Personal Finance
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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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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 often brings up questions about personal credit and scores such as...What is a good credit score? How can I check my credit score? Or… How…
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How much life insurance do I need? “Rules of Thumb”

Most Americans agree that life insurance is an important part of their overall financial plan.  However, determining an appropriate amount of coverage can be a challenge for many consumers. In working with clients, we are often asked questions such as: How much life insurance do I need? What should be considered in selecting coverage? Or, should I…
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Term Life Insurance: Simple Low-Cost Coverage

Consumers often ask about term life insurance and whether term life is the best coverage option. Questions about term life are completely understandable given the reoccurring television ads and numerous financial gurus promoting this type of coverage day in and day out.This article, Term Life Insurance: Simple Low-Cost Coverage, provides an overview of term life and…
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