What about Mortgage Protection Insurance?

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…
Read More

Life Insurance for Felons

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 would…
Read More

Do you have Employer Benefits? Read below.

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…
Read More

Funeral Pre-Planning:

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…
Read More

What are the implications of Living Benefits on permanent life insurance policies?

The Living Benefits riders are paid out early to policy holders who have a terminal, chronic or critical illness. (See our blog on Term Life Insurance and Living Benefits). This allows financial comfort to the policy holder and family. It helps them to focus on the emotional and physical aspects of the situation, rather than…
Read More

What are Living Benefits?

What are Living Benefits? There’s more to life insurance than purchasing it to ensure financial comfort for your loved ones after you pass. After all, you may find that toward the end of your life, you may have a need for that money. What do you do then? What about Living Benefits on a term…
Read More

Not all insurance carriers are alike

Finding an insurance carrier that’s the perfect fit is a lot like dating. There are many good people out there, but not all are for you. Same with Insurance companies. Each carrier has a personality of its own and specializes in areas where you may or may not be interested. Looking at their websites, some…
Read More

What is the life insurance process?

Unfortunately, the life insurance process is unlike buying groceries, where you go into a store, select the product you want and pay for it. It’s also unlike buying a car, again where you identify the make and model you’d like and negotiate the price with the salesman, finance manager and sometimes, the general manager or…
Read More
underwriters risk

What risks do underwriters look for when approving an application?

Before you ask that question you need to understand underwriting. Underwriting is the process of examination of all the information you provide (i.e., applications, health information, possible financial info, occupation, driving record, hobbies) to obtain health insurance. They look at all the information to see if you have any clear, and not so clear risks.…
Read More