What is the Accelerated Death Benefit?

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...
I’m Good – I have Life Insurance at Work

I’m Good – I have Life Insurance at Work

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....
What is Life Insurance Laddering?

What is 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...
Permanent Life Insurance | Universal Life vs Whole Life Insurance

Permanent Life Insurance | Universal Life vs Whole 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...
Term Life Insurance for Freelancers | The Ultimate Guide

Term Life Insurance for Freelancers | The Ultimate Guide

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...
Learn How to Choose the Right Amount of Life Insurance

Learn How to 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...

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Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. Please feel free to contact me at your convenience.