Life Insurance Free Quotes

A Term Life Insurance Guide Can Be Quite Useful

It may be helpful to have a term life insurance guide, either in the form of a person who knows these policies inside out or in the form of written information on a website, if you are in the market for life insurance. On the other hand, may be you just want to get a better understanding of the term life insurance policies you already own. I would like to apply for the position as your term life insurance guide. My services will not cost you anything. Let us examine each policy in detail starting with those that are less costly.

• The Decreasing Term Life Insurance Policy

People find this policy very attractive as they more often than not use this policy to pay off the balance owed on a mortgage in the event of death. Here is how it works…

You buy a house for, let us say, $250,000. You pay down $75,000 at the point of purchase as you want to keep your monthly payments as low as possible.

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Term Life Insurance Conversion – Converting Term Life To Permanent Insurance

A few years ago you purchased your term life insurance policy. You pay a very inexpensive premium. You have enjoyed the security that this policy afforded you over the years. You have recently discovered that a hereditary disease will likely rear its ugly head. Even though your youngest is close to graduation you will still need your life insurance policy as you want to protect your mate in case you should die suddenly. You could try to buy some more term life insurance that would give you a few more years of protection. The problem is that you may not be able to get it because of your recently discovered health problem. If the company approves a policy you will have to pay considerable more for it. There is only one solution. If your original policy is still within the conversion period allowed by the contract you may want to convert your term policy to a permanent policy.

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Equitable Life Participating Whole Life Insurance: Equimax

Get cash values and dividend values with Equimax. Photo by Duckie Monster

Equitable Life offers a Participating Whole Life policy called Equimax. Participating Whole Life insurance offers guaranteed cash values and dividend values. This differs from Non-Participating Whole Life policies, which just offer guaranteed values.

The following are five benefits of an Equitable Life Participating Whole Life policy:

1. The plan is available in Life-Pay or 20-Pay options.

2. Equitable Life had paid a dividend each year since 1936 and their dividends continue to be strong, even in a low interest rate environment.

3. Their Equitable Life dividend rate has a very low risk level, with a standard deviation of 1.3% over the last 20 years.

4. The policy holder can choose from a wide variety of dividend options, including paid-up additions.

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Dental Insurance Quotes

Dental Insurance Quotes

It is perfectly easy for our dental health to deteriorate as we grow and get older.  Finding affordable dental insurance quotes however, is not always as easy.  Luckily, Wholesale Insurance is here to help you compare dental insurance quotes from the best dental insurance providers in your area.  Our knowledgable dental insurance specialists can answer all of your questions and assist you through the whole process.  You don’t have to put off routine checkups and teeth cleanings because you are worried about paying too much.  Compare dental insurance quotes with wholesale insurance to find yourself a plan to keep your smile healthy and clean.

How Wholesale Insurance Helps

Our personal service, information library, and online dental insurance quote generator are available to you free of charge. Whil

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Dental And Vision Insurance

Dental and Vision Insurance Why do I need Dental and Vision Insurance?

It is perfectly normal for our mouth and eye care to falter as we grow and get older.  Paying the full price for your dentist and eye doctor bills shouldn’t have to be normal though.  You don’t have to put off routine checkups and teeth cleanings because you are worried about paying too much.  We can help you find an affordable dental and vision plan to alleviate the high costs of optometrist and dentist visits.   

How Wholesale Insurance Helps

Our personal service, information library, and online quoter are available to you free of charge.  Wholesale Insurance is an independent life insurance agency.  That means that we make vision policies from many different competitors available to you.  Our goal is to find you the most affordable dental and vision insurance on the market.

What is Dental and Vision Insurance?

Dental and Vision insurance is an contract between you and an insurance carrier designed to pay for a portion of the costs associated with your vision care needs. 

Dental Insurance-

There exist a wide range of coverage options for you to choose from.  Some options might include free preventative services such as teeth cleaning.  Many vision plans cover fillings, crowns, emergency tooth replacement, oral surgery, x-rays.  These coverage and benefit limits are not universal but rather determined by each different dental insurance provider. 

One of our knowledable dental insurance specialists can help you choose a dental plan that’s tailored to your needs.

Vision Insurance-

There are two types of vision plans you can choose from based on your needs.  

One type is vision benefits packages, and the other type is vision discount plans.

Both vision plans provide basic coverage including:

1. A comprehensive annual eye examination
2. One pair of standard frames
3. One pair of contact lenses

Wholesale Insurance makes it easy for you to compare rates and quotes from all of the top dental and vision insurance providers.

How to shop for Dental and Vision Insurance

Let Wholesale Insurance compare dental and vision insurance quotes for you.

Get started now with our Online Quoter.  Start by ente

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No Exam Insurance Explained – You Can Actually Buy Your Policy Online

No exam insurance can be pretty easy to get in today’s world. It used to be that most life insurance policies, especially after age 40, were obtained after a rigorous medical examination. If the policy was large enough you would need more than one examination which may include blood or urine tests. People are taking better care of themselves and as a result life insurance companies issue policies after you answer a few questions truthfully about your family history and your medical history. They issue a no exam insurance policy, sometimes right there online.

These no exam life insurance policies are really designed for the person who is very aware of their need for life insurance but really doesn’t have the time to get a medical examination done. These people are usually between ages 25 and 65 and are in good health to the best of their knowledge.

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Mortgage Life Insurance – Mortgage Redemption And Cancellation Life Insurance

Here is another approach to mortgage life insurance. You want to cover your mortgage in case you should die before your children are self sufficient. You also want to protect your spouse as your income is important to your lifestyle. As your home is one of your largest investments, probably the largest, you decide that mortgage life insurance is a good idea. We have already discussed using decreasing term insurance as well as using a level term policy. Let us now examine whether a permanent type policy could be intelligently used to protect your mortgage. Let us find out if there is any advantage to this.

• Mortgage Redemption And Cancellation Insurance

  Here is how this works. You can decide for yourself if this would work for you. When you buy your home you buy a whole life, variable universal life or variable life insurance in the amount of mortgage owed to the bank or mortgage company.

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Infinite Banking

Using a Life insurance policy to your extreme advantage will help you truly understand what infinite banking really is.  We all know there are two major strategies that can help us build wealth.

• Individuals can increase the dollar amount of money you make by getting a better paying job

• Or you can increase the amount of money you keep in your pocket.

The Infinite Banking Concept or Strategy is a system that helps both individuals and businesses change out money that would have been normally lost as a debt and put higher amounts of interest and taxes back into your circle of wealth building.

You must take a really close look at  the money you spend for an entire lifetime to finance their lifestyle.  The Infinite Banking Strategy can be used to purchase cars, boats, appliances, education, healthcare, and many other items that are necessary in our world.   Consider that you now have the ability to recapture the money lost to these purchases. Put that next to

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