Ty Stewart headshot - Founder of SimpleLifeInsure.com

About Ty Stewart

Ty Stewart is the founder of SimpleLifeInsure.com and an independent life insurance agent serving clients in all 50 states. He is the lead writer and editor for the website content. His articles draw upon industry knowledge and experience working with clients and life insurance companies.

University of California Los Angeles (UCLA) studying Business Economics.

Professional Licensing:

State resident license: California - 0K53393

Additional non-resident licenses held in 50 states.

Industry Expertise:

Ty's insight and analysis into the life insurance industry have been quoted in publications such as BusinessInsider.com, ThinkAdvisor.com, and InsuranceNewsNet.com. He is a regular guest contributor discussing insurance topics on BestLifeRates.org and LifeInsurancePost.com.

Prudential No Exam Life Insurance Review

Written by Ty Stewart

Quick Summary: Prudential is one of the strongest companies selling life insurance. Their SimplyTerm no exam policy has an online application and a quick decision process. Only very healthy people will qualify and the pricing is a little high. It is a stripped-down self-service policy that even the Prudential agents cannot help you with. Worth.. More

Life Insurance Company Rating Agencies

Written by Ty Stewart

You may have heard or seen different scores or ratings such “B++” or “Aa2” describing life insurance carriers. But what do they mean exactly and should you care? We’ll break it down. Table of Contents What Do Life Insurance Company Ratings Mean?Where To Find The ScoresA.M BestMoody’sFitchStandard & PoorsComdex Insert Content Template or Symbol What Do Life.. More

Should I Buy Life Insurance at Costco?

Written by Ty Stewart

Update: As of September 2019, Costco/Protective are no longer offering the universal life plan, Member Advantage Life UL Insurance. This article will discuss and review only the Member Advantage Life Term GS. Quick Summary: Costco doesn’t offer its own life insurance, the policies are underwritten and issued by Protective. Applicants must qualify medically and Protective.. More

High-Risk Life Insurance Client Approval Process

Written by Ty Stewart

You may have heard it’s hard to be approved for life insurance if you are considered a risk. You may have already been declined for coverage and searching for help. You may be wondering what the heck is actually considered “high-risk” life insurance? These questions will be answered plus a proven plan to get you approved at the lowest.. More

Best Life Insurance for Seniors Over 80: What Are Your Options?

Written by Ty Stewart

Like many senior citizens, if you are over 80 and have decided to look into purchasing life insurance, it is likely to be an intimidating thought. You do not want to pass on any financial burden to your family, which is admirable. Funeral and burial expenses, medical expenses for numerous health problems, and other financial obligations need.. More

Term Life Insurance for Seniors Over 70: What They Don’t Tell You

Written by Ty Stewart

Whether or not your life insurance policy will actually cover you for your entire life is not something that you should have to worry about. Especially when you’re over 70. You may have felt safe and secure in your life insurance policy when you first purchased your term life insurance plan in your 30s or 40s and.. More

Banner 40 Year Term Life Insurance Review – Is It Worth It?

Written by Ty Stewart

Legal and General America, the parent company of Banner recently announced they will now sell term life policies for 35 and 40 years lengths. Until now, only…

Protective Life Insurance Company Review

Written by Ty Stewart

Quick Summary: Protective Life is a strong company that offers both term and permanent life insurance coverage. Their policies are affordable, and are a great fit for people who are in the preferred health class.  They also offer superior life insurance rates to people with pre-existing health conditions such as high blood pressure and heart rates,.. More

Replacing a Life Insurance Policy

Written by Ty Stewart

Quick Summary: Obtaining life insurance is actually easier than you might think. The same can be said about replacing an existing life insurance policy. Never cancel your old policy until the new one is confirmed to be in force. When it comes to replacing an existing life insurance policy, there are a few things you want.. More

How to Get the Most Out of Your Life Insurance Policy – Tips for Buyers

Written by Ty Stewart

Life insurance coverage can be a bit hard to navigate when you are first looking for coverage. With so many options between policies, companies, rates, riders, agents, and more, it can quickly feel as if you are falling down the rabbit hole even when all you are doing is looking for quick life insurance coverage… More

Life Insurance for Business Owners – Policy Options

Written by Ty Stewart

Quick Summary: Finding affordable life insurance for business owners is easier than you may think. We recommend that business owners secure both personal and business life insurance in order to protect their family and their business in the event of their death. There are many types of business insurance options out there. Companies with company cars,.. More

Using Life Insurance For Collateral Assignment

Written by Ty Stewart

The most common way that life insurance policy protects you and your loved ones is by providing financial support to your family in the event of your untimely death. In some situations, life insurance serves to replace lost income with death benefits, in others, life insurance can be used to pay off remaining debts and.. More