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Life Insurance

Buying Life Insurance: How Much Do You Need?

It’s an unfortunate fact that death and taxes are the only two guarantees in life. We’d like to add buying life insurance to that list. We understand that life insurance is kind of a morbid industry. The whole point of life insurance is for an insurance company to pay a specified amount to your family after…

Converting your term life insurance policy

Term Life Insurance Conversion: The Basics

We get a lot of clients who are nervous about life insurance. Whole life insurance seems so permanent and confusing. And term life insurance seems like it won’t last long enough. However, the process of converting your life insurance can be daunting. The good news is that you are not locked into any policy forever.…

Is it possible to purchase life insurance during COVID-19?

We are currently living in unprecedented times. COVID-19 swept through the nation and has changed our priorities and our way of life. One thing you may not be thinking about is how COVID can impact your current life insurance policy, or your ability to get a life insurance policy. Getting Life Insurance During COVID-19 The…

Does My Insurance Policy Cover Coronavirus?

I think we can all agree that things are weird right now. 2020 started with so much promise and quickly devolved into quarantines and scary news stories with conflicting information about COVID-19. As we all adjust to the new normal of working from home and social distancing, we’ve noticed that a lot of life insurance…

Affordable Burial Insurance for Seniors

Marketing is a funny thing, especially in the life insurance industry. Before you fall for burial insurance gimmicks you should know that burial insurance – also known as funeral insurance – is basically a small whole life insurance policy. The benefits are typically between $5,000 and $25,000. They are specifically designed to cover your final…

What Arthritis Means For Your Premium

It is possible to prevent a lot of diseases and natural effects of aging through healthy lifestyle choices. The older we get, the more important it is to take care of our bodies – and preventative care often starts young, in the form of stretching, exercising and eating well. However, there are some side effects…

Life Insurance Ratings, Explained

Seniors shopping for life insurance face a lot of uncertainty. Unfortunately, the stigma of aging comes with the fear of poor life insurance ratings and – even worse – the possibility of decline for coverage. The good news is you do not have to be afraid to shop for life insurance just because you’re over…

Why Is Whole Life Insurance Bad?

The first step to finding the right policy for you is to decide which policy you want and what you need. Seems simple, right? Unfortunately, your first instinct might be the wrong one. It is a common mistake of those around the age of 51 to believe they should switch from term life insurance to…