Articles & Guides
Honest articles written by our licensed team. No jargon, no fluff, just the information you need to make the right decisions.
Coverage Planning
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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...