Final Expense
Life Insurance for Grandparents: What to Know
Maybe you want to leave a little something for your grandkids. Maybe you are helping raise one of them and you worry about who would step in if something happened...
Articles & Guides
Life insurance, explained in plain English.
Honest articles written by our licensed team. No jargon, no fluff, just the information you need to make the right decisions.
Health and Underwriting
Life Insurance With a History of Stroke: Your Real Odds
You had a stroke, or maybe a TIA a couple of years back, and now you want to know if any company will still cover you. Yes, coverage is usually...
Health and Underwriting
Life Insurance With a Pacemaker: Getting Approved
You have a pacemaker, and you want to know if it kills your chances at life insurance. It does not. People with pacemakers get approved all the time, and a...
Coverage Planning
Do Beneficiaries Pay Taxes on Life Insurance?
You bought life insurance so your family would have money when they need it. So it’s a fair and important question to ask: when that payout arrives, will the government...
Coverage Planning
Life Insurance for Newlyweds: Your First-Year Setup
You just got married, and somewhere between the thank-you cards and figuring out whose lease you’re keeping, someone mentioned life insurance. Maybe a parent brought it up. Maybe it was...
Health and Underwriting
Does Taking Ozempic Affect Your Life Insurance?
You started a GLP-1 medication like Ozempic, Wegovy, or Mounjaro, and things are going well. Your weight is down, your bloodwork looks better, and you feel more like yourself. Then...
Coverage Planning
The 10-Minute Mid-Year Life Insurance Check-Up
We’re halfway through the year. It’s the kind of quiet checkpoint that makes people glance at their goals, their budget, maybe their New Year’s resolutions that didn’t quite survive February....
Coverage Planning
Living Benefits: Using Life Insurance While Alive
When you think about life insurance, you probably picture it doing its job after you’re gone: a benefit paid to your family to help them carry on. That’s the heart...
Coverage Planning
Should You Name Your Child as a Beneficiary?
It feels like the most natural thing in the world. You’re buying life insurance to protect your kids, so when the form asks who should receive the money, you write...
Health and Underwriting
Denied for Life Insurance? Why It Happens, What's Next
You applied for life insurance, you waited, and the answer came back as a no. It’s a deflating feeling, and it’s easy to take it personally, as if a company...
Coverage Planning
How Much Life Insurance Do New Parents Need?
The baby is here, or nearly here, and suddenly everything feels higher stakes. You’re not just planning for yourself and your partner anymore. There’s a small person who will depend...
Coverage Planning
Buying Life Insurance for Your Elderly Parents
You’ve probably thought about it more than once. If something happened to your mom or dad, would you be able to cover the funeral, the final medical bills, and the...
Health and Underwriting
Getting Life Insurance While Pregnant: What to Expect
You’re expecting a baby, your mind is running through everything you need to get ready, and somewhere on that list is a question that feels a little heavy: should I...
Coverage Planning
Term Life Conversion: Keeping Coverage When Term Ends
If you bought a term life insurance policy years ago, there’s a feature inside it you may have never thought about. It’s quietly one of the most valuable parts of...
Health and Underwriting
Life Insurance with Asthma: What to Expect
If you have asthma and you’re thinking about life insurance, you may be bracing yourself for bad news. Maybe you’ve heard that any breathing condition makes coverage expensive, or you’ve...
Coverage Planning
Living Benefits on Life Insurance, Explained
When most people think about life insurance, they picture a benefit that gets paid out after someone passes away. That’s the core of it. But there’s a feature built into...
Coverage Planning
The Life Insurance Ladder Strategy, Explained Simply
Most people buy life insurance the simple way. They pick one coverage amount, choose one term length, and pay the same premium every month for as long as the policy...
Coverage Planning
Should You Buy Life Insurance for Your Child?
If you’ve ever been pitched life insurance for your child, or seen a relative buy a small policy for a new grandbaby, you may have felt a little torn. Part...
Coverage Planning
What Happens to Life Insurance When You Change Jobs
You’ve accepted a new role, given your notice, or you’re somewhere in the middle of a career move. There’s a long list of things to sort out, and somewhere on...
Health and Underwriting
Life Insurance with Multiple Sclerosis: Your Options
If you’ve been diagnosed with multiple sclerosis, one of the questions that may be sitting in the back of your mind is whether you can still get life insurance. Maybe...
