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American Amicable Burial Insurance Review – Pros & Cons

Founded in 1910 and headquartered in Waco, Texas, the company has operated for over a century, offering simplified policies at higher than average pricing. Today, it’s part of iA Financial Group, a large Canadian insurance conglomerate that owns several U.S. life insurance subsidiaries. That ownership gives American Amicable some financial backing and stability, though it…

Final Expense Life Insurance Diabetic Retinopathy

Diabetic Retinopathy Final Expense Life Insurance

Being diagnosed with diabetic retinopathy does not mean you can’t qualify for life insurance. The problem is that most companies and life insurance call centers group all diabetics with “diabetic complications” into the same high-risk box, which leads to automatic waiting periods and overpriced premiums. That’s lazy underwriting and doesn’t provide accurate risk assessments, and…

Final Expense Insurance with Type 1 Diabetes

Living with Type 1 diabetes already comes with enough challenges. The last thing you need is an insurance company treating you like you’re uninsurable for final expense life insurance. Too many diabetics are told their only option is a two-year waiting period or a “guaranteed acceptance” plan that barely covers anything. That’s not true. The…

IUL For Police Officers And Firefighters

If you’re a police officer or firefighter, you may have had a life insurance agent pitch you an Indexed Universal Life, or IUL, as a way to “grow your money tax-free” while protecting your family. An IUL is a permanent life insurance policy that builds cash value based on the performance of a stock market…

Indexed Universal Life Insurance For Teachers

IUL’s For Teachers: Why These “Retirement Plans” Often Fail

An Indexed Universal Life policy, or IUL, is a hybrid life insurance product that mixes life coverage with a market-linked savings feature. It’s promoted as a “tax-free retirement plan” that grows safely without market risk. What most teachers don’t realize is that an IUL is insurance first, and should never be considered a true “investment”.…

Final Expense Insurance Vs. Dave Ramsey

Dave Ramsey’s message is simple: buy term life insurance and invest the difference. That idea sounds good in theory. However, Ramsey’s advice appears to be tailored for high earners in their 30s and 40s who can consistently invest over the course of several decades. It assumes stable income, strong discipline, and long investment horizons. For…

Final Expense Insurance And Medicaid

Medicaid helps low-income seniors and people with disabilities pay for long-term care and medical expenses. What most people don’t realize is that Medicaid also reviews your financial assets (including life insurance) before approving benefits. If a life insurance policy builds cash value, Medicaid can count that value toward your personal asset limit. Most states set…

AARP Life Insurance Review – Is It Worth It?

AARP doesn’t sell or service insurance. They sell New York Life Insurance Company, which AARP pays massive royalties to use its name. Each time a policy is sold, AARP earns money. So when you sign up, you’re buying from New York Life, AARP collects a percentage of every premium you pay. The AARP partnership often…

Ethos Life Insurance Review – Exposing The Marketing Hype

Ethos does not issue its own life insurance policies and focuses on convenience rather than getting you the lowest pricing. Ethos Life Insurance, a company founded in 2016 and based in San Francisco, California, acts as a digital distributor, connecting applicants to established carriers that actually assume the risk and pay claims. Those carriers include…