Life Insurance

Agentless Term Life Insurance

Term Life Insurance Without an Agent When shopping for insurance, some individuals might prefer to avoid speaking with an agent for various reasons. Privacy concerns often top the list, as many shoppers wish to keep their personal information …

Best Term Life Insurance Companies

Reviewed by Richard Reich, CEO  and licensed agent with over 25 years of experience. Which Term Life Insurance is Best for Me?   The best term life insurance companies include Protective, Banner, Lincoln Financial, Prudential, Corebridge, Symetra, …

Who Needs Life Insurance?

Life insurance offers a sense of security and peace of mind, especially if you have financial dependents or significant debts that could burden others after you’re gone, but who needs life insurance? For parents, it’s a way to ensure …

Life Insurance for Millennials | Awesome Coverage Choices

Did you know only 10% of millennials have the life insurance they need? As millennials work towards a stable future, choosing the right coverage is key. This fits their unique lives and goals. Whether starting a career or settling down, finding the …

Compare Permanent Insurance Policies Easily

By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | 30+ years specializing in impaired risk and high-risk life insurance placements, along with Disability Insurance and Annuities. To compare permanent life insurance, look at …

Graded Benefit Whole Life Insurance

By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | 30+ years specializing in impaired risk and high-risk life insurance placements, along with Disability Insurance and Annuities.   Graded benefit whole life insurance is a …

What is a Child Term Rider on a Life Insurance Policy?

Quick Answer A child rider, often referred to as a child term rider, is a supplementary provision in a life insurance policy that extends coverage to the policyholder’s children. This rider is a strategic addition, offering a layer of financial …

Comparing Term Life Insurance vs Universal Life Insurance

By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | 30+ years specializing in impaired risk and high-risk life insurance placements, along with Disability Insurance and Annuities. Term life insurance provides coverage for a …

Battle of the Policies: IUL Vs Whole Life Insurance

Battle of the Policies: Indexed Universal Life (IUL)Vs. Whole Life Insurance In the ever-evolving world of financial planning, the battle between Indexed Universal Life (IUL) insurance and whole-life insurance rages on. These two types of permanent …