• "Group Benefits" For The Self-Employed December 6, 2022
    I spend a portion of my time working in the "voluntary benefits" arena as an enroller, or "benefits counselor". In a nutshell, I enroll benefits for large groups, like schools, hospitals and municipalities, for example. Typically I sit with an employee in a one-on-one meeting and review their current benefits and check to see if they need […]
  • Video: The Most Important Thing You Read All Day September 25, 2022
    Were you aware that this country has a looming retirement crisis? The truth is that far too many people are not contributing to any type of savings plan, including 401(k)s or SEP's. And far less have planned for long term care expenses, which could erode any savings that are in place. On top of that, only about 40% of people have the amount of life insu […]
  • Do You Have A Rainy Day Fund? August 23, 2022
    We often hear about people who need funds in an emergency. Someone who has a medical emergency, for example, may need some quick cash for hospital bills, deductibles, co-pays. Along with that could be a shortage of money to pay bills while out of work. A general rule of thumb has been to make sure you have six months of money saved to pay bills, but many rar […]
  • Should I Buy Term Life Insurance? August 15, 2022
    When I talk with clients about the differences in term and permanent life insurance I get a wide array of opinions. While most prefer term coverage because it is much cheaper, others would rather "lock in" on a price with some sort of permanent coverage. Actually, they can both do well if structured properly, while at the same time, stay in a budge […]
  • What Happens When You Can't Work? July 2, 2022
    We can presume that most of us enjoy earning a living, getting a paycheck (nowadays direct deposit is the norm) and having some discretionary, or "leftover" money to use after paying our bills. Those funds are what we use for the fun stuff, like eating a meal at a restaurant or seeing a movie or treating a friend to lunch. But what happens when tho […]

  • "Group Benefits" For The Self-Employed December 6, 2022
    I spend a portion of my time working in the "voluntary benefits" arena as an enroller, or "benefits counselor". In a nutshell, I enroll benefits for large groups, like schools, hospitals and municipalities, for example. Typically I sit with an employee in a one-on-one meeting and review their current benefits and check to see if they need […]
  • Video: The Most Important Thing You Read All Day September 25, 2022
    Were you aware that this country has a looming retirement crisis? The truth is that far too many people are not contributing to any type of savings plan, including 401(k)s or SEP's. And far less have planned for long term care expenses, which could erode any savings that are in place. On top of that, only about 40% of people have the amount of life insu […]
  • Do You Have A Rainy Day Fund? August 23, 2022
    We often hear about people who need funds in an emergency. Someone who has a medical emergency, for example, may need some quick cash for hospital bills, deductibles, co-pays. Along with that could be a shortage of money to pay bills while out of work. A general rule of thumb has been to make sure you have six months of money saved to pay bills, but many rar […]
  • Should I Buy Term Life Insurance? August 15, 2022
    When I talk with clients about the differences in term and permanent life insurance I get a wide array of opinions. While most prefer term coverage because it is much cheaper, others would rather "lock in" on a price with some sort of permanent coverage. Actually, they can both do well if structured properly, while at the same time, stay in a budge […]
  • What Happens When You Can't Work? July 2, 2022
    We can presume that most of us enjoy earning a living, getting a paycheck (nowadays direct deposit is the norm) and having some discretionary, or "leftover" money to use after paying our bills. Those funds are what we use for the fun stuff, like eating a meal at a restaurant or seeing a movie or treating a friend to lunch. But what happens when tho […]
  • What Is The Guaranteed Insurability Option? June 29, 2022
    One of the things that can confuse people when purchasing life insurance (and other types of coverage as well) is the various types of riders that are available. These riders are simply add-ons that can increase the coverage of your policy. One of these riders is the Guaranteed Insurability Option (GIO), also known as the Guaranteed Purchase Option (GPO). Th […]
  • 5 Times Your Income May 5, 2022
    When considering purchasing a life insurance policy many people aren't sure how much to purchase. There are many factors to consider like paying off debt and final expenses, but one part of the puzzle that often gets overlooked. I often meet people who say they just need enough to cover the balance of their mortgage with the idea that when they pass awa […]
  • What Is The Slayer Rule? March 7, 2022
    In a previous post from 2021 I discussed occasions when a life insurance policy wouldn't pay out. One example I briefly mentioned was the "slayer rule" or "slayer statutes", which prevents anyone from benefiting from murdering you, if they are suspected of murder or plotting to murder you. I had a few questions (off the record, nudge […]
  • 5 Ways We Are Different Than Our Competitors January 16, 2022
    For several months now I have spent a large amount of my time on marketing (or learning to market) our website. I'm realizing that there is a huge learning curve when it comes to getting your message out on social media sites. In this journey for knowledge, there have been times when I have found a new workaround or app that my own social media guy was […]
  • 6 Things To Consider When Buying Life Insurance December 20, 2021
    It's not unusual for someone to tell me something like, "I need $100,000 20-year term policy." For some reason that seems to be the default amount of insurance people ask for, so when I ask how they arrived at that amount of coverage the answers are vague and varied."That's what my cousin has so I figured that's what I need. […]