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Introduction to Life Insurance

The Difference Between Stock and Mutual Life Insurers

The Difference Between Stock and Mutual Life Insurers

September 13, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Stock insurance companies are, like regular corporations, owned by stockholders who put up the required capital with the objective of … Read more

A Comparison of Available Life Insurance Policies

A Comparison of Available Life Insurance Policies

September 13, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

The figure below summarizes and compares the characteristics, markets, advantages and disadvantages, and other features of various types of life … Read more

An Expert Explanation of Participating and Non-Participating Life Insurance Policies

An Expert Explanation of Participating and Non-Participating Life Insurance Policies

September 13, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Because insurance companies must guarantee death benefits and a minimum schedule of cash values in most policies (except variable life … Read more

Life Insurer Expenses and Risk Loadings

Life Insurer Expenses and Risk Loadings

September 13, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Although interest and mortality are the two principle factors in premium calculations, in reality insurance companies must include other factors. … Read more

The Life Insurance Underwriting Process

The Life Insurance Underwriting Process

September 13, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Through their underwriting process, insurance companies classify or rate insureds by their risk characteristics. Health, occupation, avocations, gender, and habits … Read more

Adverse Selection and Moral Hazard in the Life Insurance Industry

Adverse Selection and Moral Hazard in the Life Insurance Industry

September 12, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Adverse selection is one of two main sorts of market failure often associated with insurance. The other is moral hazard. … Read more

Life Insurance Math Made Simple

Life Insurance Math Made Simple

September 12, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

The following simplified example illustrates the basic operation of life insurance as a capital accumulation vehicle with both death protection … Read more

Life Insurance as a Savings and Investment Vehicle

Life Insurance as a Savings and Investment Vehicle

September 12, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Life insurance can be a superb savings and investment vehicle. All conventional investment vehicles serve the same purpose, but the … Read more

The 15 Most Important Legal Aspects of Life Insurance

The 15 Most Important Legal Aspects of Life Insurance

September 12, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Legally, life insurance is a contract, governed principally by state law. A life insurance contract promises to pay a specified … Read more

Advantages and Disadvantages of Life Insurance

September 12, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

ADVANTAGES  The advantages offered by life insurance vary with the type of policy and the problem to which the policy … Read more

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8205 S Cass Ave, Suite 102 Darien, IL 60561, USA.

Copyright ©1984-2023 Life Quotes, Inc., 8205 South Cass Avenue, Suite 102, Darien, Illinois. Life Quotes, Inc. and certain of its personnel are licensed as insurance agents, brokers or producers in all states. CA agent #0A13858, LA agent #200696, MA agent #1746830. CA under agency #0827712 dba Quotes for Life Insurance Agency, LA agency #205078 dba Life Quotes Inc, UT agency #90093. All rights reserved. Telephone (630) 515-0170. Founded 1984.

Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: American Family Life Insurance Company, Madison, WI; American General Life Insurance Company, Houston, TX and The United States Life Insurance Company in the City of New York, NY, both AIG companies; American National Insurance Company, Galveston, TX; American National Insurance Company of New York, Glenmont, NY; Assurity Life Insurance Company, Omaha, NE and Assurity Life Insurance Company of New York, Albany, NY; Banner Life Insurance Company, Frederick, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General America companies; Boston Mutual Life Insurance Company of Boston, MA; Columbian Life Insurance Company, Chicago, IL and Columbian Mutual Life Insurance Company, Binghamton, NY, both members of Columbian Financial Group of Binghamton, NY; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; Globe Life Insurance Company of New York, Syracuse, NY; Gerber Life Insurance Company, White Plains, NY; Globe Life and Accidental Insurance Company, Omaha, NE, a holding company of Torchmark Corporation, McKinney, TX; Foresters Financial, Buffalo, NY; John Hancock Life Insurance Company (USA), Boston, MA; Lafayette Life Insurance Company, Cincinnati, OH; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; Minnesota Life Insurance Company of St. Paul, MN and Securian Life Insurance Company of St. Paul MN, both part of the Securian Life Insurance Company of St. Paul MN; Mutual of Omaha Insurance Company, Omaha, NE, United of Omaha Life Insurance Company, Omaha, NE, and Companion Life Insurance Company, Hauppauge, NY all Mutual of Omaha affiliate companies; North American Company for Life & Health Insurance, West Des Moines, IA; Pacific Life Insurance Company, Omaha, NE; Penn Mutual Life Insurance Company, Horsham, PA; Principal Life Insurance Company, Des Moines, IA; Protective Life Insurance Company and Protective Life and Annuity Insurance Company, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Sagicor Life Insurance Company off Austin, TX a member of the Sagicor Financial Corporation of Austin, TX; The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA and Centrian Life Insurance, Woburn, MA (SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, which is in no way affiliated with SBLI USA Mutual Life Insurance Company, Inc.); Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica Life Insurance Company, Cedar Rapids, IA, both AEGON companies; United American Insurance Company, McKinney, TX.

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    Darien, IL 60561, USA.