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.
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.
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.
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.
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.
