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 Wholesale Insurance Home

• + -  Life insurance
  • + -  Types of life insurance
    • + -  Term vs. Permanent
      • + -  Term life insurance
        •  Return of premium (ROP) life insurance
        •  Annual renewable term (ART) life insurance
      • + -  Permanent life insurance
        • + -  Whole life insurance
          •  Modified premium whole life insurance
          •  Graded premium whole life insurance
          •  Cash value in whole life insurance
        • + -  Universal life insurance
          •  Variable universal life insurance
          •  Flexibility in universal life insurance
          •  Cash value in universal life insurance
    • + -  Specific purpose
      • + -  Business life insurance
        •  Key man life insurance
        •  Buy-sell life agreements
        •  Group life insurance
        •  Split-dollar life arrangements
        •  Deferred compensation plans
      •  Credit life insurance
      •  Quick issue life insurance
      •  Mortgage life insurance
    • + -  Special risk
      •  Smoker life insurance
      •  Senior life insurance
      • + -  No exam life insurance
        •  Simplified issue life insurance
        •  Guaranteed issue life insurance
        •  Graded benefit life insurance
      • + -  High risk life insurance
        •  Cancer and life insurance
        •  Diabetes and life insurance
        •  Heart disease and life insurance
        •  Dangerous activities and life insurance
    • + -  Other features
      •  Participating life insurance
      •  Variable life insurance
      •  Adjustable life insurance
      • + -  Life insurance for multiple insureds
        •  Group life insurance
        •  Survivorship life insurance
  • + -  Life insurance information
    • + -  Life insurance 101
      • + - Why life insurance?
        •  Many purposes of life insurance
        • + -  Real life stories
          •  Susan Stantham
          •  Katie Matthews
          •  Robert Thompson
          •  Dorsey Hoskins
          •  Brian House
        •  How to...
      • + -  The application process
        •  Obtaining your life insurance quote
        •  We call to verify your information
        •  The life insurance application
        •  The life insurance medical exam
        •  Underwriting your life insurance application
        •  Issuing your life insurance policy
        •  Why underwriting takes so long
        •  When your quote becomes your price
      • + - Components of a life insurance policy
        •  Quotes
        •  Health classification
        • + -  Premiums/Rates
          •  Determining rates
          •  Varieites of premium
          •  Premiums unraveled
        • + -  Cash value
          •  Cash value in whole life insurance
          •  Cash value in universal life insurance
          •  Cash value in variable life insurance
        • + -  Death benefits
          •  Death benefit options
          •  Death benefit payment options
          •  How much life insurance is enough?
        •  Riders
        • + -  Taxes
          •  Federal limits
    • + -  Shopping tools
      • + - How to...
        •  How to shop for life insurance
        •  How to choose a death benefit
        •  How to choose a life insurance agent
        •  How to choose a life insurance agency
        •  How to choose a life insurance carrier
        •  How to use life insurance for estate protection
        •  How to use life insurance for retirement planning
        •  How to use life insurance for business protection
        •  How to use life insurance for mortgage protection
      • + - How much
        •  Life insurance needs calculator
        •  Calculating business life insurance needs
      • + - Why choose Wholesale Insurance
        • + -  Our unique insurance ability
          •  You come first
          •  You get the best price for the best policy from the best life insurance companies
          •  You get high quality service
          •  You get high tech service
          •  You choose our involvement
          •  We represent you, not the life insurance companies
          •  You get our underwriting expertise
        •  Testimonials
        •  Life insurance companies at Wholesale Insurance
      • + -  Consumer reports
        •  Circle of safety
        •  Why is life insurance more for a smoker?
        •  Is it safe to buy life insurance online?
        •  Are you underinsured?
        •  Are you underinsured? (cont'd)
        •  Why your quote doesn't really matter...
        •  Avoid overpaying for your life insurance
        •  How to NOT overpay for life insurance
        •  Why is senior life insurance more expensive?
        •  American families at risk
        •  7 inside secrets to save big money on your life insurance
    •  FAQ
    •  Dictionary
    •  Medical glossary

• Life Insurance Types:
• Life Insurance
• Return of Premium Life Insurance
• Term Life Insurance
• Universal Life Insurance
• Whole Life Insurance

• Term Life Insurance Types:
• High Risk
• Mortgage
• No Exam
• ROP
• Seniors
• Smokers

• No Exam Life Insurance Types:
• Guaranteed Acceptance
• Guaranteed Issue
• No Medical Exam

• Permanent Life Insurance Types:
• Graded Benefits
• Universal
• Whole

• Business Life Insurance Types:
• Buy / Sell
• Key Man
• Key Employee

• Life Insurance Tools:
• Life Insurance Calculator

• Life Insurance Information:
• Information and Research Library
• Understanding Quotes vs. Rates
• What Affects My Quote
• The Application Process
• Frequently Asked Questions

• Other Life Insurance Resources:
• Life Insurance Dictionary
• Life Insurance Medical Glossary
• Consumer Reports