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.
Nov 15
Why Some People Get Denied for Life Insurance (Even With Good Health)
Good health, denied policy? Learn the real reasons—data checks, non-medical flags, carrier fit—and how to turn a no into a fair approval.
7 min read
Nov 14
Why Buying Life Insurance Online Isn’t Always the Shortcut It Seems
Online quotes are fast, but hidden settings, weak riders, and teaser classes can cost you. Use these checks to get a policy that holds up and pays fast.
7 min read
Nov 13
He Said He Didn’t Need Life Insurance — His Wife Now Knows Different
How one family learned the hard way that skipping life insurance isn’t saving money—it’s risking everything.
5 min read
Nov 12
Whole Life Looks Different After the Fed’s Rate Cut
The Fed’s recent rate cut is reshaping whole life insurance dividends and cash values. Here’s how to take advantage before changes roll in.
3 min read
Nov 11
No-Exam Life Insurance Policies Keep Growing — Are They Right for You?
No-exam life insurance is surging in popularity — faster approvals and more access. But are the trade-offs worth it for your family’s protection?
2 min read
Nov 10
Data Breach Reminder: How to Protect Your Life Insurance Policy Information
Insurance data breaches are rising. Learn the exact steps to protect your policy information, reduce identity-theft risk, and keep your family’s coverage safe.
6 min read
Nov 09
Workplace Life Insurance Is Rebounding — But Coverage Gaps Remain
Workplace life insurance participation is rising again, but many families still don’t have enough coverage. Here’s what the rebound really means.
3 min read
Nov 09
How Agents Get Paid (And Why It Matters to You)
See how agents earn commissions, where bias can creep in, and the exact questions to keep recommendations honest and your price fair.
6 min read
Nov 08
Unclaimed Life Insurance Benefits Are Still Being Found — Check Your Family Today
Billions in life insurance benefits remain unclaimed. Learn how you and your family can find unclaimed policies and ensure entitled payouts are received.
2 min read
Nov 08
How Lifestyle Choices Really Impact Your Life Insurance Rate
How nicotine, BMI, alcohol, labs, driving, hobbies, and sleep habits shape your life insurance rate, with quick fixes from a licensed agent.
6 min read
Nov 07
The Fine Print That Can Void Your Life Insurance Payout
Learn how contestability, suicide clauses, lapses, exclusions, loans, and beneficiary errors affect your payout—plus quick fixes that keep claims on track.
6 min read
Nov 07
Seniors Ask: What Age Is Too Late to Buy Life Insurance?
Wondering if it’s too late to buy life insurance? Seniors over 70 have options—here’s what age, health and policy type really mean for you.
2 min read