Life Insurance

October 4, 2022You want to make sure your family is safe and secure. That’s why you’re researching life insurance. But how do you buy life insurance with pre-existing conditions? What are the best types of life insurance to buy if you have… read more…

September 27, 2022Building financial security for your family is achievable in numerous ways. For example, you could set up a trust, purchase real estate or create a 529 college fund. However, if you’re looking for a financial vehicle with guaranteed returns and… read more…

August 11, 2022Medicaid provides a way to pay for medical costs. But it can also lay claim to the assets that you leave behind, including life insurance if you do not have a designated beneficiary. Let’s break down what what Medicaid can claim… read more…

July 27, 2022Voluntary life insurance is a type of insurance offered as part of a group insurance policy that typically covers employees in the event of their death. It is an additional benefit offered by employers that they typically don’t pay into,… read more…

July 18, 2022People buy life insurance to protect against financial loss when they die. But what happens if they don’t let anyone know about their policy? Their family could miss out on much-needed money to cover the loss of income, pay off… read more…

July 13, 2022Life insurance is a valuable tool that pays off debt and replaces income when someone dies. While some investors purchase individual term policies, others get group term life insurance from their workplace or other organizations to which they belong. It… read more…

July 13, 2022A $2 million life insurance policy may sound like a lot, and you might think so much coverage must be very expensive. But when you consider all the expenses your family will have if you pass away – a mortgage,… read more…

July 7, 2022Life insurance is designed to provide financial peace of mind for you and your loved ones. Simplified issue life insurance is something you might consider if you don’t want to go through the standard medical exam that’s often required to obtain coverage. You might consider a simplified issue policy if you need to get covered… read more…

June 6, 2022Adding riders to a life insurance policy can make your coverage more comprehensive. A disability income rider can provide you with a steady source of income if you become disabled and can no longer work. Disability riders are a type… read more…

June 3, 2022When buying life insurance, you may be offered the opportunity to add riders to the policy in order to expand your coverage. A guaranteed insurability rider allows you to increase your policy’s death benefit without having to complete a second medical exam. Doing so can raise the cost of your premium but it may be… read more…

May 19, 2022A Lifestyle Spending Account (LSA) offers employers an opportunity to help fund health and wellness costs that a traditional group health plan won’t cover. LSAs are often used as perks to attract and retain quality employees. Employers tailor accounts to reimburse specific costs. Here’s how it works. A financial advisor can help you create a… read more…

April 28, 2022Life insurance policies provide a financial benefit to the people left behind when someone passes away. This money is available to cover burial expenses, pay off debt, replace lost income, and more. But what happens to life insurance with no… read more…

March 23, 2022Life insurance riders allow you to increase the coverage or death benefit provided by your policy. If you have kids, you might consider adding a child rider. Child rider life insurance additions pay out a death benefit if a covered… read more…

March 7, 2022Life insurance can prove to be a valuable asset if you’d like to leave a death benefit behind for your loved ones. But if you decide you no longer need your current policy or you need cash now, you may choose to exchange it for a life settlement. A life settlement, also known as a… read more…

February 18, 2022Life insurance is designed to provide a death benefit to your loved ones after you pass away. Certain policies can also accumulate cash value that you can tap into during your lifetime. There are different ways to cash out life… read more…

August 30, 2021Death may be coming for all of us someday, but that doesn’t mean it’s a nice thing to think about. While you may be able to block out the thoughts of your mortality most of the time, there is one… read more…

February 18, 2021Life insurance can provide a measure of financial protection for your loved ones against the worst-case scenario. Whole life insurance and indexed universal life insurance (IUL) are two types of permanent policies you might consider if you’re interested in lifetime… read more…

January 13, 2021New insurance agents can get a grounding in the basic skills, such as underwriting, needed to succeed in the field by becoming a Life Underwriter Training Council Fellow (LUTCF). After completing the required training, agents will have greater expertise in… read more…