How to Avoid Buying the Wrong Life Insurance Policy
I show you how to avoid the wrong policy—pick the right type, term, and amount, trim costs, and choose smart riders with confidence.
Hi 👋🏼 I’m Sharon
I’m a licensed life insurance agent. I compare 10 to 15 carriers and text you your best options in minutes. Tap Text me now and send “QUOTE” to start.
📲 Text me now“We just bought our first home and had a new baby, so my head was spinning. Sharon compared quotes from several carriers and found a 30-year term that fit our budget. ”
— Marisol R., Houston, TX
“Sharon didn’t try to sell me the priciest option. She listened, ran the numbers, and lined up a policy that fit my budget without cutting corners.”
— Omar T., Detroit, MI
“Approval came through this morning. I can breathe again. You made the process simple and kept me updated the whole way. THANK YOU!”
— Janelle M., Baltimore, MD
Featured posts. Handpicked gems by the pro.
The Truth About Life Insurance Costs (What Agents Don’t Tell You)
I explain what drives life insurance prices and how to pay less—without losing protection.
What Life Insurance Agents Don’t Tell You (But I Will)
I reveal how quotes, underwriting, riders, and term vs. permanent work—so you buy smart coverage with clear, no-pressure guidance.
Latest on life insurance. Practical tips, honest answers.
Oct 01
Why Cheaper Life Insurance Isn’t Always the Better Deal
Cheap isn’t value. I explain how term length, health class, riders, billing, and conversion make a policy worth keeping.
7 min read
Sep 24
Life Insurance Secrets Agents Rarely Share (And Why You Need to Know Them)
I reveal real pricing levers, conversion rules, riders, term length picks, and money-saving tips—so you buy coverage with confidence.
6 min read
Sep 20
How to Read a Life Insurance Illustration Without Getting Burned
Step-by-step guide to reading life insurance illustrations—guarantees, fees, loans, riders, and stress tests so you buy with confidence.
6 min read
Sep 16
How to Tell If Your Life Insurance Policy Is Actually a Good Deal
My checklist to judge your policy—fit, pricing, fees, riders, conversion, and claims—for strong coverage at a fair cost.
5 min read
Sep 12
The Coverage Gaps That Leave Families Unprotected
I show the hidden gaps—work-only coverage, short terms, weak beneficiaries, missing riders—and how to fix them fast.
6 min read
Sep 08
What to Look For in a Life Insurance Policy (That Most People Overlook)
My checklist: conversion, fees, billing mode, riders, term length, beneficiaries, and carrier fit—so your policy works when you need it.
6 min read
Sep 05
Beneficiaries and Payouts: Setups That Prevent Delays and Family Headaches
Set beneficiaries the smart way—primary vs contingent, per stirpes, minors, trusts, and payout choices—so claims pay fast with no drama.
7 min read
Sep 04
Red Flags in Life Insurance Pitches I Hear Every Week
I share red flags in pitches—teaser quotes, weak riders, short terms, IUL hype—and the questions that get clear answers fast.
5 min read
Sep 03
Term Conversion: When Upgrading Makes Sense and When to Pass
Thinking about term conversion? See when it’s smart, when to skip, and how partial conversion creates lifetime coverage without blowing your budget.
7 min read
Sep 02
Life Insurance Riders: Which Add-Ons Are Worth It and Which I Skip
I rank riders that deliver value—living benefits, waiver, child rider, conversion—and the add-ons I skip to keep your bill lean.
6 min read
Sep 01
Why Some Life Insurance Policies Sound Good (But Aren’t Worth It)
I expose flashy but weak life insurance offers—accident-only, credit life, IUL hype—and show you clean options that protect families.
6 min read
Aug 30
Rate Classes Explained: Preferred, Standard, and Table Ratings in Plain English
A guide to Preferred, Standard, and Table ratings—what moves your class, how carriers differ, and ways to lower your premium.
6 min read