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Ordinary Level Premium Whole Life Insurance

What is the "Vanishing Premium" with Whole Life Insurance?

What is the “Vanishing Premium” With Whole Life Insurance?

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

This option is similar to the premium reduction option except that the dividends are applied as additional premiums while the … Read more

The 3 Primary Alternatives to Whole Life Insurance

The 3 Primary Alternatives to Whole Life Insurance

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

There is no substitute for life insurance that provides an immediate estate upon a person’s death. All types of life … Read more

How to Evaluate Whole Life Insurance Policies

How to Evaluate Whole Life Insurance Policies

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Selecting the best cash value life insurance policy is a difficult task involving a number of complicated concepts and analyses. … Read more

Tax Implications of Ordinary Whole Life Insurance

Tax Implications of Ordinary Whole Life Insurance

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Death benefits are usually free of any federal income tax. In general, death benefits paid under these policies are subject … Read more

What to Know about Ordinary Level Whole Life Premiums

What to Know About Ordinary Level Whole Life Premiums

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Life insurance companies are free to set premiums according to their own marketing strategies. Almost all states have statutes prohibiting … Read more

Important Policy Features of Ordinary Level Premium Whole Life Insurance

Important Policy Features of Ordinary Level Premium Whole Life Insurance

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Par and Nonpar Policies The premiums, the death benefit, and the minimum cash surrender value schedule are initially fixed in … Read more

Consider Using Ordinary Level Premium Whole Life Insurance as a Savings Vehicle

Consider Using Ordinary Level Premium Whole Life Insurance as a Savings Vehicle

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

One can view ordinary level premium whole life mathematically (but not legally) as a combination of decreasing term insurance and … Read more

7 Disadvantages of Ordinary Level Premium Whole Life Insurance

7 Disadvantages of Ordinary Level Premium Whole Life Insurance

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Understanding the disadvantages of level premium whole life helps consumers make the most educated decision. Here are the 7 major … Read more

11 Advantages of Ordinary Level Premium Whole Life Insurance

11 Advantages of Ordinary Level Premium Whole Life Insurance

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

Understanding the advantages of level premium whole life helps consumers make the most educated decision. Here are the 11 major … Read more

16 Reasons to Consider Ordinary Level Premium Whole Life Insurance

16 Reasons to Consider Ordinary Level Premium Whole Life Insurance

October 5, 2022 by STEPHAN R. LEIMBERG & KEITH A. BLOCK, J.D., LLM, CLU, FLMI

There are nearly 2,000 life insurance companies actively marketing life insurance coverage in the United States. Most of these companies … 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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