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Maximize Retirement Income with an Immediate Annuity

As retirement approaches, you may be wondering how to optimize income during your golden years. One option is to maximize retirement income with an immediate annuity. An immediate annuity is a type of insurance product that provides guaranteed income for life, or a set period of time, in exchange for a lump sum payment. This…

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Spend Your Children’s Inheritance with Life Insurance

As a parent, you want the best for your children, and work hard to provide for them and leave a lasting legacy. Life insurance can provide peace of mind, knowing that your family will be provided for financially at your passing. However, it can also be an effective means of providing your children with an inheritance separate…

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Buy-Sell Agreement Using Life Insurance for Succession

As a business owner, you have committed countless hours of hard work and dedication to build your company from the ground up. However, have you ever stopped to think about how the business would survive if something unexpected were to happen to you or your business partner? Planning for the inevitable is crucial for the…

Life Insurance with Accelerated Benefits

In considering the purchase of life insurance, the policy death benefit is routinely a primary concern. This death benefit provides a tax-free payment to beneficiaries in the event of an insured's passing. However, families often experience unexpected circumstances that may not necessarily involve the death of a loved one, but still present financial challenges. Common questions often…

Annuities | Principal Protection & Lifetime Income

In working with consumers related to insurance and financial services, conversations often turn to planning for retirement. Whether you are just starting to save for the future or are currently transitioning into retirement, this can be a complicated and confusing topic. Common questions related to annuities often include… What is an annuity? When should someone…

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Credit Scores | What is a good credit score?

In working with consumers related to life insurance coverage, many applicants are surprised to learn that insurance companies routinely check credit and credit scores as part of the standard underwriting process. This requirement often brings up questions about personal credit such as... What is a good credit score? How can I check my credit profile? Or… How can…

Getting the Best Life Insurance Rates | 13 Insider Savings Tips

In considering life insurance to protect your loved ones, it is important to get the best rates possible. However, finding affordable life insurance can sometimes be easier said than done for consumers navigating the complicated and ever-changing world of insurance. These challenges are completely understandable given the complexity of different policy options and the overwhelming number of…

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Life Insurance Coverage for Stay-at-Home Parents

In many instances, families make the decision for one parent to stay home to care for young children while the other works to provide financially for the household. Given that the stay-at-home parent makes significant contributions to the family but may not have a source of income, the need for life insurance can be somewhat confusing. As…

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Life Insurance for Marijuana Users [420 Friendly Insurers]

The use of marijuana has become somewhat more mainstream in recent years, with evolving trends in medical marijuana prescriptions and an increasing number of states legalizing the drug’s recreational use. As a result, our team occasionally receives questions related to life insurance for marijuana users. Common questions include… Can someone who smokes marijuana get life insurance? Do…