A million-dollar life insurance policy often represents a practical solution for protecting significant financial obligations, from mortgages and business loans to children’s education costs and income replacement needs. Despite common perceptions about cost, many healthy applicants discover that $1 million in coverage is more affordable than expected, particularly with term life insurance. Based on current […] Read more
Life Insurance
Author: Insurance Brokers USA Team Updated: September 2025 Reading Time: 12 minutes Deciding between term and whole life insurance can feel like a big task when you’re focused on securing your family’s financial future. The insurance world’s jargon, mixed online advice, and pushy sales pitches can make it hard to know if you’re picking the […] Read more
One of the main reasons why individuals will choose to purchase a term life insurance policy is because when compared to other types of life insurance policies, term insurance is typically the most affordable option. Particularly when quoting 10 and 15-year term life policies. This is why it’s not all that surprising that we frequently […] Read more
When someone begins looking for a life insurance policy at the age of 80 or above, they usually want to purchase a final expense or burial life insurance policy. This way, when the inevitable happens, a small whole-life insurance policy will help their loved ones pay for the considerable expenses associated with even the most […] Read more
When life insurance feels overwhelming due to high premiums or complex underwriting, a $5,000 policy emerges as an accessible starting point that many families overlook. While financial advisors often recommend coverage amounts equal to 10 times your annual income, this smaller policy size serves specific purposes that traditional advice doesn’t address – immediate funeral costs, […] Read more
In this guide, we’ll explore the factors that influence life insurance rates, provide tips for finding the most affordable coverage, and dispel common misconceptions about cheap life insurance. So, whether you’re just starting your life insurance journey or you’re looking to save money on your current policy, this guide is an essential resource for finding […] Read more
New Hampshire Mortality Rates 2025 Comprehensive Health Report Population 1.36M 10th smallest in US Life Expectancy 79.1 years 17th highest in US Median Age 43.1 years 2nd oldest state Annual Deaths 12,744 941.7 per 100,000 Leading Causes of Death Comprehensive mortality data for New Hampshire showing causes of death and national rankings: Cause of Death […] Read more
Limited-pay life insurance is a great asset that is often used by those interested in infinite banking or using it for a life insurance retirement plan. One massive advantage of whole life insurance compared to other permanent life insurance products is fixed premiums. When you buy a policy, you know your premiums will never increase, […] Read more
While one could argue that it’s better to purchase a life insurance policy in your 20s and 30s (because the insurance may be cheaper at that age), we’ve found that the majority of the time, these younger applicants fail to have a proper understanding of what their life insurance needs are, and ultimately end up […] Read more
When traditional life insurance companies keep saying “no,” it’s natural to feel frustrated and wonder if any coverage exists for people with serious health conditions. Perhaps you’ve been declined multiple times, or maybe you’re avoiding the application process entirely because you know your medical history will be a barrier. In some situations, this may be […] Read more
