• Disability Insurance Awareness Month Part 2 May 5, 2021
    In the previous post I discussed what Disability Insurance Awareness month was and why Disability Insurance (DI) is important to have. Along with that was some very valuable information about how it is structured and the ways it can work for you. But I do want to pivot a bit and go over how you can figure out how much coverage you need, or if you need any DI […]
  • Disability Insurance Awareness Month Part 1 May 3, 2021
    May is once again Disability Insurance Awareness Month, when the insurance industry tries to let the public know the importance of having a disability insurance policy. As I say whenever I sit with a client or talk to a group, the Holy Trinity of insurance is your life insurance, your health insurance and your disability insurance (DI). That's how impor […]
  • How To Choose A Term Life Insurance Policy April 30, 2021
    Have you thought about what would happen to your family if you were to die too soon or unexpectedly? Making sure that your family can stay in their home without the stress of paying outstanding debt is important. But you want to make sure that taking care of this is affordable as well.This is where a term life insurance policy can fit the bill. Term life is […]
  • Who Are The 3 People On A Life Insurance Policy? April 28, 2021
    For most of us, buying a life insurance policy is a simple concept. We decide how much coverage we need, apply for the policy and name a beneficiary, who will receive the face amount when we die. But what if you have strange or unusual circumstances as to who the insured person is but someone else is paying for the policy?There are three "people" i […]
  • 3 Ways To Set A Good Financial Example For Your Family April 26, 2021
    One of the most intriguing things I have learned in my many years of being a life insurance agent is how values are handed down from one generation of a family to the next. This is almost always true for everything, from work ethics to religious beliefs. Most notably I see it with financial practices. For example, parents who have bad credit will also have a […]

  • Disability Insurance Awareness Month Part 2 May 5, 2021
    In the previous post I discussed what Disability Insurance Awareness month was and why Disability Insurance (DI) is important to have. Along with that was some very valuable information about how it is structured and the ways it can work for you. But I do want to pivot a bit and go over how you can figure out how much coverage you need, or if you need any DI […]
  • Disability Insurance Awareness Month Part 1 May 3, 2021
    May is once again Disability Insurance Awareness Month, when the insurance industry tries to let the public know the importance of having a disability insurance policy. As I say whenever I sit with a client or talk to a group, the Holy Trinity of insurance is your life insurance, your health insurance and your disability insurance (DI). That's how impor […]
  • How To Choose A Term Life Insurance Policy April 30, 2021
    Have you thought about what would happen to your family if you were to die too soon or unexpectedly? Making sure that your family can stay in their home without the stress of paying outstanding debt is important. But you want to make sure that taking care of this is affordable as well.This is where a term life insurance policy can fit the bill. Term life is […]
  • Who Are The 3 People On A Life Insurance Policy? April 28, 2021
    For most of us, buying a life insurance policy is a simple concept. We decide how much coverage we need, apply for the policy and name a beneficiary, who will receive the face amount when we die. But what if you have strange or unusual circumstances as to who the insured person is but someone else is paying for the policy?There are three "people" i […]
  • 3 Ways To Set A Good Financial Example For Your Family April 26, 2021
    One of the most intriguing things I have learned in my many years of being a life insurance agent is how values are handed down from one generation of a family to the next. This is almost always true for everything, from work ethics to religious beliefs. Most notably I see it with financial practices. For example, parents who have bad credit will also have a […]
  • 7 Times When You May Need Life Insurance April 23, 2021
    There are times in our lives when we need to start looking at purchasing a life insurance policy. These are events that can make a difference in our lifestyles, spending habits and social habits as well. And many times these changes do not only affect us, but our loved ones and business associates as well. With that in mind, here is a list of times when you […]
  • What Is Telemedicine? April 21, 2021
    Have you been in a situation where you are miles from home, perhaps on vacation, and a family member gets ill in the middle of the night? You don't have a family doctor nearby and you don't know if you should go to the local emergency room or not. Wouldn't it be nice if you could pick up the phone for some advice?Telemedicine is a virtual plat […]
  • What the Big Deal With Replacing My Policy? April 19, 2021
    A few weeks ago I was with a client who needed some extra life insurance. Actually, she needed quite a bit more, and we found a very suitable policy that fit right into her budget. She was happy with it and decided to proceed with the application. I began asking all the questions and everything was going well until we came to the question about replacements. […]
  • What Keeps You Up At Night? April 16, 2021
    One of the hard parts of being an insurance agent is getting people to have an honest conversation when it comes to their finances and how their situation affects future decisions. Some clients either don't want to discuss their goals or simply have not taken the time to figure out what their goals are. There have been many times when I have sat down wi […]
  • What Is The Convertibility Feature In Term Life Insurance? April 14, 2021
    People who buy term life insurance usually do it because it is extremely affordable and it fits well within their budget during their working years. At some point down the road, however, a permanent policy that can build cash value may seem more attractive. Perhaps the insured can afford to pay a bit more or they just don't need as much coverage. In oth […]