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Ryan Patterson is president of USInsuranceOnline.com, based in Austin, TX. He graduated in 2000 from the University of Texas with a combined business and computer science degree, and started US Insurance Online in May of 2005 with fellow entrepreneur Jim Waltrip.
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![]() What's the Difference Between Permanent and Whole Life Insurance?Whole life insurance is a type of permanent insurance, and both of these have terms lasting until the end of the insured's life, as opposed to term life insurance, which, as the name suggests, only covers the life of the insured for a specified term. ![]() Divorce: Whole Life Insurance or Term Life Insurance?For many divorcing couples, a term life insurance policy offers several advantages over a whole life insurance policy, and allows divorcing couples sensitive to fulfilling their financial obligations to each other and their children some affordable and sensible options. When the time comes to divide assets between divorcing couples, careful attention should be given during negotiations to provide for a life insurance policy. ![]() How Can I Locate a Lost Term, Whole Universal, or High Risk Life Insurance Policy?In many such cases, finding a missing life insurance policy could mean the difference between bankruptcy and financial security. If you've lost a life insurance policy, find out here what steps you can take and which places you can check to locate a lost term, whole universal, or high risk life insurance policy. ![]() Before Seeking Life Insurance Quotes, Consider This: Individual or Group InsuranceBefore you begin shopping around for life insurance quotes, you need to consider whether you're looking for group policies or individual policies. Find out what the difference is, and why you might be shopping for both. ![]() How to Find Affordable Term or Whole Life InsuranceWhen it comes to understanding term or whole life insurance policies, there's good news and not so good news. The good news is that both term life insurance and universal or whole life insurance have become cheaper over the past decade. The bad news is that almost all of we mortals are going to need life insurance if we want to protect our loved ones after we die. ![]() 6 Reasons to Buy Whole Life Insurance or Term Life InsuranceSecuring quality term or whole life insurance coverage is important, especially if there are people in your life whose financial stability depends on your income. Find out six reasons why you should purchase whole life insurance or term life insurance to protect your family and loved ones. ![]() Tips for Saving Money on Permanent and Term Life InsuranceWhether you're looking to buy permanent or term life insurance, or even over 50s life insurance, there are things you can do to save money. While life insurance may not be a subject that's fun to think about, nonetheless it's important to have sufficient coverage to protect your family. Consider the following tips to secure good coverage and lower the price you pay for insurance. ![]() Cover Those Family Jewels With More Than Just Renter's InsuranceIf you are a homeowner or renter you probably have either homeowner's insurance or renter's insurance that covers most of your valuables. But, consider that a lot of insurance companies are dropping their customers at the slightest suggestion of a claim. Do you really have the coverage you need for your most valued possessions? Most policies cover the "cost" value of your valuables, not the actual replacement cost. ![]() When Two Households Become One: Home Contents Insurance for Couples Approaching MarriageThe two of you are living together and engaged to be married. You've entered into the, "What's mine is yours and what's yours is mine" frame of mind. You've only been living together a few months in what used to be exclusively his apartment. So, iss any of your stuff insured under his home contents insurance policy? ![]() Do You Have Home Contents Insurance?Have you purchased adequate home contents insurance to protect your valuables against loss from fire, windstorm, lightning strike and theft? The way to be sure you've got sufficient home contents insurance is to make a detailed home inventory and keep it updated.
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