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What is the Value of Life Insurance for Young Adults?

You’re a full-fledged adult now, fresh out of college with your first real job. As you settle in to this phase of your life, it can be easy to focus on your immediate needs. That's a large part of the reason that only half of millennials own life insuranc…
#sidebar-archives h3{display:none;} You’re a full-fledged adult now, fresh out of college with your first real job. As you settle in to this phase of your life, it can be easy… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2017/05/what-value-life-insurance-young-adults/

While Mom is Away: A Concerned Parent Prepares for Vacation

Ideas for ways to prepare should the unthinkable happen.
#sidebar-archives h3{display:none;} Marguerite has been saving and is planning to go on a vacation to Puerto Vallarta with her fiancé. She is making the brave decision to… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2017/04/while-mom-away-concerned-parent-prepares-vacation/

CDs vs. Life Insurance: Which is the Best Option When Passing on Funds?

Many of my clients can relate to this situation: they were told that a CD (Certificate of Deposit) is an investment strategy that can provide guarantees and stability. That is absolutely true, but when it comes time to think about how to pass the money fr…
#sidebar-archives h3{display:none;} Many of my clients can relate to this situation: they were told that a CD (Certificate of Deposit) is an investment strategy that can… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2017/03/cds-vs-life-insurance-which-best-option-when-passing-funds/

Life Insurance is a Statement of Love

There are two things that remind me the most about why you need life insurance. Both happened to my family.
#sidebar-archives h3{display:none;} There are two things that remind me the most about why you need life insurance. Both happened to my family. When my oldest boy was… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2017/02/life-insurance-statement-love/

Piggyback Your Children on Your Policy

Have you ever heard of a Children’s Term Rider (CTR)? It is a valuable rider that can be added to a parent’s Whole Life or Term policy. This handy rider covers the lives of all current and even future children born to, or adopted by, the primary insured u…
#sidebar-archives h3{display:none;} Have you ever heard of a Children’s Term Rider (CTR)? It is a valuable rider that can be added to a parent’s Whole Life or Term policy.… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2017/01/piggyback-your-children-your-policy/

The Fraternal Advantage

I am a strong believer in the "Fraternal Advantage." Belonging to a fraternal organization allows many unique opportunities. I believe it to be imperative to make the time to support the activities that Western sponsors. As a member, you can get involved …
#sidebar-archives h3{display:none;} by Randy Kolarik, FIC, LUTCF, Agent for Western Fraternal Life Randy Kolarik and members John Warneke and Tom Warden make… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2017/01/fraternal-advantage/

Converting Your Coverage

Western offers the ability to convert from a term plan to a permanent (whole life) plan during the term’s coverage.
#sidebar-archives h3{display:none;} My parents recently realized their term life insurance was about to expire. Like many people, they hadn’t thought about it since it was… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/12/converting-your-coverage/

Life Insurance: The Foundation of a Sound Financial Plan

A well-rounded financial plan typically consists of several components, such as mutual funds, annuities, stocks, bonds, bank accounts, and of course, life insurance.
#sidebar-archives h3{display:none;} by Bob Anderson, CLU, LUTCF Agent for Western Fraternal Life A well-rounded financial plan typically consists of several components,… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/12/life-insurance-foundation-sound-financial-plan/

Your Financial Puzzle

One type of life insurance that is rarely talked about, but has fit well for a number of my clients, is Single Premium Whole Life. It offers growth of cash value and a death benefit, with no additional premiums ever needed. Here are two examples of how my…
#sidebar-archives h3{display:none;} Bradley W. Pratt Throughout my 35 years as a financial adviser, the topic of life insurance has often come up in client… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/12/your-financial-puzzle/

With One Payment, Insurance for a Lifetime

Have you ever heard of Single Premium Whole Life? This type of plan is permanent insurance, and the coverage lasts your entire life. One of the best aspects of this plan is that you only have to make one payment!
#sidebar-archives h3{display:none;} Have you ever heard of Single Premium Whole Life? This type of plan is permanent insurance, and the coverage lasts your entire life. One of… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2020/07/one-payment-insurance-lifetime/

