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.

Life Insurance Settlement Options

Written by Ty Stewart

A settlement is the way your life insurance policy proceeds are paid. There are many life insurance settlement options that can be confusing at first; your policy may pay out a lump-sum cash payment, life income, a fixed amount, or interest paid periodically. As a policyholder, you can usually choose the settlement method you prefer although your beneficiary may….

Final Expense Life Insurance

Written by Ty Stewart

Before you buy a policy, make sure you calculate how much your funeral will cot to ensure you get enough coverage to protect your family. The average funeral in 2015 costs between $8,000 and $12,000 so it may be wise to get a policy for at least $15,000 in coverage. You may also want additional coverage to help….

How Does Life Insurance Work?

Written by Ty Stewart

Life insurance to put it simply, is protection for those who depend upon you financially. If you die prematurely, life insurance products will provide them a sum of money to replace your lost income. You may see….

What Is the Difference Between Term and Permanent Life Insurance?

Written by Ty Stewart

You purchase insurance for a specific “term” which typically ranges from 10-30 years. This is pure life insurance. You are paying your money (premiums) in return for financial protection in the event of your death. That financial protection comes in….

Life Insurance and Marijuana: How to Pay Cheap Rates

Written by Ty Stewart

What’s the big deal, it’s just a little weed, right? Can I still get affordable life insurance rates if I smoke pot? Lucky for you, the answers to those 2 questions are pretty favorable these days. In this article, we’ll explore everything you need to know….

Life Insurance Child Riders: Everything You Should Know

Written by Ty Stewart

A child rider allows you to add life insurance for your child onto your basic policy. While no one wants to ever think of losing a child, the situation does result in financial consequences along with the emotional devastation….

Life Insurance with Colon Cancer: 8 Things you MUST Know

Written by Ty Stewart

Not all that long ago, a diagnosis of colon cancer virtually guaranteed an automatic decline when applying for life insurance. Times have changed, so that’s no longer the case….

Life Insurance for Skydivers: Jump for Affordable Rates

Written by Ty Stewart

When you are an extreme hobbyist, and the thought of jumping out of an airplane at 12,000 feet going 115 mph makes you jump for joy, it may be a little difficult to see an insurance company’s point of view on skydiving….

Life Insurance Options for Grandchildren

Written by Ty Stewart

You’ve already given so much to your grandchildren and have impacted their lives in more ways than you can know. Long after you’re gone, the memories and legacy you’ve created will live on forever. What better way to add to that legacy than giving the gift of….

Life Insurance with Drug History: Hope Exists for Low Rates

Written by Ty Stewart

If you currently use illicit drugs or have used in the past, you might be wondering how this will affect your application for life insurance. Maybe you’ve already applied for life insurance but got declined because of your drug history….

Life Insurance for Special Needs Children: A Difficult Topic

Written by Ty Stewart

What some parents really struggle with when thinking about purchasing life insurance for special needs children is the possibility that they might live longer than their child. No parent wants to even fathom the thought that they might outlive their child. However, depending on your child’s disability….

Life Insurance for Diabetics: Factors That Affect Rates

Written by Ty Stewart

Here’s what you need to remember: approval for a policy and the rate you qualify for depends on how controlled your diabetes is. Most life insurance companies will want to see your diabetes stable and well-controlled for at least 6 to 12 months….