How to Avoid Buying the Wrong Life Insurance Policy
I show you how to avoid the wrong policyâpick the right type, term, and amount, trim costs, and choose smart riders with confidence.
Hi đđŒ Iâm Sharon
Iâm 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 QuoteâWe 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. â
â Marisol R., Houston, TX
âSharon didnât try to sell me the priciest option. She listened, ran the numbers, and lined up a policy that fit my budget without cutting corners.â
â Omar T., Detroit, MI
âApproval came through this morning. I can breathe again. You made the process simple and kept me updated the whole way. THANK YOU!â
â Janelle M., Baltimore, MD
Featured posts. Handpicked gems by the pro.
The Truth About Life Insurance Costs (What Agents Donât Tell You)
I explain what drives life insurance prices and how to pay lessâwithout losing protection.
What Life Insurance Agents Donât Tell You (But I Will)
I reveal how quotes, underwriting, riders, and term vs. permanent workâso you buy smart coverage with clear, no-pressure guidance.
Latest on life insurance. Practical tips, honest answers.
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 fitâso 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 wayâprimary vs contingent, per stirpes, minors, trusts, and payout choicesâso 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 pitchesâteaser quotes, weak riders, short terms, IUL hypeâand 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 itâs 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 valueâliving benefits, waiver, child rider, conversionâand the add-ons I skip to keep your bill lean.
6 min read
Sep 01
Why Some Life Insurance Policies Sound Good (But Arenât Worth It)
I expose flashy but weak life insurance offersâaccident-only, credit life, IUL hypeâand 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 ratingsâwhat 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 budgetsâcost, 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 mistakesâterm length, amount, riders, underwriting, beneficiariesâand 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 â savings â 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 mythsâquotes, work coverage, term vs permanent, riders, timingâso you buy smart protection with confidence.
6 min read
Aug 25
Best Questions to Ask Before Choosing Life Insurance Coverage
Ask smart questions to pick the right type, term, amount, riders, and price. Licensed agentâs checklist for coverage that fits your life.
6 min read