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Rate Class. How Much Will You Pay?

Paper scrap with Life Insurance text on cash

By Byron Udell | December 7, 2018

There are several different Rate and Risk Classifications life insurance carriers use to categorize people into risk groups. The carrier’s underwriters decide which one you qualify for based on your individual health, lifestyle, and family history profile. The price you’ll pay for your life insurance is determined, in large part, by the rate class (risk…

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[VIDEO] Life Insurance Has Something to Say

christmas boxes decorations and candy canes

By Selene Garcia | December 6, 2018

This holiday season your life insurance policy has a message for you. A reminder of sorts. We love our families, most of us would do anything to protect them. And some of you have taken steps to protect them when you, well, are no longer. But, what about those of you who haven’t pulled the trigger…

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[VIDEO] Life Insurance for Your Partner? Yes, Always!

two peoples hands making a heart

By Selene Garcia | December 3, 2018

Life insurance for your partner is more important than you can imagine. Consider for a moment what your partner manages in your home. While it will be different for every family, your partner contributes something of need…something that fills a void for you. A great example to consider would be the job of a full/part-time…

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[VIDEO] Why’s this life insurance guy so angry? Learn more.

neon light swear symbols

By Selene Garcia | November 29, 2018

This life insurance guy is so angry! Truth be told, his white-hot rage is warranted. If asked, people claim to love and care for their families but walk right past a real opportunity to protect them. How’s that love? So take 2 and listen to this angry life insurance guy explain why life insurance is…

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[VIDEO] Is 10,000 Hours of Practice Necessary? Maybe Not.

man doing yoga pose in the park in the grass

By Selene Garcia | November 28, 2018

Trying to become the best at your craft or passion? The general rule has been 10,000 hours of practice will get you pro-level performance. But, is all that really necessary? There must be a way to learn and put solid tactics to use without having to actually put in 10,000 hours of practice time. After all,…

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[VIDEO] Buying Whole Life Insurance for Kids!

group of multicultural kids playing and running

By Selene Garcia | November 21, 2018

It might seem morbid to consider life insurance for a kid, but it’s really the best time to buy. Here’s the deal, kids are young and healthy – a combination that makes life insurance insanely affordable. But that’s not the only benefit! Whole life insurance for kids can be paid over a shorter period, has…

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[VIDEO] How to Win the Game of Life Insurance!

two female hikers reach summit with raised arms

By Selene Garcia | November 19, 2018

You might think life insurance carriers are just greedy behemoths who take your money…they are, after all, for-profit. But, all hope is not lost! Your life insurance coverage is important and you need to keep your family protected. No need to worry. There’s a way you can really stick it to those life insurance carriers – ya know,…

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[VIDEO] Can You Be Your Own Life Insurance Beneficiary?

Senior woman sending love

By Selene Garcia | November 13, 2018

It’s a great question. Can you be your own bene? While it might seem odd to consider, it’s a tool that shouldn’t be overlooked when buying a life insurance policy. Especially if you plan on living far past the average human age of 79. There are big perks to being your own life insurance beneficiary!…

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How Much Life Insurance Do I Need?

hands counting change on a tablecloth

By Byron Udell | November 9, 2018

You’ve probably known someone who passed away with no coverage or, perhaps, a policy that barely covered the cost of the funeral. Maybe $10,000 or $20,000. That’s okay, assuming that’s all she wanted to cover. But for most people, the loss of a loved one leaves behind financial obligations far beyond just funeral expenses. No…

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3 Reasons People Put-Off Buying Life Insurance

3 Digit on Dark Metal Background on red brick wall

By Byron Udell | November 8, 2018

About half of the adults in the US own life insurance.   The other half doesn’t.   Some don’t need it. And others who arguably DO need it… don’t WANT it.   It’s a free country.   There’s obviously no law that says we must care about our families, but the fact is… most of us DO! So why…

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