Life insurance has many applications towards providing benefits for families. The first is that Life Insurance can make certain that there are funds in place to ensure your family stays in your home if there is an untimely death. Life insurance provides a death benefit that is free from federal income tax. Yet your family [...]

If you didn’t already know term life insurance has been at an all time low for the past several years now.  Unfortunately, the recent credit collapse has had an effect on life insurance premiums, according to Bob Barney, president of Compulife Software, Inc., a corporation that designs life insurance comparison software used by insurance companies [...]

Would you like to start a savings account for your child? Would you like to have something to pass on to them when they get ready to leave the nest? A Universal Life Insurance Policy can be just the thing to benefit both you and your children. Here’s why: One of the first advantages of [...]

Recently I have been working with a number of people who are looking for life insurance but don’t want to take a physical exam. The purpose of this blog is to discuss the difference in cost and benefit regarding life insurance policies that require and exam and life insurance policies that do not require an [...]

Recently I have been asked by many of clients and prospective clients in regards to the ratings given to insurance companies. Earlier in my practice this topic of conversation was easily overlooked and some what dismissible but lately this conversation has generated some attention and rise for concern which prompted this particular blog. I think [...]

What I want to talk about today is the unique advantage that business owners have regarding life insurance as an investment tool.  No! I am not talking about Whole Life.  The argument of Life Insurance being a good investment will continue to go on as long as birds fly.  If you would like my opinion [...]

Here are some things that are good to know if you are in a position where you need life insurance and yet you use tobacco products. I want to discuss which companies are favorable and why. I promise you this, if you smoke or chew tobacco there is information here that will save you money. [...]

How much life insurance do I need? A common question asked by many young families. Some people say that you should take ten times your annual income to calculate the policy amount. Some use other formulas to figure the number that best suits them. Today I’d like to talk about the how much life insurance [...]

Shopping for insurance online can be a very pleasant experience or it can be a complete nightmare. Let’s take a second to discuss and mention the do’s and don’ts of online life insurance shopping. Most people when looking for life insurance go about shopping for it the same way as they do car insurance. Instinctively [...]