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

Expert Advice

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…

Read Article

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…

Read Article

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. …

Read Article

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…

Read Article

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. …

Read Article

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…

Read Article

Disability Insurance. Have You Protected Your Paycheck?

Young disabled woman in wheelchair at home, rear view.

By Byron Udell | February 6, 2019

You buy insurance for your material possessions – your home and car, for example. But have you insured the one thing that enables you to pay for those possessions? Believe or not the most important thing you can insure is your ability to earn – yes protect your paycheck. Ask yourself, how long would your…

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