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The Intelligent Life Blog

Helping millions of Americans become educated
in making intelligent decisions around their life needs

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Decisions, Decisions: What to Consider When Choosing Life Insurance?

Mar 1, 2017 10:20:00 AM

It's never pleasant to discuss or even think about your own demise, but making legal and financial accommodations for your loved ones is just the right thing to do. In fact, putting the right measures in place to take care of loved ones after you're gone can ease the burden of these awkward conversations and give you some much-needed peace of mind.

One way to plan for these uncertainties is with a life insurance policy. If you've decided to purchase life insurance to protect your loved ones' financial future, you've made the right choice. You still have a few decisions to make, however. Here are several things to consider so that you choose the right insurance policy for your needs.

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The Two Sides of Universal Life Insurance

Oct 7, 2016 8:47:00 AM

Many people opt for life insurance coverage with a permanent life insurance policy as opposed to one that will expire in 10, 20, or 30 years. There are several choices in permanent life insurance, but one that provides the policyholder several options and a great deal of flexibility is universal life insurance. If you're searching for a life insurance policy that won't expire, here is some information about your universal life choices, the coverage benefits, and a few potential downsides.

Your Universal Life Insurance Policy Choices

Buying life insurance is a confusing proposition for many because there are just too many choices. Even if you decide that you want a universal life insurance policy, there are several types to choose from. For your life insurance comparison purposes, there is a standard universal life policy, a variable universal life policy, and an indexed universal life policy.

A standard universal life (UL) policy has two components, the death benefit portion that is similar to term insurance and a cash value component that accumulates at a minimum rate, with the potential for higher returns based on the insurance company's portfolio performance. A variable universal life (VUL) policy, also has a standard death benefit, but the cash value component can go up or down based on the policyholder's investment choices. Finally, indexed universal life (IUL) policies are gaining in popularity according to recent LIMRA numbers. These policies also have the standard death benefit, but the cash value is both tied to a major investment index and has a guaranteed minimum rate of return.
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Indexed Universal Life Insurance Explained

May 12, 2014 9:07:00 AM

If you’re shopping for life insurance, you’ve got plenty of options. From term life, to universal, to indexed universal life; which is right for you? Because we often hear from consumers who are interested in learning more about indexed universal life insurance, we’re taking a closer look at this type of coverage in today’s post.

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Universal Life: The New Approach to LTC

Jan 6, 2014 9:13:00 AM

A recent MetLife demographic study has revealed that baby boomers account for a whopping 27.5% of the US population. As more and more aging Americans and their families plan for the future, long term care (LTC) is a major concern. With healthcare costs on the rise, LTC is expected to skyrocket in the coming years, leaving many Americans to wonder how they will cover healthcare later in life.

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Everything You Need to Know About Universal Life Insurance

Nov 18, 2013 7:30:00 AM

If you’re currently comparing your life insurance options, it’s a good idea to understand the risks and benefits associated with universal life (UL). These rather complex policies have a lot to offer those seeking life insurance protection along with added investment opportunities. The flexibility of universal life insurance enables you to cover a variety of insurance needs with a single policy.

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3 Essential Healthcare Questions to Ask Before Retirement

Oct 7, 2013 8:04:00 AM

Planning for retirement can be both exciting and intimidating. There is so much to consider before you embark on the next chapter of your life. In today’s post we’re focusing on the three essential questions you should ask yourself before entering retirement. We urge you to consider each carefully.

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Protecting Yourself from the Rising Cost of Long Term Care Insurance

Sep 18, 2013 9:20:00 AM

If you, or a loved one, are part of the growing population of baby boomers facing rising Long Term Care (LTC) premiums, we urge you to take note of today’s post. This growing trend is impacting aging Americans from coast to coast.

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Putting the Fun in Buying Life Insurance

Jul 22, 2013 11:10:00 AM

Purchasing life insurance is a topic that many consumers find intimidating. Not only does it force us to consider our own mortality but it is often associated with aggressive sales techniques and time consuming application processes. At IntelliQuote we’re working to change this misconception, one consumer at a time. Through a variety of efforts including social media outreach and consumer education, right here on our blog, we’re working to put a new spin on the process of buying life insurance.

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