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 dedicated to making the process simple and stress-free. I offer expert guidance and honest comparisons across various carriers, ensuring you get the coverage that fits your budget and lifestyle.
Start Your Free Quote“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.
Feb 01
How Age Banding Works (And Why Your Birthday Can Raise Your Rate)
Insurance age can flip months before your birthday. Learn ANB vs ALB, save-age backdating, and simple moves that keep your life insurance rate lower.
6 min read
Jan 19
The Waiting Periods That Catch Life Insurance Applicants Off Guard
From contestability and suicide clauses to graded benefits and rider delays—see the timing rules that affect real payouts and how to avoid gaps.
7 min read
Jan 13
Why Actuarial Assumptions Shape Your Premium (Even If Your Health Is Perfect)
Even perfect health isn’t the whole price. See how mortality, yield, expenses, bands, and term rules set your premium—and the levers you can pull.
6 min read
Jan 06
Why Timing Matters More Than People Realize When Applying for Life Insurance
Birthdays, quit dates, follow-ups, and exams shift your price. Learn the best week to apply and lock a lower life insurance rate that lasts.
6 min read
Jan 01
What Happens After Your Application Leaves the Agent’s Desk
From data checks to underwriting, approvals, and delivery—see every step your life insurance app takes and how to speed it up.
7 min read
Dec 29
How Financial Ratings Impact the Long-Term Strength of Your Life Insurance Policy
Learn how AM Best, S&P, Moody’s, Fitch, and Comdex scores affect long-term stability, dividends, crediting, conversions, and your real-world policy.
6 min read
Dec 22
Why Some Policies Require APS Reports (And How They Influence Your Outcome)
APS requests verify your health story. Learn why carriers ask, how it affects price and timing, and simple steps that speed approvals.
6 min read
Dec 18
Legal & General Life Insurance Review: Term Rates, Approval Speed, and Who It Fits Best
A detailed Legal & General life insurance review covering term rates, approval speed, underwriting, pros, cons, and who should apply.
5 min read
Dec 17
How Carriers Use Predictive Analytics to Assess Your Risk
Carriers score risk with data checks and models. Learn what they use, how it shapes your class, and easy steps to earn a faster, cheaper “yes.”
6 min read
Dec 16
Mutual of Omaha Life Insurance Review: Pros, Cons, Rates, and Who It’s Best For
An honest Mutual of Omaha life insurance review covering rates, policy options, pros, cons, and who should or should not apply.
5 min read
Dec 15
The Truth About Reinsurance and How It Affects Your Life Insurance Rates
Reinsurance shapes price, approvals, and product choices. Learn how it works—and how to use it to keep your life insurance rate fair and fast.
7 min read
Dec 10
How the MIB Really Works (And What It Means for Your Life Insurance Approval)
MIB stores high-level codes from past applications. Learn what it holds, how it affects underwriting, and easy steps to keep your approval fast.
6 min read