Equitable Life offers a Participating Whole Life policy called Equimax. Participating Whole Life insurance offers guaranteed cash values and dividend values. This differs from Non-Participating Whole Life policies, which just offer guaranteed values.

The following are five benefits of an Equitable Life Participating Whole Life policy:

1. The plan is available in Life-Pay or 20-Pay options.

2. Equitable Life had paid a dividend each year since 1936 and their dividends continue to be strong, even in a low interest rate environment.

3. Read more…

I just completed judging more than 40 of the nearly 1,500 total applications that the LIFE Foundation received this year from college-aged kids applying for over $100,000 of scholarship funds.

Each year, LIFE solicits applications for its LIFE Lessons Scholarship Program. The applicants submit stories about how one or both of their parents died with no life insurance in place (or not enough life insurance).

The judging is absolutely gut-wrenching.

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Whats your excuse for not having life insurance?

If your excuse is: Im young and in good health, so I dont need to think about it, yet

… then Tara Newby would probably disagree with you. Her husband, Preston, was just 24 when he died, leaving her a widow with two small children. Watch her story here.

If your excuse is: Im a stay-at-home parent, so were better off just buying insurance on my spouse who works

… then Nicolas Virgen has a message for you. He says that purchasing life insurance for his wife, Teresa, a stay-at-home mom, was the best decision they ever made. Wat

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No exam insurance can be pretty easy to get in today’s world. It used to be that most life insurance policies, especially after age 40, were obtained after a rigorous medical examination. If the policy was large enough you would need more than one examination which may include blood or urine tests. People are taking better care of themselves and as a result life insurance companies issue policies after you answer a few questions truthfully about your family history and your medical history. They issue a no exam insurance policy, sometimes right there online.

These no exam life insurance policies are really designed for the person who is very aware of their need for life insurance but really doesn’t have the time to get a medical examination done.

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