Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level as long as the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed2 for a variety of purposes while you’re still alive.

Credit score, location, condition of plumbing and electrical, vulnerability to wind damage/earthquakes/floods, claim history, replacement cost, dog breed, wood-burning stove, home-based business, remodeling, home liability limits, insurance score, marital status, age and construction of home, trampoline or swimming pool or hot tub, roof condition, proximity to fire station, square footage, number of inhabitants, area claim history, security systems and safety features, etc.
I read the comments about the topic of my article and I see that some responses touch on the "middleman" in ways that suggest some things about those who reside "in the middle." One plus for us "middle" people is that we get to hear things from carriers that those on the retail buying end may not ever hear. Sometimes, when dealing with us "middle" people, you get a behind the scenes look at things that may have a bearing on your coverage. With life insurance through a broker vs an agent, you get to know that impaired risk underwriting (for unhealthy applicants) has a particular kind of nuance. For instance, carriers may decline your application because they take on a set number of impaired risk clients, and then they decline those coming after that. You might think, after being declined, that what they are telling you is "you are done, no life insurance for you." But, what I know from experience is that another carrier or two have not hit the limit yet on declines - and that might be the avenue of approach to get you approved. As a broker, I know things that apply across a broad spectrum of carriers, not just the playbook of one carrier. As a result, the market intelligence of this "middleman" can improve the experience of buyers by finding a way forward for them that is outside the boundary of what a retail buyer might ever know. One thing that I did not mention in the article is that I have been both a captive and a broker, and the experience allows me to see the pluses and minuses in both. Thank you for your responses, and if you have a question about insurance of any type (my specialties are life, Health, Disability, and Annuities) you may post it at MoneyTips.com and let the professional community respond to it. It's free, harmless, informative, relatively instant, and a bunch of other good things, too.

Our Management Liability specialists average 15 years of experience in structuring risk management programs that protect against various types of executive risk and management liability. Strong relationships with insurance carriers and familiarity with current government legislation and case law mean we can effectively manage your risks in real time—an imperative in this ever-changing business environment.

Of all our top picks, The Hartford has the fewest number of discounts: three of them, to be precise, for bundling policies, home security devices, and retirees. But that doesn’t necessarily mean you’ll pay more for your home insurance. Just because a company offers 12 discounts doesn’t mean you’ll qualify for all (or any) of them, so it’s always worth comparing quotes instead of solely counting discounts.
There are several unique endorsements from Progressive that allow you to expand and customize your coverage. The Inflation Guard option is one, and the name is pretty self-explanatory: Your coverage amounts will adjust to match inflation rates. In the event you need to file a claim, you can rest assured knowing that rising market costs won't leave you insufficiently covered. If your home is decked out with fences, pools, and sheds, you can extend your home’s coverage to protect these items at no additional cost. You can also extend your personal liability and medical coverage with a watercraft endorsement to include motor boats and small sailboats.
Your best possible price equals a competitive initial quote, plus lots of opportunities to save. The most significant discounts, like those for owning a fire extinguisher or being claim-free, are offered by most providers. However, there are a few exceptional discounts that make certain providers a better fit for certain homeowners. For example: Allstate’s “new purchase” discount gives a small break to owners who are moving into their home for the first time. We tallied and compared the discounts offered by each provider to help us make personalized recommendations for different homeowners.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services, or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.


Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.

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Allstate earns its spot on our list by having the most discounts. Whether you want a price break for bundling, setting up automatic premium payments, or securing your home with burglar alarms and fire extinguishers, you can find a discount from Allstate. Unlike other providers, Allstate also has a “welcome” discount that lasts for your first two years, plus a discount for early shoppers who sign up before their current policy expires.
In the event of a disaster, it’s vital that you obtain the right amount of coverage — that’s what’s going to pay for your repairs and/or a full rebuild. Your coverage limits for personal belongings and other structures are related to the amount of coverage on your dwelling, so you’ll have better protection for all your property if you lift your dwelling limit. “If you have a mortgage, your lender may only require you to purchase a policy with enough coverage to protect their interest — particularly if you have a low balance,” says Christina Moore, a compliance and risk management VP at SWBC. “But in the event of a substantial or total loss, the cost of rebuilding your property could be much more, leaving you with potentially large out-of-pocket expenses.”

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Although insurance brokers work for their clients, they aren’t paid by them. Instead, they make commissions based on their sales. The commission is a percentage of the premium cost and varies by state law. It usually is between two and eight percent of the premium. If you work with a broker to buy homeowners, automobile, health, business, life or any other type of insurance, you will not pay them a fee for the services they provide.

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