Health and Underwriting
Life Insurance After a DUI on Your Record
If you have a DUI or DWI on your record, you may be wondering whether life insurance companies will even consider your application. Maybe you’ve heard that a DUI makes...
Coverage Planning
How Long Does It Take to Get Life Insurance?
You’ve decided you need life insurance, and now you want to know: how long is this actually going to take? A few days? A few months? The answer depends on...
Coverage Planning
Do You Need Life Insurance If You're Single?
You’re single, maybe no kids, maybe no mortgage, and someone has suggested you look into life insurance. Your first thought is probably: who would the money even go to?
Health and Underwriting
Life Insurance If You Use Marijuana
You use marijuana, maybe recreationally on weekends, maybe medicinally for chronic pain or anxiety, and now you’re wondering what that means for life insurance. Will you be automatically classified as...
Health and Underwriting
Life Insurance After a Heart Attack
If you’ve survived a heart attack, you’re probably wondering whether life insurance is even an option anymore. Maybe you’ve already been turned down, or maybe you’ve been putting off the...
Coverage Planning
Why Stay-at-Home Parents Need Life Insurance Too
When families talk about life insurance, the conversation almost always starts with the working spouse. That makes sense on the surface: they’re the one bringing in income, and losing that...
Coverage Planning
What Happens to Life Insurance When You Retire
You’ve spent decades building toward retirement, and you’ve probably thought through the big pieces: your savings, your pension or Social Security, your healthcare. But there’s one benefit that quietly disappears...
Coverage Planning
Life Insurance for Single Parents: A Practical Guide
When you’re the only parent in the house, everything runs through you. The income, the childcare, the school pickups, the decisions about what happens next. If something happened to you...
Health and Underwriting
Life Insurance with COPD: Your Options Explained
If you’ve been diagnosed with chronic obstructive pulmonary disease, you’ve probably wondered whether life insurance is even possible. Maybe you’ve already been told it’s going to be expensive, or you’ve...
Coverage Planning
Life Insurance for Veterans After Leaving the Military
If you recently left the military or you’re planning to separate soon, one of the biggest financial loose ends to tie up is your life insurance. Your Servicemembers’ Group Life...
Coverage Planning
Divorce and Your Life Insurance
If you’re going through a divorce, or recently finalized one, life insurance probably isn’t the first thing on your mind. Between dividing assets, working out custody, and rebuilding your life,...
Coverage Planning
Beneficiary Mistakes That Cost Families
You did the responsible thing. You bought a life insurance policy to protect your family. But there’s a quiet assumption most people make after that: the right person will get...
Health and Underwriting
Life Insurance When You're Overweight
If you’ve been putting off life insurance because you’re worried about your weight, you’re not alone. A lot of people assume that being overweight means they’ll either be turned down...
Health and Underwriting
Life Insurance with AFib: What to Know
If you’ve been diagnosed with atrial fibrillation, you might assume life insurance is out of reach. That’s a common fear, and an understandable one. But the reality is more nuanced...
Health and Underwriting
Life Insurance with Sleep Apnea: What to Know
You’ve been diagnosed with sleep apnea, and now you’re wondering what that means for getting life insurance. Maybe you’re already using a CPAP machine and feeling better than you have...
Coverage Planning
Why Self-Employed People Are Often Underinsured (And What to Do About It)
You left your 9-to-5 to do your own thing. Maybe you’re freelancing, running a small business, consulting, or working as an independent contractor. You’ve figured out self-employment taxes, health insurance,...
Coverage Planning
What Really Happens When Your Family Files a Life Insurance Claim
Most conversations about life insurance focus on buying a policy: which type, how much coverage, what you can qualify for. But there’s a part of the process that rarely gets...
Health and Underwriting
Life Insurance with Depression or Anxiety: What Insurers Actually Look At
If you’ve ever been treated for depression or anxiety, you may have wondered whether that shows up when you apply for life insurance and, if so, whether it means you’ll...
Health and Underwriting
Life Insurance After Cancer: What Survivors Need to Know About Getting Approved
You beat cancer. That’s the hardest part. But now, as you’re rebuilding your life and thinking about what comes next for your family, a new question comes up: can I...
Health and Underwriting
Life Insurance with Chronic Kidney Disease: What to Expect and What Your Options Are
If you’ve been diagnosed with chronic kidney disease, you might be wondering whether life insurance is still possible. Maybe you’ve heard that health conditions automatically disqualify you, or you’ve been...
