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Author: Byron Udell

The Facts About Whole Life Insurance

whole life insurance on desktop with pen and papers in background

By Byron Udell | July 26, 2019

Whole Life Insurance is the gold standard of life insurance policies. This type of permanent life insurance is one of the most misunderstood financial products on the market today. In addition to providing a guaranteed death benefit for life, typically with guaranteed level premiums for life, whole life policies develop significant guaranteed cash values over time…

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Permanent Life Insurance. What is it?

Wooden figurines representing family and hand drawing umbrella, symbol of insurance.

By Byron Udell | June 25, 2019

Permanent life insurance provides insurance coverage for your entire lifetime. As a matter of fact, in many cases, permanent life insurance is the safest way to make sure you have coverage when your time on this earth runs out (we call this “winning the game of life insurance”). Remember – a life insurance policy is worthless unless…

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“Saving Your Age” Can Save You Money on Life Insurance

profile of old man with baby looking at him

By Byron Udell | May 22, 2019

As most people know, your age has a lot to do with how much you pay for life insurance. But you CAN use your age to your advantage in getting a better rate. To find out more “saving your age” on your policy. For purposes of pricing their policies, term life insurance companies use one…

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Single Moms Need Life Insurance Too!

mother and child posing in the street

By Byron Udell | May 17, 2019

Are you a single mom? Do you need life insurance? Absolutely. Find out the best way to buy life insurance for single moms. Single moms are some of the most empowered women I know.  They do the work of two people tirelessly every single day because they view their responsibilities not as burdens but as unfailing demonstrations…

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Life insurance beneficiaries: Who gets what, and when?

Three generation Hispanic family standing in the park, smiling to camera, selective focus

By Byron Udell | May 15, 2019

There are plenty of terms and acronyms used in the life insurance industry and it can make life insurance confusing and convoluted. And beneficiary or bene, as it’s often referred, is definitely one of those terms. While you can decide how many primary and contingent beneficiaries you want, it’s important to take a moment to…

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Life Insurance Can’t Wait Another 20 Pounds

Metal urn at a funeral

By Byron Udell | May 15, 2019

Life insurance is important. Yet, half of Americans have no life insurance. The other half owns a policy, but only about 3x their annual income in death benefit. Bottom line: Folks either have no life insurance or are tragically underinsured.  For someone who owns 3x their salary in life insurance, I often ask them, “When…

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Can Being Pre-Diabetic Stop You from Getting Life Insurance?

glucose meter with vitamins on a white background

By Byron Udell | May 2, 2019

If your blood sugar is slightly elevated, should this be a red flag regarding your health? How could pre-diabetic glucose readings affect your chances of getting life insurance? The truth is the healthier you are, the lower your life insurance rates will be. There are six main factors that can raise your life insurance rates and one of them…

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How Guaranteed Universal Life Insurance Can Save You

men playing chess in the park

By Byron Udell | April 26, 2019

One problem with today’s popular level term policies is that when the term ends, and you receive the premium notice for the next year, you better be sitting down! Why? Because the premium increases at the end of the initial term (typically 10, 20, or 30 years) are MASSIVE. Take a look at your policy…

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Can I Get Non-Smoker Life Insurance Rates if I’m Only Vaping?

man vaping in a bar

By Byron Udell | April 23, 2019

In certain circles, cigarette smoking has become rather unfashionable. You can’t smoke at your work desk. You can’t smoke inside public buildings. You can’t smoke on planes (whoever thought that was a good idea?). What’s a smoker to do? Well, in recent years some cigarette smokers have switched to a more socially acceptable form of…

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6 Factors That May Raise Your Life Insurance Rates

number six painted on wooden doors

By Byron Udell | April 17, 2019

Insurance costs vary and depend on a number of factors.  Age, sex, medical history, profession, and location are a few examples of the factors that go into calculating insurance premiums. Taking precautions and cutting out bad habits or improving on certain lifestyle shortcomings can result in lower rates.  Factors that can raise your life insurance premium…

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