Posts by Jeff Root

American Amicable has been around since 1910, when it originated in Texas. The company was acquired by Industrial Alliance in 2010 but continues to provide innovative life insurance products. A.M. Best has given them an A, or excellent rating. This is the third highest rating possible. Such a rating signifies a long standing history of.. More

As a firefighter, you put your life in the line every time you head into a burning building, and yet, in spite of your willingness to risk your life for others, for the job, you are faced with high life insurance rates from companies everywhere. Despite the dangers of their occupation, firefighters can still find.. More

Transamerica Life Insurance company has been around for well over 100 years. Their home office is located in Cedar Rapids Iowa and they are owned by a larger company based out of the Netherlands. They also own Stonebridge Life Insurance Company. Previously called Monumental Life Insurance Company, the name was changed to Transamerica Premier Life.. More

Variable life insurance is a form of permanent, lifelong coverage that also has a cash value account. There is a higher upside potential associated with the cash value accumulation of variable life insurance policies when compared to other permanent life insurance policies, however, they also come with higher fees and greater risk. As long as.. More

As a professional athlete, life insurance companies look at what sport you play and what factors might lead to additional health concerns. There are certain sports that are significantly more strenuous and there are sports that are more dangerous. Life insurance companies need to know what risk you pose financially and part of that involves.. More

The one downfall to a term life insurance policy is that it is only for a specified period of time. Once the term comes to an end so does the coverage. It can be great to no longer have to pay your monthly premium but if you are still in debt and need coverage this.. More

A Term Insurance Rider is a form of benefit for your insurance policy which supplements the coverage you have in the basic policy, designed for those who have permanent life insurance policies but face changing financial needs later in life. This is a way for you to add term coverage to your basic permanent policy.. More

Indexed Universal Life Insurance

Written by Jeff Root

Life insurance comes in a lot of shapes and forms. The various types of life insurance policies are usually divided into two main categories: term life insurance and permanent life insurance. Term life insurance coverage lasts a given period of time, between 10 and 30 years. After this, your coverage expires and you must find.. More

Life Insurance was created to help families going through a tough time. It is terrible to think about but what would happen to your family if you were to pass away in the next couple of years? How would they be able to stay afloat financially? This is where life insurance coverage can help. Life.. More