Life Insurance Basics

Guaranteed Universal Life Insurance (GUL) Explained?

When it comes to purchasing life insurance, everyone would want to go for a policy that has an assured payout. Truly, nobody wants a policy that doesn’t convince them fully that a certain amount of money will be paid to the beneficiaries when the worst happens. That is why a lot of versions of these […]

Whole Life Insurance Policy for $1 million dollars?

You are an individual who wants to provide life insurance protection for your family no matter when you may die. And you may also be someone who wants to get a little bit more with their life insurance policy, because of this you decided to look up life insurance quotes for a whole life insurance […]

Cancelling a Life Insurance Policy with Cash Value?

You may have got convinced into buying an expensive permanent life insurance policy like a whole life or universal life a while back and now realize you may have been better off simply getting a term life insurance policy. Or you simply can’t afford to pay your cash value life insurance plan anymore and want […]

Life Insurance Underwriting: What is it?

The time to purchase life insurance has come and you’re hearing a lot of new terms specifically “Underwriting”. Now, you’re wondering what is this mysterious word and would like to know more. Well, you have come to the right place because here at InsureChance, we make things simple to understand and give you all the […]

What if I Can’t Pay My Term Life Premiums?

You have an existing policy and times are hard or you simply forgot to make a payment to your life insurance company. Now, you’re wondering what will happen to your policy and what are some things you can do to prevent the policy from lapsing. You may also already got a policy that lapsed and […]

Personal Life Insurance Explained

You may want to get more coverage than what your employer is offering or you simply can’t have any life insurance through work and are wondering if you can get a personal life insurance policy. The answer is Yes! And you definitely should even if you have a policy through your job. Just like it […]

Life insurance for your brother or sister

If you depend on your sibling for financial support or they simply want to leave something behind, getting life insurance can be a great solution. The question is do insurance companies allow you to take a policy out on your brother or sister. The answer is yes, as long as they consent to it. You […]

5-Year Term Life Insurance

*5 Year Term Life Insurance costs the same as a 10 Year Term. Personally, we don’t offer 5 Year Term Life plans for this exact reason. You can buy a 10 Year Term Plan so you can have the coverage locked in for a longer time and cancel whenever you want.  You decided to buy […]

The Top 15 Best Life Insurance Companies

Looking for the best life insurance company to get ensured from can be very frustrating. We made a list of the top 15 life insurance companies that we believe are the absolute best if not better; Prudential American General Banner Life  Sagicor North American Life John Hancock TransAmerica Principal Metlife SBLI Lincoln National Fidelity American […]

What You Need to Know About Standard & Poor’s Ratings?

If you are wondering about who Standard and Poor’s is or what exactly they do, you have come to the right place. S&P is one of the best rating agencies around who give companies ratings for consumers to understand fully about the company they are inquiring about and make the most educated decision possible. Here […]

Term Life Insurance Quotes