For a lot of years the state of New York was almost anti social about life insurance. Difficult to the point where a large number of very good life insurance companies that do business in every other state wouldnt jump through the hoops required in New York. And consumer unfriendly, oh my gosh. If you [...]

If youre in your 30s life insurance backdating is not an issue that you probably need to know about or even consider simply because, at your age, the cost of insurance doesnt change much, if any, from year to year as you get older. Not so when youre talking about vintage over 50 life insurance [...]

What is Level Term Life Insurance? Level term insurance is temporary life insurance that provides coverage for a specific number of years, usually 5, 10, 15, 20, or 30 years. Level life insurance offers you rates and coverage that are guaranteed to remain the same for the entire term of your policy. For Example: If [...]

HIV Life Insurance used to be an option that just did not exist for people infected with the HIV virus. Many life insurance companies do not have enough information to make a fair assessment of the risk, to properly underwrite the risk of insuring people with HIV for life insurance. A study performed by the [...]