• 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 […]

  • 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. […]
  • Why Life Insurance Is Necessary For Blended Families November 11, 2021
    As the holidays approach, the idea of taking care of our family means more to us. Having our loved ones get together for a nice meal and gift giving leaves us with great memories. However, when we think of the "traditional family" we think of a husband and wife and their two or three children, who all live together in one home until the kids become […]
  • What The Heck Is An Elimination Period? November 4, 2021
    As you may know, I often refer to the "Holy Trinity Of Insurance", which consists of major medical insurance, life insurance and, of course, disability insurance. Many people have a disability insurance (DI) policy through their work, but unfortunately, not enough people who are contract employees, business owners and otherwise "self-employed […]
  • We Only Sell You What You Need! (and some humor) October 22, 2021
    We have all heard the adage that a good salesperson can sell ice to an Eskimo. But a salesperson with integrity will ask, "Does that Eskimo really need ice, and if not, why are you selling it to him or her?"  The question implies that sales people, entrepreneurs, contract employees and business owners must do their absolute best to come off as hone […]
  • Is Life Insurance Through Your Work Enough? October 7, 2021
    Many of us who are self-employed don't always get to enjoy the perks of group benefits, like medical coverage and paid time off. But for those who do have jobs where the company pays for extra perks, those perks may be good, but not awesome.One of the issues I run into quite often with people who have "bennies" through work is the idea that th […]