This is a question we are asked quite often, typically when we are doing annual policy reviews with our clients. The answer isn’t so straight forward. You can’t “extend” the length of your policy, but there are a few great alternatives. When discussing a new term life insurance policy with … Continue reading Can I Extend My Term Life Insurance Policy?

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final expense insurance

If you want proof of how popular final expense life insurance has become, look no further than your TV screen. With Baby Boomers storming into the marketplace every month, the major insurance carriers are scrambling to make their company names relevant. If you are a senior and looking for final … Continue reading Top 5 Final Expense Insurance Companies in 2018

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Many families put off buying life insurance for various reasons. The excuses that come up are usually the same. Purchasing life insurance may not seem like a high priority at the moment, but life (and death) happens unexpectedly. When you put off getting life insurance, your family members are the … Continue reading Why People Put Off Buying Life Insurance (And Why They’re Wrong)

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what is the accelerated death benefit

  For most people, their primary reason for purchasing life insurance is to provide funds to their surviving loved ones to reduce the financial stress that the loss of your income is likely to cause. Some people purchase life insurance for more specific purposes like paying off a mortgage (mortgage … Continue reading What is the Accelerated Death Benefit?

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As an independent insurance agent, I cannot remember how many times I’ve been told: “I’m good, I’ve got life insurance at work.” When I say I can’t remember, I mean I’ve heard this response so many times I’ve lost count. Please don’t misunderstand, it’s not a bad thing, in fact, … Continue reading I’m Good – I have Life Insurance at Work

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life insurance laddering

When you purchase a life insurance policy, you are essentially providing your surviving loved ones with a financial safety net that will help them move on without your income stream. Life insurance policies will typically fall into three basic types of coverage: term insurance (temporary), whole life (permanent) and universal … Continue reading What is Life Insurance Laddering?

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permanent life insurance

  So, you’ve decided that term (temporary) insurance is not the right product for you and that you want to buy permanent life insurance and take advantage of the living benefits. The two most common products to consider will be Universal Life Insurance and Whole Life insurance. What’s the difference? … Continue reading Permanent Life Insurance | Universal Life vs Whole Life Insurance

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life insurance for freelancers

Being a freelancer is now more popular than ever. This is a giant group of people who refuse to get a “real” job. Please don’t misunderstand – this is not a bad thing. In fact, we know that there are more than 53 million freelancers out there that wear many … Continue reading Term Life Insurance for Freelancers | The Ultimate Guide

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choose the right amount of life insurance

Most people today realize that they need to have life insurance. It’s no longer in the “well maybe” column but for most people it’s in the “get it done” column. Certainly, we know that when we die there is an expense attached because you can’t bury your cousin Fred in … Continue reading Learn How to Choose the Right Amount of Life Insurance

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life insurance for felons

When applying for fully underwritten traditional life insurance, most insurance carriers are going to inquire about any felony convictions you may have had in the past. It makes sense – if a life insurance company is willing to check your motor vehicle record for your driving behavior, then they would … Continue reading Life Insurance with a Felony Conviction

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