• Last updated Mar 22, 2017 at 9:18PM | Published on Aug 15, 2013

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 proposition.  I find it difficult to use … Continue reading Replacing Income with Life Insurance

READ MORE

  • Last updated Mar 22, 2017 at 9:19PM | Published on Aug 14, 2013

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 simple trick known as backdating, you … Continue reading Backdating may reduce your term life insurance policy rates

READ MORE

  • Last updated Mar 22, 2017 at 9:19PM | Published on Jul 17, 2013

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 for a … Continue reading Do I have enough life insurance coverage?

READ MORE

  • Last updated Mar 22, 2017 at 9:22PM | Published on Apr 16, 2013

sleep apnea risks

Sleep apnea is a relatively common condition among older Americans, characterized by breathing pauses during a night’s rest. While medical experts have long associated this disorder with fatigue and muscle weakness during daylight hours, a new study has pointed out a potentially dangerous effect of sleep apnea: a higher risk … Continue reading Doctors see connection between sleep apnea and poor driving

READ MORE