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Learning Center
Life insurance can be confusing! But we have resources available to help you navigate and find the best coverage for you here in our Learning Center.

Final Expense
Final Expense is designed to cover the costs associated with a person’s funeral, burial, and other end-of-life expenses. A Final Expense policy can be a good choice for older individuals who want to lessen the financial burden on their loved ones after their passing.
This specialized type of life insurance offers a lower coverage amount than traditional life insurance, and age limits are often higher — up to 85 with some policies. Qualifying can be simpler with a few health questions and little


IUL vs. Term vs. Whole Life Insurance: Which Is Right for You?
Choosing the right life insurance policy can feel overwhelming, especially with so many options available. Three of the most common choices are Indexed Universal Life (IUL), Term Life Insurance, and Whole Life Insurance. Each serves different needs and goals—whether you’re focused on affordability, lifelong protection, or building wealth over time. Let’s break them down.
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Life Insurance for Stay-at-Home Parents: Why It’s Essential
Stay-at-home parents need life insurance too. Learn why coverage matters and how to calculate the right amount for your family. Many families overlook life insurance for stay-at-home parents because they don’t earn a traditional salary. But their contributions—childcare, household management, transportation—are extremely valuable . If something were to happen, replacing those services would be costly. Why Stay-at-Home Parents Need Life Insurance Childcare Costs: Full-time c
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The Tax Benefits of Life Insurance Explained
Life insurance is often seen as just protection for loved ones—but it also offers significant tax advantages . From tax-free death benefits to tax-deferred cash value growth, life insurance can be a powerful financial planning tool. Key Tax Benefits of Life Insurance 1. Tax-Free Death Benefit Life insurance payouts to beneficiaries are generally tax-free . This ensures your family receives the full amount without IRS deductions. 2. Tax-Deferred Cash Value Growth Permanent pol
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Life Insurance for Single Adults: Do You Really Need It?
Many single adults believe life insurance is unnecessary since they don’t have dependents. However, life insurance isn’t just for families—it can play a vital role in covering debts, protecting co-signers, and even leaving a legacy. Why Single Adults May Need Life Insurance 1. Covering Debt If you have private student loans, credit card balances, or a mortgage, life insurance can ensure your co-signers or loved ones aren’t left with the bill. 2. Funeral & Final Expenses The a
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Life Insurance for Seniors: Coverage Options After 65
Life insurance isn’t just for the young—it’s a valuable tool for seniors too. Whether you’re 60, 70, or older, life insurance can provide peace of mind by covering final expenses, protecting your spouse, or leaving a legacy for your family. While premiums are higher with age, seniors still have strong coverage options. Why Seniors Need Life Insurance Cover final expenses such as funeral costs (avg. $8,000–$12,000). Protect a spouse’s lifestyle after your passing. Pay off de
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The True Cost of Whole Life Insurance in 2025
Why Whole Life Insurance Matters Whole life insurance is more than just a policy—it’s a lifelong promise of protection. Unlike term life insurance, which expires after a set period, whole life coverage is permanent and guarantees both a death benefit and cash value growth. But many people wonder: How much does whole life insurance cost in 2025? In this article, we’ll break down the average monthly rates, explain what impacts your premiums, and help you determine whether whole
2 min read
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