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Lincoln Heritage Funeral Advantage Review – Worst Insurance EVER

You’ve probably seen Lincoln Heritage ads promising to be the “number one final expense company in America.” They talk about quick approvals, simple coverage, and even toss in a Funeral Consumer Guardian Society membership to make it sound like a complete package. Here’s the problem. Lincoln Heritage charges some of the highest premiums in the…

Primerica Life Insurance Review: Costly & Avoidable?

Primerica Life Insurance operates as a term-focused life insurance company distributed through a recruitment-based sales model. Primerica mostly sells temporary term policies that cost families more and leave families unprotected later in life. Since 1977, Primerica has built much of its business around one simple phrase: buy term and invest the difference. That slogan sounds…

Senior Life Insurance Company Review: Bad For Seniors?

Senior Life gets pitched as a simple answer for seniors, yet most people don’t realize how the pricing and sales setup works until they’ve already signed up. This Senior Life Insurance Company review will cover the company’s history, products, pricing, and consumer concerns. It will also highlight how a policy review with the Final Expense…

Colonial Penn $9.95 Life Insurance Review – Truth Revealed!

Colonial Penn’s $9.95 offer sounds cheap and simple, but it delivers far less coverage than most seniors think they’re buying. You’ve seen the Colonial Penn $9.95 commercials with the famous pitchman who smiles and says, “Just $9.95 a month!” It sounds so simple when they say they offer affordable coverage, no health questions, and guaranteed…

IULs For Police Officers or Firefighters – The Complete Guide!

IUL life insurance promises protection and growth, but the structure is complex and often fails to match what first responders think they’re buying. An IUL is a permanent life insurance policy that builds cash value based on the performance of a stock market index, often the S&P 500. Your premium doesn’t all go toward protection.…

Open Care Life Insurance Review: Don’t Buy This Insurance!

Open Care Seniors acts as a marketing intermediary that connects you with life insurance products instead of being the company that underwrites or pays claims. They don’t issue policies, set rates, or pay claims. Instead, they are a marketing brokerage that collects your personal information and then places you with one of several insurers they…

State Regulated Life Insurance…Is It A Lie?

State-regulated life insurance means a private life insurance policy complies with state insurance laws, not that the state offers or funds the coverage or pays the cost. State “state-regulated life insurance” mailers look official, but they’re just private life insurance sales pitches intended to confuse you into thinking it’s a valuable government benefit. I’m a…

Final Expense Insurance And Medicaid

Life insurance and Medicaid collide over asset rules that can quietly block benefits if coverage isn’t structured the right way. 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…

AARP Life Insurance Review – Is It Worth It?

AARP life insurance costs more because you’re buying New York Life coverage bundled with an AARP brand markup. 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…