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Your Aunt Martha calls you and asks for help locating her deceased husband's lost life insurance policy. She doesn't know which company insured him. What to do? Here's a detailed guide to help...

Understanding the DenialReceiving a life insurance denial can be a daunting experience. It's essential to understand why you were denied. Insurers may deny applications due to health conditions,...

Understanding Life Insurance: A Moral and Practical Perspective The question of whether Christians should have life insurance often gives rise to intense discussions. Balancing faith, ethical...

When buying life insurance in Charlotte, Raleigh, Wilmington, or anywhere in North Carolina, here are a few key points to consider: Assess Your Needs: Determine why you need life insurance and what...

Understanding the Impact of High Blood Pressure on Life Insurance High blood pressure, or hypertension, can be a significant concern when applying for life insurance. Insurers consider it a risk...

Exploring Pension Payout OptionsUpon retirement, those with traditional pensions, defined benefit plans, face crucial payment options decisions. The default choice for many married retirees is...

What is a Life Insurance Settlement?A life insurance settlement, also known as a life settlement, is a financial transaction in which a policyholder sells their life insurance policy to a third...

Why Planning Matters for Future Healthcare CostsAs we approach 2026, the healthcare landscape for seniors continues to evolve, bringing challenges and opportunities. For individuals nearing or...

My Life Insurance Rate Guarantee Is Ending  Understanding Your Life Insurance Rate Guarantee Expiration It's common to feel uneasy when your life insurance rate guarantee ends. This period might be...

Understanding the Challenges of Life Insurance with Pre-existing ConditionsSecuring life insurance when managing pre-existing conditions like heart disease and diabetes presents unique challenges....

Delving Deeper into Overweight Life Insurance UnderwritingLife insurance underwriting is a complex process through which insurers evaluate the risk associated with insuring an individual,...

Understanding the Challenge: Applying for life insurance when you have heart disease can seem daunting. Insurance companies are meticulous about assessing the risk involved, and heart conditions...

Understanding Diabetic Life Insurance Underwriting: Life insurance underwriting is a critical process that insurers use to determine the risk of insuring an individual. This involves evaluating...

Life Insurance: A Versatile Financial ToolLife insurance is more than just a safety net for your loved ones in the event of your passing. It is a versatile financial tool with multiple benefits,...

Part 2 >> 5 Tips: What To Look For When Buying Life Insurance – Part 1 #1 Compare Prices When Shopping For Insurance Because insurance premiums can vary widely (as much as 300-500%), you should...

5 Tips: What To Look For When Buying Life Insurance – Part 2 << Part 1 #3 COMPARE SMALL SUBSIDIARIES OF LARGER PARENT FIRMS...

When the business of life insurance began in 1759 in Philadelphia...

Research shows that 40% of Americans don’t have any form of life insurance policy in place. Does this include you?...

Understanding Universal Life Insurance  The Good, The Bad, and The Ugly- Part 1I will conclude this painfully tedious and lengthy six-part article right up front: Don’t buy a Universal Life policy...

The answer to that question is: "it depends." If you are a non-smoker in good health, you should see most of the following companies towards the top of any worthwhile spreadsheet. If not, you may...

This is Part 2 – You can start at the beginning HERE. About Universal Life Insurance Policies The History of Universal Life InsuranceOver 40 years ago, I sat in a former employer’s class anxiously...

This is Part 3 – You can start at the beginning HERE. Universal Life Insurance's Bucket“The Bucket”What I’m about to describe is the “chassis” of a Universal Life policy, whether a standard...

This is Part 4 – You can start at the beginning HERE Universal Life Insurance Guide & InformationBack to the 1980s…The interest rate the company is paying you on your “bucket” is the critical part...

This is Part 5 – You can start at the beginning HERE About Your Universal Life Insurance QuoteVariable Life InsuranceThe concept is the same as above. Variable Life is a “bucket.” Everything works...