United Heritage Life Insurance operates quietly in the shadow of industry giants, yet this Idaho-based company has been serving policyholders since 1934 with a focused approach that many families find surprisingly effective. While their A- financial rating from AM Best may not immediately catch attention, United Heritage has carved out a distinct niche in final […] Read more

Royal Neighbors has earned a reputation for blending purpose with protection—offering life insurance built on community values rather than corporate profits. With a legacy of empowering women and supporting families for more than a century, the organization continues to stand out for its personal touch and member-focused benefits. Let’s explore what makes Royal Neighbors unique—and […] Read more

Unfortunately, many people who aren’t familiar with how life insurance works and are eager to get insured will often confuse these policies or assume that they are interchangeable. This is why understanding the differences between accidental death and life insurance is crucial when selecting the right policy for your needs. In this article, we will […] Read more

In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks either looking to purchase a life insurance policy on themselves after they have been diagnosed with Schizophrenia or looking to buy a life insurance policy on a family member who has been […] Read more

Before You Choose Any Final Expense Insurance Broker We recommend comparing at least 2-3 brokers before making your decision. Final expense insurance is permanent coverage that will last your lifetime – you want to ensure you’re working with a broker who truly understands underwriting nuances and can place you with the company most likely to […] Read more

Colonial Penn is best known for its television commercials promising “guaranteed acceptance” life insurance with no medical exams—an offer that appeals to many Americans over 50 looking for simple, accessible coverage. But while the message is clear and compelling, understanding how Colonial Penn’s plans actually work requires a closer look. In reality, Colonial Penn’s guaranteed […] Read more

Why We Created This Comprehensive Guide As licensed insurance professionals, we’ve spent countless hours analyzing over 50 no-exam life insurance companies to save you weeks of research. This guide demonstrates our expertise through detailed analysis, but choosing the right policy depends on your unique situation. How to use this guide: Jump directly to companies that […] Read more

Arkansas Mortality Rates 2025 Comprehensive Health Report Population 3.09M 34th most populous Life Expectancy 72.5 years 7th lowest nationally Health Ranking 48th 4th consecutive year Annual Deaths 33-35K 1,097 per 100,000 Leading Causes of Death Updated data from 2022-2024 showing Arkansas’s mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 National Rank Heart […] Read more

When seniors and individuals with health conditions need life insurance coverage, traditional policies often prove inaccessible due to medical underwriting requirements. Senior Life Insurance Company has operated in this specialized market since 1970, focusing exclusively on simplified-issue and guaranteed-issue policies across nearly 40 states. For families evaluating final expense insurance options, understanding how Senior Life’s […] Read more