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Any type of financial product such as Life insurance, IRA’s, 401(k)’s, etc there is a section of that application asking to name a Primary Beneficiary and in most cases a Contingent Beneficiary as well.  This ensures that the company knows who to contact to deliver the proceeds when the insured passes away. In the case.. More

Today there are more than 100 million Americans that are living with some form of Diabetes or Pre-Diabetes. Personally, we all know someone living who is affected with the disease and sometimes this could be a struggle for some. The good news is that there are Americans who have control over managing their diabetes by.. More

Why it’s important to be open and honest when completing an application for life insurance.

Written by Protect And Insure My Life

Why it’s important to be open and honest when completing an application for life insurance.   Over my years of working with clients whom I had the privilege of setting the foundation of protecting their income and assets by using life insurance, it was always a given that they were comfortable with me asking the.. More

Fact or Fiction   Full disclaimer here… I am not a Financial Planner, Advisor or CPA please seek out the appropriate professionals as it relates to your individual situation.  There has been some talk over the years and as of this day as it relates to Life Insurance, that there is still question and uncertainty of.. More

3 Reasons for a No Exam Life Policy

Written by Protect And Insure My Life

What is a NO-Exam Life insurance policy?  It suggest exactly that…No Exam!!! When applying for a such a policy Sometimes called Simplified Issue, you can skip the necessary para-med exam that normally comes along with obtaining coverage.  There are certain criteria you have to meet to even get approved. Insurance carriers have found a way.. More

Mortgage Protection Insurance Congratulations! So, you just purchased your home and you’ve designed and furnished it to your liking thus far.  Prior to buying in the area you were driving through the neighborhood and you noticed a couple of things that stood out to you.  In these well-established neighborhoods with nicely manicured yards you see.. More

Have you been denied Life Insurance coverage because of a Felony?   Life happens to all of us whether it’s good, bad and/or indifferent.  Let’s keep it REAL shall we?  It sometimes comes down to the decisions and actions that we make hence these are the consequences that determine what the outcome will be.   I.. More

So, let’s talk about this for a few moments.  You landed that almost perfect job you’ve dreamed of and the income/salary is what YOU think you’re worth.  You were told that you have a “Great Benefits package” to include the following: Employer-based paid Medical, Life insurance, Dental, Vision, and other provided benefits like “PTO” and.. More

What goes through your mind while attending a funeral of a loved one?  Subconsciously, we are thinking, I could or inevitably be in this same situation and wonder if my Last Will & Testament and other advance care directives are in place.   Here are just a few of the following thought provoking questions that you.. More