Indexed Universal Life (IUL) Insurance: Pros, Cons, and Retirement Potential in 2025 When you think of life insurance, you probably picture a safety net for your family after you’re gone. But what if your life insurance policy could also act as a tax-advantaged retirement tool, building market-linked gains with no downside risk? Welcome to the … Read more
Can You Have More Than One Life Insurance Policy? Rules & Strategies for 2025 Life insurance isn’t a one-size-fits-all product — and for many Americans in 2025, a single policy simply doesn’t cut it. Whether you’re growing a family, expanding a business, or thinking about retirement, you may be wondering: “Can I legally have multiple … Read more
Life Insurance Riders Explained: Which Add-Ons Are Worth It in 2025? Buying life insurance is one of the most important financial decisions you can make — but customizing it with the right riders can take your coverage to the next level. Life insurance riders are optional add-ons that modify your base policy to provide: In … Read more
What Is Guaranteed Issue Life Insurance and Who Should Get It in 2025? If you’ve been denied life insurance due to health issues — or simply want coverage without a medical exam or questions — guaranteed issue life insurance might be your best option. In 2025, more Americans with chronic conditions or advanced age are … Read more
Convertible Term Life Insurance in 2025: How to Turn Temporary Coverage into a Lifetime Benefit Term life insurance is one of the most affordable ways to protect your family — but what happens when that term ends and you still need coverage? Enter convertible term life insurance: a unique feature that lets you turn a … Read more
How to Choose a Beneficiary for Your Life Insurance (2025 Guide) Choosing a life insurance policy is a big step — but choosing the right beneficiary is just as important. After all, this is the person (or entity) who will receive your life insurance payout, often hundreds of thousands of dollars, when you’re gone. Yet … Read more
Final Expense Life Insurance: What It Covers and Who Needs It in 2025 Final expense life insurance — also called funeral insurance or burial insurance — is designed to cover the cost of your end-of-life expenses, so your loved ones aren’t left with financial stress during a time of grief. In 2025, the average funeral … Read more
Burial Insurance vs Term Life in 2025: What’s Better for You? When planning for the inevitable, most Americans consider two options to ease the financial burden on loved ones: Burial Insurance and Term Life Insurance. While both offer a payout upon death, their purpose, cost, and coverage amounts are very different. In 2025, funeral costs … Read more
Cash Value Life Insurance vs Roth IRA: Which Builds More Wealth in 2025? If you’re trying to build wealth while protecting your future, you’ve likely heard of two powerful tools: Cash Value Life Insurance and the Roth IRA. Both offer tax advantages. Both help you grow money over time. But which one is better — … Read more
Using Life Insurance to Pay Off Debt: Is It Smart in 2025? Debt is a fact of life for millions of Americans. Whether it’s a mortgage, student loans, credit cards, or business loans — the burden doesn’t always end with death. That’s why in 2025, many families and individuals are turning to life insurance as … Read more