Specialized life insurance search

2+ day, 15+ hour ago (477+ words) American General Life Insurance delivers a range of life insurance products, including term life, whole life and universal life policies. Founded in 1926, the company offers flexible coverage options for individuals and families. Reviewed Nov. 21, 2025 I am 76 years old and live in Texas. I have had a policy with AGI since April 1992 and paid all my premiums on time. In April 2023 I was first notified that I had to pay $583 or my policy would lapse. I contacted AGI. Was told that it was due to not enough cash value in the account. I truly didn't think too much of it and paid it to keep my policy in force. Reviewed Nov. 17, 2025 I have whole life insurance policies with 4 different companies. AGI is the only one that raises premiums ever 3-4 years and policy never has cash value. This company has made many…...

2+ day, 20+ hour ago (78+ words) Nef El Bey, founder of Insured By Nef and expert with C & K Healthcare Advisors, shares how life insurance can be a powerful act of love and security for your family, while breaking the stigma around discussing it. Nef El Bey, founder of Insured By Nef and expert with C & K Healthcare Advisors, shares how life insurance can be a powerful act of love and security for your family, while breaking the stigma around discussing it....

3+ day, 10+ hour ago (55+ words) The Exeter has added its Real Life product to iPipeline's newly launched Advanced Underwriting adviser platform. The Exeter adds life insurance product to iPipeline platform follow us on social The Exeter has added its Real Life product to iPipeline's newly launched Advanced Underwriting adviser platform. Read the full story with a free account...

4+ day, 9+ hour ago (326+ words) For most people who just want to protect their family and keep premiums low, a term plan usually makes more sense. Whole life insurance becomes relevant only when you have very specific needs, such as legacy planning, a lifelong dependent, or a high, stable income. To choose properly, you need to be clear about what each product actually does for you. What is a Term Plan What is Whole Life Insurance# It offers coverage up to a very high age, typically 99 years, instead of a fixed 2030 year term. As long as you keep paying premiums, your family is eligible for a payout whenever you pass away, even if that happens at 80 or 90. Whole life insurance can also include a savings or bonus component. Over time, the policy builds a cash value or bonuses that add to the eventual payout, and…...

4+ day, 22+ hour ago (490+ words) Life insurance is a contract where you pay regular premiums to an insurer. In return, the insurer promises to pay a lump sum (sum assured) to your nominee if you pass away during the policy term or on maturity in certain plans. Think of it as buying a financial guarantee for your family. Instead of your income, the insurance payout steps in and takes care of important expenses like EMIs, rent, school fees and day-to-day living costs. In India, a life insurance policy can also often combine protection with savings or investment, depending on the type of plan you choose. How Life Insurance Works When you look at the details of, say, a postal life insurance plan, or any other life cover, you usually choose three basic things at the start. Based on your age, health, lifestyle and chosen cover…...

1+ week, 2+ day ago (525+ words) With changes to many tax laws looming at the end of the year, a life insurance settlement could provide an opportunity for clients to not only donate to a charity but also reap tax savings under current rules. But selling a policy on the secondary market before redirecting the proceeds to a charitable donation is just one way to use a settlement, according to Doug Himmel, a managing partner with Melville Capital, an advisory practice that represents policy sellers in deals with institutional investors and other buyers." The transactions can also enable policy owners whose life insurance needs (or ability to pay their premiums) shift to sell the contracts for a lump sum. However, industry regulators frequently point out the risk from predatory bad actors in the market, as well as the concern that sellers may rush into a deal…...

1+ week, 2+ day ago (1768+ words) Life Insurance " It's for the Living If you're reading this post, you survived the Thanksgiving holiday " hopefully, without much family drama.[i] Then again, there may have been moments, inspired by an overload of obligatory togetherness, that caused you to think about life insurance, either on your own life or on that of another.[ii] Coincidentally, a recent decision of the U.S. Tax Court considered the situation of a Taxpayer who, about thirty years before the taxable year at issue, purchased two whole life insurance policies, one on the life of each of their two young children.[iii] Query: was Taxpayer planning ahead for some future Thanksgiving "holiday" on which one of the pampered ingrates will finally cross the line from being just disagreeable to being downright hateful? Not quite. As we'll see shortly, Taxpayer may not have been thinking along…...

1+ week, 5+ day ago (293+ words) The most popular form of private pension provision in Germany will offer stable interest rates next year. Allianz, Germany's largest life insurer, is leaving the total interest rate on its policies unchanged for the coming year at 3.5% for traditional policies and 3.8% for newer policies with reduced guarantees. "We are maintaining our overall interest rate at a high level," Volker Priebe, member of the board of Allianz Leben, said on Monday. "This is a sign of stability in a challenging environment." With 10.7 million customers and 14 million policies, the Munich-based DAX-listed company is the German market leader in life insurance. Although German industry has been caught in a prolonged crisis for several years, the financial sector has benefited from the end of the years-long zero interest rate phase over the past two years. The total interest rate on life insurance policies consists…...

1+ week, 5+ day ago (343+ words) Monday, 01 Dec 2025 (From left) Allianz Life Insurance Malaysia chief sales officer Raymond Cheah, Allianz Malaysia Bhd chief market management officer Amy Loke, Astro TV host and news anchor Siow Hui Mei and Allianz Life Insurance Malaysia chief product officer Ooi Haw Yun during the official launch of AssuredLove. ALLIANZ Life Insurance Malaysia Bhd has officially announced the rollout of its latest protection innovation, AssuredLove. Thoughtfully tailored with care for Malaysians through every stage of life, the policy was curated with a vision that extends beyond a lifetime. It offers staggered death benefits with interest valuation over subsequent instalments and zero activation cost. Built on the belief that "moments may pass, but your love lives on, the plan aims to empower Malaysians with greater flexibility, peace of mind and value in their legacy planning by streamlining the complicated and lengthy estate…...

1+ week, 5+ day ago (1012+ words) The recent goods and services tax (GST) exemption on life insurance premiums has reshaped the industry's cost structure, delivering immediate relief to customers but placing a financial burden on insurers. Aditya Birla Sun Life Insurance Kamlesh Rao managing director and chief executive officer says the move has made policies significantly cheaper yet the removal of input tax credit has created a hit to margins. In an interview to Moneycontrol, Rao explains the impact of GST on insurers , the proposed 100 percent FDI and what Bima Sugam could mean for competition and customer experience. Edited excerpts of the interview: The GST exemption on life insurance premiums is a major shift. How has the industry absorbed this change?" GST was made exempt for policyholders, reinsurance GST was also exempted but GST on agency services, which form the backbone of life insurance distribution, was…...