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
Sharon Mbakile
Licensed Life Insurance Agent
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
Aug 29
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.
6 min read
Aug 28
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.
6 min read
Aug 27
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.
5 min read
Aug 26
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.
6 min read