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Expert Advice

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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Quick Tips for Saving Money on Life Insurance

Some quick tips on saving money on life insurance.

By Byron Udell | January 31, 2013

You want to start saving money on life insurance? It’s not that hard. Just follow these great tips. There are some things in life you ought to do your homework on. One of these things is life insurance. When you’re ready to purchase a policy, make sure to look through this list of tips –…

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Smoking and Life Insurance are Not a Good Combo

By Byron Udell | April 18, 2012

Think smoking is cool? You know what’s NOT cool? Paying sky-high smokers rates for life insurance. In short, smoking and life insurance are not a good match. Although movies make smoking look really cool…and let’s be honest, it makes gangsters look pretty intimidating…the habit is nothing but a disaster. Not only does it literally suck…

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The Cost of Lying on Your Life Insurance Application

Chalkboard Displaying Life Insurance 101 in large letters

By Byron Udell | October 5, 2009

Lying on your life insurance application can come back to bite you on the butt big time. To find out why, read on. An affordable life insurance policy is easy to find, so there’s no need to lie on your application. Since term life insurance rates are near historic lows, almost everyone can find a…

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Insurable Interest Explained

By Byron Udell | October 28, 2008

What is Insurable Interest? A lot of people often ask the question, “what is insurable interest and why is it a must have when buying a life insurance policy?” For purposes of life insurance policies, everyone is considered to have an insurable interest in their own lives and in the lives of their spouses and…

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How IRS Tax Exempt Rules Affect Key Man Life Insurance

Here's some life insurance benefits you may not know about.

By Byron Udell | July 25, 2008

How does the 2008 IRS tax exempt rules Key Man Life Insurance for S-Corporations? To find out, read on. A 2008 Internal Revenue Service addressed the tax exempt treatment of life insurance policy proceeds on Key Man life insurance policies of Sub-chapter S-Corporations; medical and/or otherwise. The 2008-42 Revenue Ruling addresses the issue of whether…

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Dealing with Death and Life Insurance Beneficiaries

Dealing with death and Life Insurance beneficiaries.

By Byron Udell | April 16, 2007

When a loved one dies, there are many things that the survivors need to attend to. One important issue is tracking down the life insurance beneficiaries? To find out more, read on. The death of a loved one is a difficult subject for almost everyone.  We have prepared a very useful checklist of things that…

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