Term vs. Whole Life: Straight Talk for Real Budgets
I compare term vs whole life for real budgets—cost, timeline, riders, and a simple blend that you can keep without stress.
The Biggest Mistakes People Make With Life Insurance
I flag costly life insurance mistakes—term length, amount, riders, underwriting, beneficiaries—and shows simple fixes you can use today.
How Much Coverage Do You Need? A Simple, No-Fluff Formula
My simple formula: income years + debts + kids + final costs − savings − current coverage. Pick the right term and feel confident.
Common Life Insurance Myths That Could Cost You Money
I point out costly life insurance myths—quotes, work coverage, term vs permanent, riders, timing—so you buy smart protection with confidence.
Best Questions to Ask Before Choosing Life Insurance Coverage
Ask smart questions to pick the right type, term, amount, riders, and price. Licensed agent’s checklist for coverage that fits your life.
No-Exam vs. Medical Exam Life Insurance: What Actually Changes Your Rate
No-exam or exam? I explain what truly moves your rate and how to pick the faster or cheaper path for your profile.
Hidden Fees in Life Insurance Policies (And How to Spot Them)
I explain where life insurance fees hide—policy fees, loads, riders, COI, and surrender charges—and how to spot them fast.
Pitched an Indexed Universal Life (IUL)? Here’s Why I Don’t Sell Them
Considering an IUL? I break down caps, fees, loan risks, and better paths to protection you can keep without surprises.
Questions to Ask a Life Insurance Agent Before You Buy
Must-ask questions for your agent—fit, price, riders, term length, conversion, and claims—so you buy the right policy at a fair monthly cost.
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.
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.
