All Posts By Staff Writer
The Staff Writers at are insurance and financial services professionals with significant industry experience. The team's experience and expertise help to provide consumers with a variety of educational content related to life insurance and annuities.
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Navigating the Life Insurance Two-Year Contestability Period

Are you considering purchasing a life insurance policy? If so, it's essential to understand the life insurance two-year contestability period and its implications. During this time, the insurance company has the right to investigate any claims made under the policy, searching for any misrepresentations or omissions in the application. The contestability period typically starts from the…
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Understanding Average Funeral Costs and Expenses

Funeral costs can be a significant financial burden during an already difficult time. That's why it's essential to understand exactly what you're looking at in terms of expenses. In this article, we delve into the elements influencing average funeral costs, giving you the information needed to make informed decisions in planning a funeral and covering…
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Demystifying the Life Insurance Medical Information Bureau

Are you considering buying life insurance but feel overwhelmed by the process? Understanding the role of the Life Insurance Medical Information Bureau (MIB) can demystify some of the complexities. In this article, we will break down what you need to know about the MIB and how it impacts your life insurance application. The MIB serves as a…
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Benefits of Laddering Term Life Insurance Policies

Are you looking for a cost-effective and flexible life insurance solution? Look no further than laddering term life insurance policies. Laddering term life insurance involves purchasing multiple policies with different term lengths. By staggering the coverage, you can tailor your protection to meet your evolving needs and financial goals. In this article, we will explore the…
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Understanding Required Minimum Distributions (RMDs)

Are you approaching retirement age? If so, it’s crucial to understand Required Minimum Distributions (RMDs) and how they can impact your retirement savings. In this article, we will demystify RMDs and provide you with the essential information you need to know. RMDs are a requirement set by the Internal Revenue Service (IRS) that states individuals…
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Exploring Social Security Election Options

Are you approaching retirement age and feeling overwhelmed by the options available for your Social Security election options? Making the right choice can have a significant impact on your financial future. That's why it's crucial to explore your options thoroughly and understand how each decision will affect your benefits and retirement income. In this article, we will…
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Term Life Insurance Conversion Policy Options

Term life insurance is an excellent choice for individuals looking for affordable and straightforward coverage for a specific period. However, what happens when coverage needs change, or the term comes to an end? That's where term life insurance conversion comes into play. By converting your policy, you can extend your coverage without the hassle of…
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Understanding a Life Insurance 1035 Exchange

Are you considering exchanging one life insurance policy for another but want to make sure that you maximize your tax benefits? If so, you may want to consider a 1035 exchange with life insurance. This strategy can allow you to transfer funds from one life insurance policy to another without triggering a taxable event.  It…
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Life Insurance for Physicians: Diagnosing Coverage Needs

As a physician, you dedicate your life to the well-being of others. You tirelessly work long hours, make crucial decisions, and provide exceptional care to your patients. However, amidst your commitment to your profession, have you considered your own financial security and the future of your loved ones? Life insurance is a crucial aspect of financial planning…
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