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Expert Advice

The Facts About Whole Life Insurance

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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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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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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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3 Simple Health Tips You’re Not Hearing About

table full of healthy food options

By Sami Udell | March 13, 2019

Do you ever feel inundated with new information about what is healthy and what is not?  Here’s 3 simple health tips that can improve your well-being and save you money on life insurance. There are plenty of new diets claiming to be the best along with proven studies to show how and why they work. …

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Term Life Insurance Policy Conversion

time for change written in chalk

By Byron Udell | March 8, 2019

Most term life insurance policies offer what’s known as convertibility. This gives you the right to “trade in” your term policy for a permanent one – with no medical exam or health questions. Check out the short video below and get a short overview of how the process works.   There is often a limited…

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Life Insurance Can Help Send Your Child to College

female college graduate spraying campaign

By Byron Udell | March 5, 2019

One of the great benefits of life insurance is that the money can be used for a variety of things, including sending a child to college. So if you don’t have child life insurance, find out more. Part of the American Dream is sending our children to college and preparing them for a bright future. …

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You May Get Lower Life Insurance Premiums if You Get Healthy

man and woman facing away holding broccoli behind their heads

By Byron Udell | March 1, 2019

You might be able to lower your life insurance premiums with just a few lifestyle changes. To learn more, read on. Your health is directly linked to the life insurance premiums you’ll pay.  What most people don’t know, however, is that if you decide to make certain lifestyle changes and it results in a lower…

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