Business Insurance Agents

A term life insurance policy is often referred to as pure protection, since all you are buying is a death benefit. In a way you are renting protection for the term or life of the policy, say 10 years. If you die during that time, the policy will pay its death benefit.
To make a term [...]

I understand that the investment linked with whole life offers very little returns compared to real investments like mutual funds. Now I tried this online compound calculator http://www.math.com/students/calculators/source/compound.htm to see if mutual funds can really beat insurance "investments".
I placed the following data in the calculator:
Years: 40
Percent Yield: 12%
Initial Balance: $500
Monthly Contribution: $100
Final Balance: $1,235,801.11
Is this [...]

I would like to know limite year payment whole life (5years, 10yearss or 15years) VS VUL insurance, which one is better down the load and why? I don't consider term life in this point. the insuer age was 20 years old male. have 401k and roth IRA already.
male age was 30 year old, not [...]

I'm trying to buy life insurance for myself and my mother. I read up on this survivorship insurance which sounded pretty good since I wanted something for my mother if I were do die first and vice versa. but most of the online quotes I saw were between spouses…
But I got confused when I read [...]

1. What is the difference between a term insurance and whole life insurance policy? Which policy is suitable for what kind of people?
2. What are the "exclusions" for term insurance policies i.e. death because of “some” reasons (for e.g. suicide) that does not entitle for insured amount? What are other such reasons?
3. Does term insurance [...]

So for all of you Insurance experts- I have some questions for you!
I understand more about term insurance than I do about whole life. I understand that if I qualify that I can get a Term life insurance policy for a certain amount – for a certain number of years.
BUT with Whole life do you [...]

Hi Everyone. I just started a new career with the guardian insurance company last week. all I hear about is the debate with whole life verses term and investing the difference. I wanted to find out which one really was better for my clients. i did a little tests using the software that I get [...]