Blog
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5 Tips: What To Look For When Buying Life Insurance – Part 2
5 Tips: What To Look For When Buying Life Insurance – Part 2 << Part 1 #3 COMPARE SMALL SUBSIDIARIES OF LARGER PARENT FIRMS...Read more -
Term Life Insurance vs Whole Life Insurance: What’s the Difference?
When the business of life insurance began in 1759 in Philadelphia...Read more -
5 Mistakes People Make When Buying Life Insurance
Research shows that 40% of Americans don’t have any form of life insurance policy in place. Does this include you?...Read more -
Who Are The Competitive Life Insurance Companies
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...Read more -
Universal Life Insurance, Part 1 – The Good, The Bad And The Ugly
Understanding Universal Life Insurance The Good, The Bad, and The Ugly- Part 1 I will conclude this painfully tedious and lengthy six-part article right up front: Don’t buy a Universal Life policy...Read more -
Universal Life Insurance, Part 2 – The Good, The Bad And The Ugly
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...Read more -
Universal Life Insurance, Part 3 – The Good, The Bad And The Ugly
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...Read more -
Universal Life Insurance, Part 4 – The Good, The Bad And The Ugly
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...Read more -
Universal Life Insurance, Part 5 – The Good, The Bad And The Ugly
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...Read more -
Universal Life Insurance, Part 6 – The Good, The Bad And The Ugly
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...Read more -
The Top Ten Life Insurance Questions We Get Asked
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...Read more -
Employer Sponsored Life Insurance – Think Again
What About Employer Paid Life Insurance? My slow awakening may save you piles of money. In 1974, I went to work for...Read more -
The Hidden Financial Benefits of Life Insurance
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...Read more -
Watch Out For The Life Insurance Bait and Switch
Life Insurance Sales Tactics – The Bait & Switch Watch Out for the Life Insurance Bait and Switch How I was trained...Read more -
Be Clear About Guaranteed Renewability
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...Read more -
5 Minutes, Save 75%
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...Read more -
Permanent Versus Term Life Insurance
Term Vs. Permanent Life Insurance Which to Buy? Term vs. permanent life insurance. –...Read more -
Understanding the Life Insurance Exam Process
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...Read more -
How to Get a Cheaper Life Insurance Policy
Research shows that 52% of Americans don’t get life...Read more -
Essential Life Insurance Stats to Know Now
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,...Read more -
Social Security Fairness Act: What It Means for Retirees
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...Read more -
Your Life Online: Understanding Cyber Risks & Protections
In today's digital age, much of our daily activities revolve around the internet—from ordering food online to engaging with social networks. This surge in digital dependency has also ushered in a...Read more -
Life vs. AD&D Insurance: Making the Right Choice
The Importance of Financial PlanningPlanning for the future requires making many financial decisions, especially regarding the security and protection of your loved ones. For most people, insurance...Read more -
Understanding the Psychology of Underinsurance
We've all been there—sitting down, finally deciding to act on that longstanding intention to purchase life insurance. Yet, despite the best of intentions, taking that crucial step often gets...Read more