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Your Sobriety and Life Insurance Coverage

Addiction Or Life Choice Arrows Concept

By Selene Garcia | November 15, 2019

Addiction ruins lives. Period. And the truth of the matter is, those who are strong enough to make it through to see the light at the end of the tunnel have a new lease on life. A renewed love of friends and family. And, a desire to protect everything that supports a sober life. But,…

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5 Tips to Help You Shop for Life Insurance

rusty number five

By Selene Garcia | November 6, 2019

Buying life insurance can seem like an insurmountable task. All the terminology to learn, all of the options to review, and how to find the best deals – it’s a virtual nightmare and enough to send you packing up and saving the entire ordeal for another day. Truth be told, shopping for life insurance isn’t…

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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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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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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 official, legally binding Will and no estate planning,  but a massive estate left for the courts and family members to slice and dice based on what their idea of what is fair. …

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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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