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.
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 agent’s checklist for coverage that fits your life.
6 min read
Aug 22
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.
6 min read
Aug 21
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.
6 min read
Aug 20
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.
6 min read
Aug 19
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.
5 min read
Aug 18
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.
6 min read
Aug 18
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.
6 min read
Aug 17
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.
7 min read