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Is Long Term Care Insurance D.O.A.?

How can

By Byron Udell | July 12, 2017

Is Long Term Care insurance on life support? There are new insurance products now available that might offer better long term care benefits than a traditional LTC policy. Did you know that 70 PERCENT of people over age 65 will need long term care? And there’s a 91 PERCENT chance that either you or your…

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What Happens to Your Personal Debts After Death?

Funeral flowers on a tomb

By Byron Udell | May 22, 2017

The average American is carrying a personal level debt load of nearly $62,000. What do you think happens to YOUR personal debts after death? Good question. Did you know that most Americans die in the red? In other words, most people who leave this world exit it with a pretty hefty heap of debt. According…

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Does My Child Need Life Insurance?

kids playing in the park

By Byron Udell | May 9, 2017

Having life insurance for your child could pay dividends in the long term. To find out more about child life insurance, read on. Life Insurance for Children For many of you out there, child life insurance may be an unthinkable option. “My children aren’t earning, why should they be covered under life insurance?” “Insuring kids…

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What Does a Rated Life Insurance Policy Mean?

Pensive stylish businessman is making important task

By Byron Udell | April 24, 2017

As we all know, insurance companies are in the risk assessment business. But not all risks are the same. Especially when it comes to life insurance. So insurance carriers quantify risk levels with a simple rating system. Life insurance rates classes Most life insurance carriers have four rate classes. Typically, the four primary rate categories…

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Can You Get Life Insurance if You’ve Been in Jail?

Can you apply for life insurance in jail?

By Byron Udell | April 4, 2017

Think you can get life insurance with a “get out of jail” card? Can having been in jail be a barrier to getting coverage? Can you apply for life insurance in jail? Read on and find out. [Editor’s Note: This post was originally published on December 8, 2009, and has been completely revamped and updated.]…

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Can I Get Life Insurance if I Smoke Marijuana?

woman smoking a marijuana cigarette

By Byron Udell | March 14, 2017

With the recent stories in the news regarding the loosening of some laws (in certain states) pertaining to the recreational or medical use of pot…what are the options pertaining to getting marijuana life insurance? Here’s the latest dope on the subject. In the not-so-distant past, being a pot smoker meant that most of the good…

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Do You Have a Life Insurance Family Survivor Guide? (Part 2)

A Life Insurance Family Survivor Guide can help those left behind.

By Byron Udell | February 21, 2017

When a loved one dies, there are many legal matters that typically need to be dealt with rather quickly. In Part 1 of this two-part article, we talked about creating a Life Insurance Family Survivor Guide as an efficient way to organize important documents, in the event of a family member’s unforeseen death. In Part…

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Do You Have a Life Insurance Family Survivor Guide? (Part 1)

Know how to file a life insurance claim?

By Byron Udell | February 17, 2017

If you were to suddenly die, would those who are left behind know what to do next? If not, you might want to consider creating a Life Insurance Family Survivor Guide for your loved ones. In Part 1 of this informative two-part article, we’ll talk about how to do just that. There’s an old expression:…

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Should You Have a Contingent Life Insurance Beneficiary?

Is your employer-provided life insurance policy enough?

By Byron Udell | January 31, 2017

So what’s your life insurance beneficiary back-up plan? Consider listing a Contingent Life Insurance Beneficiary on your policy. It’s the smart thing to do. When you buy a life insurance policy, you must designate a beneficiary to receive your death benefit. The most common primary beneficiary is typically the spouse of the insured. So the…

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Can Diabetics Get Better Rates on Life Insurance?

Can diabetics get better rates on life insurance?

By Byron Udell | May 17, 2016

Are you a diabetic? Do you have life insurance? If not, there’s some good news. Diabetics may now be able to get better rates for life insurance. To learn more about diabetics life insurance options, read on. Did you know that actor Tom Hanks, singer Patti LaBelle and tennis legend Billie Jean King all have…

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