Rate life insurance companies

2015 Whole Life Insurance Dividend Analysis

2015 Whole Life Insurance Dividend AnalysisIn 2013 we released the industry’s first public analysis on variation in dividends  for major participating whole life insurance products. This analysis focuses on variation and trend of declared dividend interest rate at the seven most competitive life insurers who issue participating whole life and will publicly announce/disclose their dividend interest rate (more on this point later on).We’ve long argued that this sort of analysis is the best gauge of potential cash value performance in a whole life policy because it allows us to review how the company has managed business and investment operations given the axiomatic assumption that these life...

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Top Whole Life Insurance Companies for Building Cash Value

Top Whole Life Insurance Companies for Building Cash ValueIt’s no big secret that we think whole life insurance is pretty awesome. Hopefully, most of you realized we were just being cheeky on our podcast last week when we declared that it sucked (though we don’t think it’s the answer to all the world’s problems).We often receive questions regarding which company has the best whole life products. After giving this subject careful consideration, the time has come for us to make an official list. You’re very welcome!First, a Little ExplanationWe have to be very clear here: this is not an exhaustive list of the only carriers from which you should ever buy whole life insurance.However, this is a...

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Rate Making: How Insurance Premiums Are Set

Rate Making: How Insurance Premiums Are SetRate making (aka insurance pricing) is the determination of what rates, or premiums, to charge for insurance. A rate is the price per unit of insurance for each exposure unit, which is a unit of liability or property with similar characteristics. For instance, in property and casualty insurance, the exposure unit is typically equal to $100 of property value, and liability is measured in $1,000 units.Because an insurance company is a business, it is obvious that the rate charged must cover losses and expenses, and earn some profit. However, all states have laws that regulate what insurance companies can charge, and thus, both business and regulatory...

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AXA Life Insurance products

Life insurance: a multi-purpose financial toolLife insurance is designed primarily to protect your family...

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Life Insurance - Medical Qualification - AVweb Features Article

Life Insurance - Medical QualificationSure, you can get just about as much insurance as you're willing to pay for, but first there is that medical exam. Seth Legatowicz of the Pilot Insurance Center gives you the inside track on medical underwriting when applying for life insurance.M y company specializes in providing pilots with the lowest term life rates available... if you qualify medically. Typically, an insurance company requires a life insurance medical exam before they can approve your policy and provide you with a final premium rate. After taking your application for life insurance, your agent will call a paramedical service that specializes in mobile exams to contact you and...

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Beware of Interest Rate Impact On Life Insurance, McGrath Insurance Group, Inc.

Beware of Interest Rate Impact On Life InsuranceBy Richard A. McGrath, CIC, LIARecord low interest rates are great for homebuyers, the federal government and anyone else who has had to borrow money. They’re not so good, though, for owners of universal life insurance.Over the next few years, if interest rates remain low, owners of universal life insurance that was purchased years ago when rates were high will face an unpleasant choice:Paying more money for their insuranceAccepting a lower death benefitWalking away from the policy, and getting nothing in return for the many years of premiums that were paidSuch insurance policies were created based on the premise that interest rates would...

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Diabetes and Life Insurance - The Only Article You Need to Read

Getting life insurance with diabetes can be frustrating at times whether you got declined for coverage before or just don’t know the outcome if you move forward. You are not alone since there is an estimated 23.6 million Americans diagnosed with diabetes. In this article we want to arm you with the best information, so you can have a more clear understanding of what to expect from the life insurance companies out there and save mucho dinero.Believe it or not but getting life insurance with diabetes is an attainable task. Not all life insurance companies are ideal for someone with diabetes, so it is possible to get declined or get sky high pricing. The rates will be determined by looking at...

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