How Age Banding Works (And Why Your Birthday Can Raise Your Rate)
Insurance age can flip months before your birthday. Learn ANB vs ALB, save-age backdating, and simple moves that keep your life insurance rate lower.
The Waiting Periods That Catch Life Insurance Applicants Off Guard
From contestability and suicide clauses to graded benefits and rider delays—see the timing rules that affect real payouts and how to avoid gaps.
Legal & General Life Insurance Review: Term Rates, Approval Speed, and Who It Fits Best
A detailed Legal & General life insurance review covering term rates, approval speed, underwriting, pros, cons, and who should apply.
How Carriers Use Predictive Analytics to Assess Your Risk
Carriers score risk with data checks and models. Learn what they use, how it shapes your class, and easy steps to earn a faster, cheaper “yes.”
Mutual of Omaha Life Insurance Review: Pros, Cons, Rates, and Who It’s Best For
An honest Mutual of Omaha life insurance review covering rates, policy options, pros, cons, and who should or should not apply.
The Truth About Reinsurance and How It Affects Your Life Insurance Rates
Reinsurance shapes price, approvals, and product choices. Learn how it works—and how to use it to keep your life insurance rate fair and fast.
The Truth About Replacement Policies and Why Some Switches Backfire
Before you switch policies, learn the traps: new contestability, lost conversion, surrender charges, weak guarantees, and gaps that leave you exposed.
Why Your Policy’s Contestability Period Is More Serious Than You Realize
Contestability is a two-year review window. Learn what carriers check, what resets the clock, and simple steps that keep claims fast and clean.
Term Lengths Explained: How to Pick the Right Years for Your Family
Pick 10, 15, 20, 25, 30, 35, or 40-year term using clear date anchors—mortgage, kids, retirement—and smart ladder combos from a licensed agent.
What I Learned Helping a Family File a Life Insurance Claim After a Sudden Loss
Learn what really happens after a sudden loss—and how to ensure your family’s life insurance claim is paid quickly and without stress.
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.
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.
