Life Insurance

When it comes to life insurance planning, our clients want real answers. They ask questions like, "How much insurance do I need? Is it affordable? How long should my policy last?" These are important questions! We answer them below using practical formulas and straightforward talk. Once you have a good foundation, purchasing life insurance for [...]

Category: Life Insurance

Millennials and the baby boomers are two generations who currently make up the majority of the population in the United States. Understanding how each generation thinks and what they want helps determine more about their life insurance needs. Let's explore the perceptions about each generation. See if you fit into either. Then let's consider the [...]

Category: Life Insurance

Now that you are ready to retire, it means more free time - and sometimes, less income. And with a reduced income, there are thoughts of ways to save money. After all, you also want more discretionary income to enjoy your free time. Is ending your life insurance policy - or never investing in one [...]

Category: Life Insurance

Could your loved ones survive comfortably without your income? Nobody wants to plan for death, but it matters. The people you care about could be left upset and financially stressed. Choosing the right insurance makes a difference in the quality of their lives. And it also offers peace of mind for you and your family […]

Category: Life Insurance

Operating a small business is challenging and rewarding. People work hard to create an enterprise that pays their bills and employs others. Each member of the team is essential to support the daily company operations. If someone becomes seriously ill or dies, it impacts the business. Discover crucial reasons to invest in small business life […]

Category: Life Insurance

Many people do not want to talk about death because they think it is morbid. And many believe that they should not even worry about the expenses because they are already gone. The truth is, if you care about loved ones, you need to plan for them financially no matter what happens to you. Also […]

Category: Life Insurance

None of us want to think about it, but we have to: we are mortal, and someday, we’re going to pass on. It is prudent to start planning now for that inevitable time in the future. If you have a family, then you have people who have to take care of your financial obligations after […]

Category: Life Insurance

As a senior, you may think life insurance is unnecessary. After all, your age and health conditions raise premiums. And, honestly, why now? Life insurance replaces income should you pass away, and you are retired. The mortgage is paid off. And, your kids are holding their own. Is a life insurance policy accessible and necessary […]

Category: Life Insurance

The New Year rings in with celebration and hope for a brighter year. Promises and resolutions fly like confetti after the infamous Times Square ball drop. But, as the sweeping of the streets commences the next day, so does the usual routine of our lives. And resolutions tend to get lost. What if we told […]

Category: Life Insurance

For many younger people, the thought of buying life insurance is probably about as far from your mind as it can be. You’re young, and life insurance is something only old people have to think about, right? Unfortunately, nothing could be further from the truth. While you seem to have a long, happy life ahead […]

Category: Life Insurance

Second to die life insurance is precisely that – a policy insuring two lives that only pays out once the second insured has passed away. This coverage is typically used for estate planning and wealth transfer preparation. Permanent insurance policies like whole and universal life are the most common types used in second to die plans. There are […]

Category: Life Insurance

If you are interested in term life insurance with no medical underwriting, physicals or blood-work, then  there are policies available for you. Many companies now offer non-med term policies; also known as simplified issue term life insurance. These policies are appropriate for those with less than perfect health and for those who want to avoid [...]

Category: Life Insurance