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Understanding Diabetic Life Insurance UnderwritingLife 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...

This is Part 6 – You can start at the beginning – HERE.  Who Should Consider Buying A Universal Life Policy?Is Universal Life Insurance right for you? I have a problem when people call me and tell...

The Top Ten Life Insurance Questions We Are Asked   Question 10 – What’s involved with buying a policy? Answer – There are many life insurance questions, but we’ll start with the application. It...

What About Employer-Paid Life Insurance?My slow awakening may save you piles of money.In 1974, I went to work for a major insurance company. They offered the usual benefits package – health, dental...

When people think of life insurance, they often envision it as a financial safety net for loved ones after their passing. However, life insurance also plays a vital role in financial planning...

Life Insurance Sales Tactics – The Bait & Switch Watch Out for the Life Insurance Bait and Switch How I was trained...

I am drawing special attention to the phrase “Guaranteed Renewable” in life insurance contracts because it is easy to misinterpret. When heard in a TV commercial: “Our policies’ rates are...

How To Save Money When Switching Life Insurance CompaniesOne well-known insurance company has flooded the airwaves with this promise: “Give us 15 minutes and we may be able to save you 15 percent...

Term Vs. Permanent Life Insurance Which to Buy? Term vs. permanent life insurance. –...

Preparing for Your Life Insurance ExamGetting life insurance often involves taking a medical exam, a process some might find daunting. Yet, understanding what this exam entails can alleviate...

Research shows that 52% of Americans don’t get life...

In today’s unpredictable world, securing life insurance is more critical than ever. As a financial safety net, it ensures protection for your loved ones from unforeseen hardships. Yet,...

The signing of the Social Security Fairness Act on January 5, 2025, marks a pivotal moment for public servants nationwide. Historically, many retirees such as teachers, firefighters, and police...