Myths of Life Insurance

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 who…
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3 Reasons for a No Exam Life Policy

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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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