Coverage Planning
What Is Cash Value Life Insurance and How Does It Work?
You have probably heard the term “cash value life insurance” but may not be entirely sure what it means or whether it is relevant to you. Here is a straightforward...
Coverage Planning
What Happens to Your Life Insurance When You Die? A Step by Step Guide
Nobody likes thinking about this. But understanding what actually happens when a life insurance policy pays out can give you real peace of mind knowing your family will not be...
Coverage Planning
Term vs Whole Life Insurance: Which One Is Right for You?
If you have started looking into life insurance, you have probably run into the term vs whole life debate pretty quickly. There are strong opinions on both sides, and it...
Coverage Planning
Should I Get Life Insurance for My Child?
The idea of buying life insurance on a child makes a lot of parents uncomfortable at first. The immediate reaction is usually, “Why would I need a death benefit on...
Health and Underwriting
Life Insurance With High Blood Pressure: What You Need to Know
If you have been diagnosed with high blood pressure and are wondering whether you can still get life insurance, the short answer is yes. High blood pressure is one of...
Health and Underwriting
Can You Get Life Insurance With a Heart Condition?
A heart condition diagnosis can feel like it closes a lot of doors. When it comes to life insurance, many people assume it closes that door too. But for the...
Health and Underwriting
Life Insurance With Diabetes and Other Conditions: A Complete Guide
If you have diabetes along with one or more other health conditions, you might feel like life insurance is out of reach. Between managing your health, keeping up with medications,...
Health and Underwriting
Life Insurance With COPD: Which Carriers Approve Coverage
If you have been diagnosed with COPD and assumed life insurance was off the table, that is not the case. Many people with COPD qualify for coverage, and some qualify...
Coverage Planning
Life Insurance for Veterans: VA Benefits vs Private Coverage
If you are a veteran, you may already have some level of life insurance through the VA. Programs like SGLI (Servicemembers’ Group Life Insurance) and VGLI (Veterans’ Group Life Insurance)...
Coverage Planning
Life Insurance for Stay-at-Home Parents: Why It Matters More Than You Think
When families think about life insurance, the conversation usually starts with the primary earner. That makes sense. If the person bringing home the paycheck passes away, the family needs that...
Health and Underwriting
Life Insurance for Smokers: Which Carriers Offer the Best Rates
If you smoke and you have been told that life insurance is either too expensive or not worth pursuing, that is not the full picture.
Coverage Planning
Life Insurance After 50: Your Options and What They Cost
If you are over 50 and either do not have life insurance or are not sure if what you have is enough, you are not alone. Many people reach this...
Coverage Planning
How to Choose a Life Insurance Beneficiary (And Mistakes to Avoid)
Your life insurance policy can provide hundreds of thousands of dollars in tax-free money to the people you love most. But that money only goes where you tell it to...
Coverage Planning
How Much Life Insurance Do I Actually Need? A Simple Formula
This is probably the most common question people ask when they start thinking about life insurance. And honestly, it is one of the most important ones to get right.
Final Expense
Best Life Insurance for Seniors Over 70 With No Medical Exam
If you are over 70 and looking for life insurance, you are not too late. But you do need to know where to look, because the options available to you...
Health and Underwriting
Life Insurance With Type 2 Diabetes: What Carriers Approve Without a Huge Rate Hike
Having type 2 diabetes does not mean you cannot get life insurance. Most people with type 2 diabetes qualify for coverage, and many qualify at preferred or standard rates with...
Coverage Planning
Is My Life Insurance Through Work Actually Enough?
If you have life insurance through work, you probably feel like you have that box checked. Most people do. But employer-provided life insurance has real limitations that most people do...
Final Expense
How Much Does Final Expense Insurance Cost at Age 65, 70, and 75?
If you are 65, 70, or 75 and wondering what final expense insurance actually costs, the honest answer is that it depends on your age, your health, whether you smoke,...
Final Expense
Guaranteed Issue vs Simplified Issue Life Insurance: Which One Do I Qualify For?
If you have been shopping for final expense or burial insurance, you have probably seen the terms simplified issue and guaranteed issue. Both let you get coverage without a full...
Final Expense
Can You Get Affordable Life Insurance at 60 Without a Medical Exam?
Yes, you can get life insurance at 60 without a medical exam. In fact, most of the policies designed for people in their 60s skip the exam entirely. What you...