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VALife Insurance: A Costly Mistake For Veterans

Veterans Affairs Life Insurance, better known as VALife, is a government-run whole life insurance program offered through the U.S. Department of Veterans Affairs that all veterans should avoid if at all possible. It was launched to replace the older Service-Disabled Veterans Insurance (S-DVI) program, which stopped accepting new applications in December 2022. VALife was designed…

Rapture Life Insurance: Does It Pay If You Go To Heaven?

If millions of people suddenly vanished, you might be asking yourself, “Will life insurance companies pay out after the rapture?” The short answer is no insurance company has a plan for this. This is because the term “Rapture” isn’t part of any legal definition of death. Life insurance operates entirely under state and federal law,…

Americo’s “Quit Smoking Advantage” Perhaps The Worst Policy

Most insurance companies create products to help people. Americo seemingly created a “Quit Smoking Advantage” program that may life insurance shoppers would call a “total turd policy”! The “Quit Smoking Advantage” looks like a reward program for smokers who want to quit, but it’s not. It targets seniors and working adults who admit to smoking,…

Life insurance With No Waiting Period

Are you looking for life insurance with no waiting period? The good news is that getting a life insurance policy with no waiting period is possible! Affordable coverage is available without requiring a waiting period for benefits to take effect. You pay the first premium installment, and you are entitled to get the full benefits…

Senior Legacy vs. Senior Legacy Life

The names Senior Legacy and Senior Legacy Life sound almost identical. So what’s the difference between Senior Legacy and Senior Legacy Life? They’re not the same company. And if you don’t know the difference, you could end up wasting time, money, and patience. One is an agency. One is a referral network. Neither is an…

Is The T2 Form A SCAM?

The “T2 Form” isn’t a government benefit notice but a marketing mailer designed to look official so companies can collect your personal information and sell it to insurance agents. These letters often look official, using phrases like “Important Benefit Information” or “State-Regulated Life Insurance.” Many recipients assume they’re tied to government benefits or Social Security…

Trinity Life Insurance Review

Thinking about Trinity Life for burial, cremation, or final expense insurance? You’re in the right place. This review breaks down everything you need to know about their burial insurance plans, written to help you clearly determine whether Trinity is the right fit for you. Trinity Life is one of the strongest companies I work with.…

Life Insurance Height and Weight Guidelines

If you have no clue about “build charts” or minimum and maximum height & weight, life insurance can feel like it is full of complexities. Since maximums and minimums play such a huge part in getting your premiums, and/or getting approved, you should know about them. In this article, I will share what height &…