All Posts By Ty Stewart

Ty Stewart is a founder and contributor of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent he has helped clients nationwide to secure affordable coverage while making the process simple.

Protective Life Insurance Company Review

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, and…

Replacing a Life Insurance Policy

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…

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

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.…

Life Insurance for Business Owners – Policy Options

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,…

Using Life Insurance For Collateral Assignment

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…

Is Life Insurance Through Your Work Enough?

We have all had a job that offers life insurance coverage. Is it a good idea? Yes and No. We’ll explain why… On the surface, it seems like a nice gesture, and a great way to get some solid life insurance coverage if you do not have any. However, there are occasions where life insurance…

Using Life Insurance to Maximize Your Pension Benefits

As you get closer to retirement you might try to simplify your life by simply getting rid of the things that you don’t need anymore. You might stop contributing to your 401k plan. If your kids are grown up you might take a look at your household expenses and consider a less expensive home. You…

Best Guaranteed Universal Life Insurance (GUL) Companies

Companies change every year. The products and policies they offer change as well. (we update this article constantly) And the right GUL company for one person's needs will be totally different from the best carrier for someone else. This is due to financial and legacy planning as well as...

How Does Your Family History Affect Life Insurance Rates?

Quick Summary: Life insurance rates for people with a family history of health conditions vary widely based on the type of conditions their family members had, what age they developed them, and if any other complications or death have arisen from these conditions. Some carriers will weigh family history more heavily than others during the underwriting…

Best Term Life Insurance Companies for 2025 – SimpleLifeInsure

Insert Content Template or Symbol If you are looking for top-notch term life insurance, you have many reputable companies from which to choose. In this article, we outline the 10 best term life insurance companies as it stands now, today. This list is updated constantly. It is based on our findings that come from working directly with…

Life Insurance for People with Bipolar Disorder

National Institute of Mental Health (NIMH) states 4.4% of all American adults will receive a bipolar diagnosis at some point in their lives. This may seem like a small group of people until you actually do the math. NIMH’s statistics mean more than 10 million Americans live with a bipolar diagnosis. Each of these individuals…

Guaranteed Universal Life Insurance with Cincinnati Life

See our unbiased rankings breakdown of all the top guaranteed universal life insurance companies for 2020. Quick Summary: Cincinnati Life's GUL product has very competitive pricing, especially for women. Qualifying can be difficult and their underwriting process is lengthy and exhaustive. A stripped down policy that does not contain good riders. Table of Contents About the…