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You wouldn’t hesitate to protect your home or car from catastrophe; after all, those are major investments. But for some reason, many people aren’t protecting their most valuable asset. Did you know that 98 percent of Americans don’t have enough life insurance to replace their own income, in the event…
In my many years of working one-on-one with clients, I have learned something important about life insurance: There are no cookie cutter, one-size-fits-all answers. Sometimes a client will call me, and say something like, “I need to purchase 100,000 dollars in life insurance”. My reply is, “How did you arrive…
No one really wants to think about the end of their life, or picture their loved ones carrying on without them. So it’s no wonder that many people tend to gather their courage once, enroll in a life insurance policy, and then never think about it again. That’s understandable, but…
When you begin your search for the right life insurance policy, you might be surprised at how many different types there are! You will begin to spot lingo such as term, whole life, permanent, universal, and many more. These different types of life insurance were all designed to meet specific…
Here’s the funny thing about life insurance: While it’s your own life that you’ve insured, you’re not enrolling in this policy for yourself. We all consider, and ultimately select, a life insurance policy based on how well it benefits our loved ones after our passing. So what is the real…
Life insurance comes with many more benefits than you might think. In fact, it’s also for those who are still living! You might be surprised to learn that life insurance benefits can even be used to fund your retirement. For example, I’m currently paying premiums each month, for a …
Deciding how to protect your loved ones, in the event that something happens to you, is one of the most important decisions you will make. It can also be one of the most complicated. Since none of us can predict the future, many of your life insurance decisions will be…
Many people make the mistake of assuming that they don’t need life insurance, because they are young, or healthy, or don’t have outstanding debts, or don’t have any dependents, and so on. The truth is that we all need at least a basic policy to cover burial expenses, because none…
If you’ve decided that you definitely need life insurance, congratulations. You’ve made the first step toward an important decision that will protect your loved ones. But of course, deciding that you need this protection is only the first step. Now you will face a series of choices related to the…
In 2016, a survey by LIMRA found that two out of five US households have no life insurance protection. Of those who did have a life insurance policy, many expressed concern that they might not have enough. We’ll address that in a moment, but first let’s take a look at…