Life After Divorce: Get Your Finances in Order

While divorce isn’t the end you were looking for when you got married, life changes. Incompatibility and numerous other issues may make it the best option for you. One major problem post-divorce, however, is adjusting to your personal financial situation....

Shared decision-making may lead to higher medical costs

Physicians are sometimes criticized for not always involving patients and their families in making medical decisions. As a result, there has been a growing push to incorporate shared decision-making (SDM) into the treatment process. SDM is encouraged because...

September is Life Insurance Awareness Month

Life insurance can do amazing things for people. It can pay off debts, finance a child’s education and provide surviving family members with a steady income while they grieve, recover and enter a new phase in their lives. Yet despite its availability, there is...
Discussing life insurance with your children

Discussing life insurance with your children

Parents don’t want to talk about death with their children, and most children don’t want to think about what their lives would be like without their parents. However, you should be open and honest with your children about this difficult subject and your...

Tips to save money on your grocery bill

There’s no way around it: You need to buy food. However, your entire paycheck doesn’t have to go to the grocery store. These tips and suggestions can help you reduce the amount you spend on food without sacrificing nutrition. You should: Plan ahead Going...
Prepare Now for Your Parents’ Long-Term Care

Prepare Now for Your Parents’ Long-Term Care

We’d all like to be able to provide for our parents as they grow older, but today’s younger generation is more uncertain of their finances than ever. According to the Federal Reserve, the average U.S. household carries more than $15,000 in credit card...

Study: Workers fear costs of critical illness more than death

Nearly half of all U.S. workers fear the financial impact of a critical illness more than death, according to research conducted by Sun Life Financial. In its poll of over 4,000 full-time U.S.-based employees, the financial services company found that 47 percent of...

Replacing Income with Life Insurance

Having sold life insurance policies for over twenty years, I am very sensitive to people’s aversion to discussing anything having to do with death. It’s not an easy subject for some people to confront and it makes selling life insurance a very delicate...
Backdating may reduce your term life insurance policy rates

Backdating may reduce your term life insurance policy rates

Most people in the market for life insurance know that age is a major factor insurance companies use in determining the premium of a policy. What they don’t know, however, is precisely how a significant number of life insurance companies determine age. Using a...
Do I have enough life insurance coverage?

Do I have enough life insurance coverage?

The question that makes up the title of this blog post is an important one. It is a query that every American should explore as they consider the financial future of both themselves and their loved ones. A life insurance policy is an effective way to provide support...

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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.