One of the most important parts of insurance is understanding what insurance premiums are. There are several different parts of paying for insurance, but this one is the most basic and fundamental. Let me show you. What are Insurance Premiums? Insurance premiums are usually pretty easy to understand. Premiums are Read more…
Life insurance can be a confusing topic. There are several different types (many of which I have written about). But there is still a question that bugs a lot of people: What kind of insurance policy do I need? Let’s get into it. Nearly Always Term Insurance This is the Read more…
One of the questions that I have received as a financial professional several times throughout my career is, “Do I need life insurance?” And the answer to that is the same for everyone, it depends. Let me show you in what scenarios you would need life insurance (LI) and in Read more…
Term insurance is the most basic and simple form of life insurance that there is. Let me explain how it works. What is Term Life Insurance? Most people intuitively understand what life insurance is. If you die while you have it, then your beneficiary will get a payout. And that Read more…
Indexed Universal Life Insurance.This has become a really bigtime product sold by insurance brokers over the past few years. And even during the first several months of 2022 and beyond, as the economy seems to slip further and further downhill, these policies have become much more popular. It seems that Read more…
Life Insurance riders are a really simple part of insurance (usually life insurance) that most people don’t understand or simply have never heard of. Don’t let your insurance broker (or insurance salesman) speak down to you and act like they are more intelligent than you are by offering insurance riders Read more…