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How much life insurance do I need? “Rules of Thumb”

The majority of Americans agree that life insurance is an important part of their overall financial and estate planning. However, determining an appropriate amount of coverage can be challenging for many consumers. In working with clients, we are often asked questions related to life insurance and policy coverage such as... How much life insurance do I need?…
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Banner Life Insurance Company Review

Banner Life Insurance Company has a well-earned reputation for financial strength. affordable life insurance products, and fair underwriting.  But, how competitive are the company’s products and services in today’s ever-changing life insurance marketplace? What types of life insurance products does Banner Life offer for consumers? And, how does the quality of customer service match the company’s ratings?…
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Life Insurance for Smokers and Tobacco Users (Insider Tips)

The number of smokers has decreased in recent decades, but many Americans continue to use tobacco products. As a result, we frequently receive questions related to life insurance for smokers or the use of other forms of tobacco. Common consumer questions include… Is life insurance for smokers more expensive? If I quit smoking, can I qualify for non-smoker…
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Mutual of Omaha Insurance Company Review

Mutual of Omaha has a long history of providing quality insurance and financial products to consumers, as well as an organizational focus on community service. But, how do the company’s products and services compare to their competitors in an ever-evolving marketplace? What types of insurance products and services does Mutual of Omaha offer? (800) 775-1000 Customer Access…
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How to Find a Lost Life Insurance Policy

The death of a loved one can be extremely difficult from an emotional standpoint but also presents certain financial and logistical challenges. It is often the responsibility of surviving family members to make final arrangements and settle the decedent’s estate, which includes life insurance. Given these often unexpected responsibilities, it is understandable that family members may have…
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American National Insurance Company Review

American National Insurance Company has excellent ratings and a long history of providing high quality products and services to consumers.  But... How do the company's life insurance products and customer service compare to other insurers?  And... What types of personal and business insurance plans and policies are available through American National? (800) 899-6806 Account Login Customer Service…
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Prudential Insurance Company Review

Prudential Financial and its subsidiaries such as The Prudential Insurance Company of America, Pruco Life Insurance Company, and others are well-known and highly respected names in the insurance and financial services industry on a global scale. But, does being well-known actually mean that Prudential life insurance is among the best? And... What types of life insurance coverage…
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Protective Life Insurance Company Review

Protective Life Insurance Company has a reputation for both high quality insurance products and outstanding customer service for policy owners.  But... How do the company’s insurance products and services stack up against other industry leaders? And... What types of life insurance coverage does Protective offer personal and business consumers?  (800) 866-9933 MyAccount Login Customer Service Policy Claims…
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Qualifying for Life Insurance with Depression

It is fairly common for patients to seek advice and treatment for depression or anxiety-related conditions. It is so common that this information is often initially omitted when applying for life insurance with depression or a similar diagnosis. So, is depression a preexisting condition that should be disclosed when applying for life insurance? If so, is it possible…
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