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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final expense life insurance

One of the most rewarding roles in life is that of a grandparent. Often eager in showering their grandchildren with gifts of toys and clothes, grandparents can play an instrumental position in providing the gift of peace of mind and financial benefit throughout their grandchild’s life. Buying life insurance for … Continue reading Buying Life Insurance for Grandchildren

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blood pressure guidelines

High blood pressure is a relatively common medical issue that affects approximately 32% of American adults, according to the Centers for Disease Control.  However, recently the American Heart Association (AHA) and the American College of Cardiology revised the current blood pressure guidelines.  According to the new guidelines, an individual is … Continue reading Life Insurance Rates and the New Blood Pressure Guidelines

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