{"id":24,"date":"2026-09-21T15:00:00","date_gmt":"2026-09-21T15:00:00","guid":{"rendered":"https:\/\/www.arkgroupinsurance.com\/blog\/2026\/09\/21\/life-insurance-coverage-cost-and-benefits\/"},"modified":"2026-09-21T15:00:00","modified_gmt":"2026-09-21T15:00:00","slug":"life-insurance-coverage-cost-and-benefits","status":"publish","type":"post","link":"https:\/\/www.arkgroupinsurance.com\/blog\/2026\/09\/21\/life-insurance-coverage-cost-and-benefits\/","title":{"rendered":"Life Insurance Coverage, Cost and Benefits"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/shannon-bullock\/north-american-insurance-remotion-videos-fe7a\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>US insurer sold term and indexed universal life coverage. Term pricing ran above avg. for most buyers but better at 60 and 70.<br \/>\nUS term options included 10, 15, 20, and 30-yr periods, renewable to age 95. Minimum coverage was $100K, with quotes online but purchase through agents.<br \/>\nIncluded living benefits let policyholders access death-benefit funds for eligible critical, chronic, or terminal illness. Other riders covered children, disability waivers, guaranteed insurability, and accidents.<br \/>\nPermanent policies looked less competitive, with lower marks for illustration reliability, internal charges, and early cash-value access. US indexed options tied growth to market indexes.<br \/>\nStrength stood out: complaints were under half the industry avg., and the insurer held an A+ rating. Buyers also faced a shorter term conversion window.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>US insurer sold term and indexed universal life coverage. Term pricing ran above avg. for most buyers but better at 60 and 70. US term options included 10, 15, 20, and 30-yr periods, renewable to age 95. Minimum coverage was $100K, with quotes online but purchase through agents. Included living benefits let policyholders access death-benefit [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":25,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-24","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":0,"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/media\/25"}],"wp:attachment":[{"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=24"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=24"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arkgroupinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}