Michael Horbal

Learn the essentials of life insurance, including underwriting, coverage types like term and whole life, and factors affecting rates to make an informed decision.

Wondering how much life insurance you need? Our guide covers key factors to consider, from income and debts to family goals. Find the right coverage amount to protect your loved ones and ensure financial security.

Term life insurance offers affordable coverage for a set period. Learn how to find the best rates and secure financial protection for your family.

Explore the flexibility and potential cash value growth of universal life insurance. Learn how it combines life coverage with investment opportunities for long-term financial security.

Whole life insurance provides lifelong coverage and builds cash value. Learn about policies, riders, dividends, and how it compares to other life insurance options.

Learn how to choose your life insurance beneficiary, avoid mistakes, and ensure your policy benefits are passed on according to your wishes after your passing.

Life insurance riders offer customizable coverage options like accelerated benefits, accidental death, and long-term care, enhancing policies with additional protection for various life events.

Explore life insurance settlement options like lump-sum payout, fixed income, and life income options. Choose the best payout method for your beneficiary’s needs.

Compare group vs. individual life insurance, explore benefits like no medical exams, and learn the pros and cons of coverage tied to employment versus personal policies.

Understand the life insurance paramedical exam process, what tests are performed, and tips for a successful exam. Learn what to expect and how to prepare.

Learn about the Medical Information Bureau (MIB), its role in life insurance applications, and how it affects underwriting and reporting medical history to insurers.

Explore the benefits of 40-year term life insurance, including long-term coverage, affordable premiums, and comparisons with 30-year terms. Learn if it’s the right choice.

Learn about collateral and absolute life insurance assignments, how they work for loans, estate planning, and transferring ownership, plus tips for a smooth process.

Explore how to qualify for a $5 million life insurance policy, costs, options like term and whole life, and the best companies for high-net-worth individuals.

Maximize your pension with life insurance options like term, universal, and whole life. Learn how pension maximization boosts retirement income and protects your spouse.

Discover life insurance options for foreign nationals in the U.S., including eligibility, coverage types, and tips for navigating requirements and underwriting challenges.

Instant life insurance offers fast, online approval without exams. Learn about coverage options, pros, cons, and how to qualify for quick protection today.

Learn how to qualify for a million-dollar life insurance policy, explore coverage options, costs, and the best companies offering high-value life insurance policies.

Survivorship life insurance provides coverage for two individuals, paying out after both pass. It’s useful for estate planning, business succession, and lowering premiums.

Ensure your partner’s financial security with spouse life insurance. Learn how much coverage to get, types of policies, and why it’s essential for long-term planning.

Learn how life insurance secures SBA loans, including options for collateral assignment, policy types, and tips for choosing the right coverage for business loans.

Learn how life insurance impacts divorce agreements, including ownership rights, beneficiary changes, settlement options, and underwriting to ensure proper coverage in a divorce situation.

Protect your business with key person life insurance. Learn about coverage options, including term and whole life, and ensure financial security for critical employees.

Explore how to qualify for $500K life insurance with no medical exam. Learn about fast approval, eligibility, and coverage options for term and whole life.

Explore AICPA life insurance options for accountants, including group coverage, premiums, and benefits. Learn how it compares to individual policies for better coverage and rates.

Don’t rely on GoFundMe for life insurance. Explore the importance of proper coverage, costs, and benefits of life insurance over crowdfunding for final expenses.

Learn how marijuana use affects life insurance eligibility, premiums, and underwriting. Discover tips for securing coverage as a marijuana user with honest disclosure.

Discover how weight and BMI affect life insurance rates. Use a weight chart to find optimal coverage options and understand how insurers assess health risks.

Learn how your family medical history affects life insurance rates. Discover ways to improve your chances of securing affordable coverage despite hereditary conditions.

Learn how to choose the right life insurance as a police officer. Understand coverage options and the importance of supplemental policies for your family’s security.