Speak to a Live Person.    Call 800-442-9899

Author: Selene Garcia

Holographic Wills. Are they Enough?

Last Will and Testament concept

By Selene Garcia | May 23, 2019

In the past few years we’ve heard many stories of legendary musicians such as Prince and Aretha Franklin who have passed with no Will, no estate planning of any kind, but a massive estate left for the courts and family members to slice and dice based on what their idea of what is fair.  As…

Read Article

[VIDEO] 5 Things You Didn’t Know About Life Insurance Underwriting

number 5 painted on a plate bolted to a metal door

By Selene Garcia | January 30, 2019

Whether you’re in the midst of the underwriting process or simply considering purchasing a life insurance policy, there are 5 facts you should know about life insurance underwriting. But if you have only one take-away from this it’s, don’t lie. Be upfront and honest because the consequences can be severe – including your family being…

Read Article

[VIDEO] Universal Life Insurance. Plain & Simple.

picture of globe with Universal Life text over the image

By Selene Garcia | January 17, 2019

Universal life insurance is often one of the best options for those who need flexible amounts of life insurance at different periods of time. Plus you can build, and access, a cash value that can be used for anything you would have purchased with your own earned income! Universal life insurance protection is a lot of flexible…

Read Article

[VIDEO] Save Age May Help You Save on Life Insurance

happy birthday cake with unlit candles

By Selene Garcia | January 16, 2019

When most people talk about their age, they’re typically speaking about their actual age. You know, you’re 36 until the day of your 37th birthday – then you’re 37. Well, for purposes of pricing, term life insurance companies use one of two methods for calculating your age: Attained Age or Age Nearest. This terminology, Attained Age…

Read Article

Buying Life Insurance: Wait or Buy Now?

Female legs with 2 arrows and question mark, painted on the asphalt

By Selene Garcia | January 14, 2019

Understanding the best time to buy life insurance is sometimes half the battle! The question to wait or buy now is a common one. And, the truth is when buying life insurance, carriers consider your mortality when determining how much you will pay. Also remember, we don’t typically get healthier as we age, so it stands…

Read Article

[VIDEO] Group Term Life vs. Individual Life Insurance

woman typing on a laptop working at home free and happy. thinking looking outside

By Selene Garcia | January 10, 2019

You might wonder which one is better, group term or individual life. Truth is, the free stuff at work typically won’t replace your economic value because the group term coverage is just a small token of what you really need. Also, if you lose the job, you lose the coverage – it doesn’t follow you….

Read Article

[VIDEO] Waiver of Premium. It Pays When You Can’t!

man sitting with wrapped injured knee

By Selene Garcia | December 26, 2018

Did you know that 1 out of 3 Americans between the ages of 35 and 65 will suffer a long-term disability lasting at least 90 days? You are also 4 times more likely to become disabled than you are to die before 65 years of age. The facts are a bit jarring, but armed with…

Read Article

[VIDEO] Return of Premium Life Insurance for Permanent Life

Piggy bank with calculator

By Selene Garcia | December 19, 2018

Return of Premium for permanent life is a real thing and if you so choose, you might have the opportunity (after 25 years) to get all your money back. But, before you start dialing your insurance agent, get clear on the facts. This refund option is, in essence, a financial incentive… an ethical bribe of…

Read Article

[VIDEO] Gambling with Life Settlements. Bad Idea.

man with cards in hand and stacks of poker chips

By Selene Garcia | December 13, 2018

Over the past 25 years or so there’s been an emergence of a new secondary market for existing life insurance policies. Some people, under certain circumstances, are actually able to sell their life insurance policies to people or companies willing to buy them, essentially as investments. The practice is offensive and you should know that the people…

Read Article

[VIDEO] What is Return of Premium?

what a surprise old man exaggerated expression

By Selene Garcia | December 11, 2018

Return of Premium is a life insurance feature that can be used as a piggy bank of sorts. While return of premium is commonly used with term life insurance, it can be added to both term and permanent coverage. However, depending on the type of coverage you have (term vs. permanent) your return of premium…

Read Article