All Posts By Bennett Bier

I’m Bennett Bier, owner, author and fact checker of Simple Life Insure. I believe working with a small independent broker offers consumers more personal attention and superior customer service. As an independent agent licensed in all 50 states and the District of Columbia I have access to many of the top A+ rated life insurance carriers. This lets me locate a plan that you will qualify for while saving you money at the same time. Over the years I have mastered the art of underwriting, getting approvals even for my highest risk clients. I’m also likely the person that will answer the phone when you call.

Banner Guaranteed Universal Life Insurance Review – Life Step

We constantly update our guide to the best guaranteed universal life companies HERE. Banner scores towards the middle. Quick Summary: Banner's GUL life insurance policy leaves a a bit to be desired. The pricing is high and the options are limited. Banner underwriting is favorable for some specific health issues so may be worth considering…

Review: Mutual of Omaha – Guaranteed Universal Life Insurance

MOO just misses the top 5 in our updated 2023 guide: Best Guaranteed Universal Life Insurance (GUL) Companies. Quick Summary: Our experience tells us that Mutual of Omaha's guaranteed universal product is a strong option for many clients. You can find cheaper pricing but the value is excellent including an option (your choice) to refund…

Review of the Protective Advantage Choice Universal Life Insurance Policy

Protective grades out very highly vs the other guaranteed universal companies in our 2025 guide. Quick Summary: In our opinion, Protective offers an excellent universal life option. You are getting coverage from a super strong company that has been around a long time. The policy includes great options and flexibility at no additional cost. If…

AIG (American General) Guaranteed Universal Life Insurance Review

AIG (Corebridge) is currently ranking as one of the top gul carriers on our list of best guaranteed universal life insurance companies. See the full guide here. Quick Summary: AIG has one of the top guaranteed universal life insurance policies on the market right now (2023). American General is a trusted name, on a strong…

Pros and Cons of Guaranteed Universal Life Insurance

A GUL policy secures permanent coverage but without the high cost and complexity that comes with regular universal life insurance. They are a nice middle ground between universal and term life insurance...

Comprehensive United American Life Insurance Review [Pros and Cons]

United American life insurance isn’t one of the larger, more diverse insurance providers. The product line is extremely limited, which means it will appeal to a comparatively small market segment. It will not be suitable to the general insurance market, where other companies are stronger and more aggressively priced.

Kemper Life Insurance Review

Kemper offers the full range of insurance policies for all of your personal needs. What they lack however are related products, such as investment and retirement services and products. And unlike most large insurance companies, they don’t...

How to Buy Life Insurance With Chronic Back Pain

Life insurance underwriters will view the application of someone whose back pain is caused by a serious health problem such as cancer very differently than someone with an overuse injury. Those differences directly impact rates, lead to denials, and are the reason for...

How to Buy Life Insurance After A Heart Stent Procedure

One question we’re regularly asked is how to buy life insurance after a heart stent procedure. New clients are often worried that they missed their chance to buy life insurance or the cost will be out of reach once faced with the reality that they need it. We’re always happy to tell people that

Unbiased Life Insurance Review of TIAA

As part of our commitment to help our clients purchase the best life insurance at the best rates, we provide unbiased life insurance reviews. Here we review TIAA, or TIAA Cref, as it was formerly known. This review will cover their company information, types of....

Can I Get Life Insurance if I Have Scleroderma?

As with any preexisting disease, life insurance companies are going to take a careful look at your application. The truth is, qualifying for coverage is going to be harder than if you were in perfect health. Understanding how...

An Unbiased Columbus Life Insurance Review

For example, Columbus Life sells insurance to a few niche markets, including marijuana users, but perhaps they don’t sell to someone with a certain preexisting health condition. We are familiar with the underwriting guidelines at...