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@tv0689 Ridiculous. All insurance products have pros and cons. IUL' s can be a good option if whole life is pricey. It is very much dependent on the carrier you are dealing with. Alot of folks don't like term but it has some pros depending on someone's situation. Bottom line get that financial...

@tass Insurance broker is your best bet. They will shop around for your best rates. Heart murmur is a non issue if you are willing to do a medical .you will get a better rate with a medical than non medical. I know alot of folks dont like to have a medical but it would get you a better rate if...

@sunshine More Carriers are able to not subject applicants to medical exams because they are able to pull information from the MIB and a prescription history. If something comes back, questionable more will be required up to a medical exam. Underwriters are qualifying applicants and the...