What to do When a Family Member Passes Away

I’m the beneficiary on my dad’s life insurance, and he passed away. What do I need to do to collect? Do I report this “income” on my taxes? How much does a funeral cost? How are funeral expenses paid? My mother is not doing well since my dad passed away. …
#sidebar-archives h3{display:none;} by Shannon Daugherty, ACS, FLMI, Member Programs Assistant I’m the beneficiary on my dad’s life insurance, and he passed away. What do I… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/11/what-do-when-family-member-passes-away/

Protecting Business Investments

For many of my clients, their business is a meaningful investment in their lives, and they want to protect the future of their hardwork. When people begin a business together, they might not immediately ask themselves what will happen if my business partn…
#sidebar-archives h3{display:none;} by Ken Cafourek, Agent for Western Fraternal Life For many of my clients, their business is a meaningful investment in their lives, and… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/10/protecting-business-investments/

Job-Provided Life Insurance - What Could go Wrong?

Many people believe they don’t need personal insurance because they “have insurance through work,” but the following examples may change your mind.
#sidebar-archives h3{display:none;} by Shannon Daugherty, ACS, FLMI, Member Programs Assistant Many people believe they don’t need personal insurance because they “have… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/10/job-provided-life-insurance-what-could-go-wrong/

A Future Made Easier

by Carrie Baeten, Agent for Western Fraternal Life During 22 years at Western, I have been able to provide a ray of sunshine in very sad situations by making the future a little bit easier after the death of a loved one. Having a life insurance policy …
#sidebar-archives h3{display:none;} by Carrie Baeten, Agent for Western Fraternal Life During 22 years at Western, I have been able to provide a ray of sunshine in very… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/09/future-made-easier/

What Kind of Life Insurance is the Best Fit for You?

September is Life Insurance Awareness Month, and Western Fraternal Life, a member of Life Happens Foundation, is a proud participant in this campaign. According to the 2016 Insurance and Barometer Study by Life Happens and LIMRA, 40% of consumers don’t kn…
#sidebar-archives h3{display:none;} by Shannon Daugherty, ACS, FLMI September is Life Insurance Awareness Month, and Western Fraternal Life, a member of Life Happens… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/09/what-kind-life-insurance-best-fit-you/

Protecting Your Home and Family

“Congratulations on your new home,” is one of my favorite things I get to say to clients. Whether you are buying a home or re-financing a property, it’s my job to clearly explain the difference between home-owners insurance and mortgage insurance.
#sidebar-archives h3{display:none;} By Louie C. Caballero, FIC, Licensed Agent The Caballero family. “Congratulations on your new home,” is one of my… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/09/protecting-your-home-and-family/

A Frank Conversation about Funerals

Talking to your parents about their funeral wishes can make all the difference in the world. Parents, this is a practical way to show your children how much you love them.
#sidebar-archives h3{display:none;} Talking to your parents about their funeral wishes can make all the difference in the world. Parents, this is a practical way to show your… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/08/frank-conversation-about-funerals/

Learning About Vision 20

After 20 years, the term part of the policy ends. The permanent part of the policy remains with $25,000 of paid up whole life insurance.
#sidebar-archives h3{display:none;} Bonnie and Robert bought a house that’s just perfect. It’s close to schools, their friends, shopping, and church. They’ve been putting off… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/07/learning-about-vision-20/

How to Support Your Grieving Parent

When your parent is grieving because their partner has died, how can you help? Below are some things you can do during a major bereavement in their lives.
#sidebar-archives h3{display:none;} When your parent is grieving because their partner has died, how can you help? Below are some things you can do during a major bereavement… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/07/how-support-your-grieving-parent/

The Greatness of Term Life Insurance

Term life insurance is a type of plan that lasts for a set number of years. When you apply for insurance with Western, you can choose different lengths of time for your coverage, such as 10, 20, or 30 years. Some people call it temporary insurance.
#sidebar-archives h3{display:none;} Term life insurance is a type of plan that lasts for a set number of years. When you apply for insurance with Western, you can choose… http://www.wflains.org/life-insurance/life-insurance-topics-and-faq/2016/06/greatness-term-life-insurance/

Call 877-935-2467 to speak with a Western Fraternal Life Representative.