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Author: Byron Udell

Types of Life Insurance. The Basics.

Young businessman thinking about types of life insurance

By Byron Udell | November 3, 2019

Life insurance comes in many shapes and sizes, but there are two basic types of life insurance policies: Term or Temporary life insurance and Permanent life insurance. They both do exactly what it sounds like: Term insurance is temporary and offers coverage for a specific period of time and pays the face amount of the…

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Second-to-Die Life Insurance. Who Needs It?

headstones survivorship life insurance II

By Byron Udell | October 17, 2019

Survivorship or Second-to-Die life insurance is a type of life insurance that covers two individuals (usually a married couple). The policy’s death benefit is only paid after both insured individuals die. While this type of coverage is most used for estate protection, parents of children with special needs can provide funds for living and care…

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Life Insurance: What? Who? How Much?

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By Byron Udell | October 16, 2019

Life insurance is one of the most important parts of a healthy overall financial plan. Continue reading and learn the what, the who, and the how much, of life insurance. What is life insurance? Life insurance, in its simplest form, is income replacement. When you die, your life insurance will help take care of those…

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6 Life Milestones and Life Insurance

number 6 with copy that reads life milestones and life insurance

By Byron Udell | October 7, 2019

How you plan today will determine how you, and your family, will live tomorrow. When it comes to life insurance your needs may differ depending on where you stand in your personal and professional life at a given point in time. There are various milestones that may affect your life insurance needs. Understanding life insurance…

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Is There Life Insurance for a Child with Special Needs?

parents with special needs son

By Byron Udell | August 14, 2019

Children with special needs can present exceptional challenges for parents. One being, ensuring your child will be financially secure and cared for after you’re gone. As any parent knows, raising a family can be both rewarding and challenging. However, caring for a child with such needs requires a level of devotion and dedication that can…

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Life Insurance: Frequently Asked Questions

By Byron Udell | August 5, 2019

If you’re wondering what type of policy you need, for what length of time the coverage is necessary, how long it’s going to take to get a policy, you’re not alone.  These are very common questions. Fortunately, you’ve come to the right place! We’ve put together these FAQs to help make this process as easy for you…

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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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