insurance with depression or anxiety can be challenging, but we know what companies work well for people with these conditions.
Life Insurance for Diabetics
Can you get life insurance if you have diabetes? Absolutely. Can you get the kind of insurance you want at a reasonable price? That depends.
Life Insurance to Secure a Small Business Loan
Did you know that if you want a small business loan, you’ll almost certainly need to get life insurance? The connection isn’t obvious, and many business loan applicants don’t realize the insurance requirement exists until it’s almost too late.
What Is LexisNexis?
For the insurance industry, they are given what is called an “Electronic Inspection Report”, which is then used to help classify your potential risk.
Which Jobs And Hobbies Affect Life Insurance Rates?
Skydiving, among other hobbies, may be a blast to do, but they will also affect your life insurance rates. Depending on the company, you may be downright denied.
Life Insurance for People With Epilepsy
Yes, you can get life insurance, even if you are diagnosed with Epilepsy. You may be rated differently from company to company, but you will not be denied automatically.
Life insurance for seniors
It’s possible to buy affordable, quality life insurance, even at a later stage in life. We’ll cover the different options available to you, based on your age and health.
Medicare Part A
Medicare Part A is the hospital/inpatient coverage portion of the traditional Medicare program provided by the federal government. Medicare Part A covers
How long is the life insurance application process?
Traditional policies can take 3 to 6 weeks. Some products can only take a few minutes, or even seconds.
Personal Loan Protection Insurance
When Thinking of Getting One What You Should Know?
Life Insurance And Coronavirus, Covid -19
Has Coronavirus affected the way people look at life insurance? See statistical results from our Covid-19 Study.
Hired and Non-Owned Auto Coverage: Business Owner's Guide
What is hired and non owned auto coverage and why would a business owner need it? Get a free quote from Insurancy to determine which works best for you.
5 Food Truck Insurance Options That Won't Break the Bank
Looking for affordable food truck insurance that offers the coverage that your business needs? Check out Insurancy’s guide to 5 best food truck insurance companies.
Insurancy Investment Survey 2022 Statistics
Online apps, cryptocurrency, internet investing, robo-advisors, gender differences, and more.
Cheap Car Insurance in Arizona: A Smart Driver's Guide
Finding cheap car insurance in Arizona can be made easier with the right partner. Learn more about auto insurance rates in AZ through this guide by Insurancy.
MIB Insurance Report: What You Need to Know
MIB, formerly the Medical Information Bureau, is an insurance consumer reporting agency in North America, the only one, in fact, and its primary purpose is to protect insurance companies against fraud.
Imputed Income Life Insurance: What You Need to Know
Learn more about what GTL imputed income means, how the IRS computes taxable income in life insurance, and the different categories of imputed income.
Buy-Sell Agreement Life Insurance
A buy-sell agreement funded with life insurance will give you the confidence that your business and your family will be taken care of in your absence. Plus, the cost is small compared to the benefits.
Decreasing Term Life Insurance: What It Is & How It Works
What is decreasing term life insurance and how does it work? This guide answers the most frequently asked questions about this policy type.
Simplified Issue Term Life Insurance
When you hear “simplified issue term life insurance,” you can expect not to have to take a medical exam. With simplified issue life insurance, there are a few key differences as compared with fully underwritten policies that require an exam.
Washington State Long-Term Care Tax
WA Cares Fund is a long-term care insurance tax of .058% of gross wages of workers in the state of Washington. November 1, 2021, is the deadline to avoid the new tax by purchasing a private long term care policy.
Why Women Need Life Insurance - Statistics
Studies, statistics, and reasons why women need life insurance.
How Does Life Insurance Without a Physical Exam Work?
There are various types of no physical life insurance products. Each type has a different application process and costs. By choosing carefully, you can make sure that you don't overpay.
Expecting? Here's How to Get Life Insurance While Pregnant
If you’re expecting, you’re probably wondering, “Can you get life insurance while pregnant?” We’ll answer this and more in our guide to life insurance.
Commercial Auto Insurance Georgia: Options, Rates & Tips
Want to know more about commercial auto insurance in Georgia? Read Insurancy’s guide then get a free quote to compare the best rates.
Commercial Auto Insurance Arizona: Options, Rates & Tips
Need Arizona commercial auto insurance? Learn more about AZ commercial insurance and compare quotes through Insurancy.
Find Mesa Car Insurance: Companies, Quotes & Discounts
Looking for car insurance in Mesa, AZ? Let Insurancy compare companies and quotes for you to help you decide which one is best for your needs.
Find Scottsdale Car Insurance: Companies, Quotes, & Discounts
Want to know where and how to find the best car insurance in Scottsdale, AZ? Read this guide to get started. Questions? Insurancy can help!
Find Tucson Car Insurance: Companies, Quotes, & Discounts
Looking for high-quality and affordable car insurance in Tucson? Insurancy can help! Read our complete guide to buying auto insurance in Tucson to get started.
Fidelity Life Insurance Company Review
Is the ease of obtaining a policy worth the extra cost? Fidelity life’s rapid issue term, whole life, final expense, and accidental plans.
TruStage Life Insurance Review
TruStage offers both term and whole life insurance products, neither of which require a medical exam.
American Amicable Life Insurance Company of Texas Review
The Company offers innovative life insurance and annuity products developed to target the individual needs of protection, wealth creation and estate
Bestow Life Insurance Company Review
Bestow is no longer selling new life insurance policies. In 2024 Bestow sold its carrier to Sammons Financial Group, which renamed it Lantern Insurance Company. Existing Bestow policies remain in force. Below is our archived review for historical reference.
Columbian Life Insurance Company Review
Columbian Life shines when it comes to whole life insurance policies, for both younger and older individuals.
Liberty Bankers Life Insurance Company Review
Liberty Bankers Life came onto the scene in 1958, and today boasts of over $1.3 billion in assets. They operate throughout most of the United States and offer a wide range of insurance products, including life insurance.
Nassau Life Insurance Company Review
Nassau Re is regarded as a relatively new life insurance company, but it boasts a surprisingly rich history.
World Financial Group
Shopping for life insurance, you have a lot of options to explore, whether its the breadth of insurance companies or the variety of products they sell. When it comes to dealing with a multi-level management company like World Financial Group, it pays to be aware of their heavy...
Americo Life Insurance Company Review
Americo has over a century of experience. In recent years, the company has seen great improvements in customer service. We like their final expense products the most.
United Home Life Insurance Company Review
United Home Life offers a variety of life insurance products, but we especially like the fact that they offer guaranteed coverage with no medical exam.
Restaurant Insurance Programs - How to Save on Premiums
There are numerous types of insurance that a restaurant needs. The following are the types of insurance policies that any restaurant should purchase.