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Expert Advice

A Term Life Insurance Secret You May Not Know About

Do you know the amount of your policy's death benefits?

By Byron Udell | June 18, 2014

Term Conversion – Converting your Term Life Insurance Converting your term life insurance to a permanent policy can help you win the game of life insurance. Learn more about policy term conversion options. Term life Insurance policies generally contain an option known as convertibility.  Assuming your policy includes this term conversion feature and has not…

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Combo Life Policies – A Popular Choice

What is

By Byron Udell | May 26, 2014

Combo life insurance policies are becoming more popular every year.  There are some great benefits you can take advantage of with combo life policies, especially if you’re looking to combine it with long term care (LTC) coverage.  It’s worth considering and here’s why. More affordable long term care coverage.  A life insurance policy with a…

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Long Term Care Insurance Buying Tips for Women

Are you ready for retirement?

By Byron Udell | May 12, 2014

Since women live longer than men, they need long term care insurance now more than ever. But how do you know if you’re getting the best rates? We have some tips that can help. Women live longer than men, a fact many life insurance companies had ignored, up until last year, when calculating premiums for…

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Stay-at-Home Moms Need Life Insurance Too

Here's the best ways for buying life insurance for single moms.

By Byron Udell | May 7, 2014

Stay-at-Home moms need life insurance too. Think how much it could cost if you had to PAY for all her jobs. To hear more, read on. How would you react to a job offer where you were expected to work 24/7 in different capacities…sometimes as a cook, sometimes a nanny, sometimes a nurse?  That’s exactly…

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Don’t Let Your Family Lose Your Policy’s Death Benefits

Life insurance as investment tool?

By Byron Udell | April 1, 2014

There are over $1 billion worth of death benefits that have gone unclaimed. Why? Because the owners of these life insurance policies could not be located. Don’t let this happen to you. To find out how, read on. Data from a 2013 issue of Consumer Reports shows that there are over $1 billion left unclaimed…

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Dispelling Common Auto Insurance Myths

Auto insurance competitive rates are driving prices down.

By Byron Udell | February 28, 2014

You probably already have a good idea about the factors that affect your auto insurance premium rates and coverage. But how do you differentiate between truth and fiction? There’s a lot of stories that go around about how auto insurance companies determine rates – every thing from a dart board to a crystal ball. Time…

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Healthy Habits Equal Lower Life Insurance Premiums

Healthy habits can lower life insurance premiums.

By Byron Udell | February 18, 2014

The healthier you are, the lower your life insurance rates can be. To learn how to live a healthier lifestyle and lower life insurance premiums, read on. A lot of people invest in term life insurance because its affordable.  It’s the most affordable form of life insurance and a great way to make sure the…

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Not-So-Secret Factors That Affect Your Life Insurance Rates

What affects life insurance rates?

By Byron Udell | December 31, 2013

Have you ever wondered why insurers boost your life insurance rates? What exact personal information do insurance companies look for? To find out, read on. Ever wonder how your life insurance rated are determined? You could save some money by making a few changes to qualify for the best rates by keeping in mind the…

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November is National Long Term Care Awareness Month

senior couple waiting to cross the street edit

By Byron Udell | November 1, 2013

November is National Long Term Care Awareness Month.  If you’ve never considered Long Term Care Insurance (LTC), take some time now to go through the facts and consider these tips. LTC insurance is not as expensive as you might think.  Today, LTC providers are doing all they can to make Long Term Care insurance (LTC)…

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Don’t Let Your Family’s Death Benefits Go Unclaimed

Do you know the amount of your policy's death benefits?

By Byron Udell | August 16, 2013

Millions of dollars in life insurance death benefits go unclaimed every year. Don’t let this happen to your loved ones. Some shocking statistics: New York Life paid $3 billion in unclaimed death benefits in the year 2010 to families of individuals insured with them. Residents of New York State (eligible to receive claim checks because of legitimate…

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