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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
