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When it comes to life insurance, many people tend to put it off. They might think, "I'm young and healthy, I don't need that yet." However, delaying this important decision can cost you more in the long run.Here's why buying life insurance when you're younger is a smart financial move: Lower Premiums: Healthier, Lower Risk: Youn […]

There are two things that most people can agree on when it comes to Long Term Care services. The first is that people are living longer, and with that come more demand for these services. And the second thing is that people are geographically more spread out from their families, which means family can are less able to be "informal caregivers". In o […]

 A client of mine called me this week and said she was looking for a policy that could help her husband who is in salesperson and periodically gets hurt, ending up in the emergency room or urgent care center. I suggested that she consider an accident insurance policy that could cover him when he's working and when he's off. These plans cover cuts, […]

 Long-term care insurance is a crucial financial tool that can protect you and your loved ones from the significant costs associated with long-term care services. Unfortunately, many people overlook the importance of this coverage, leading to potentially devastating financial consequences.Understanding the RisksRising Costs: The cost of long-term care servic […]

Being a real estate agent can be a physically demanding job. From walking through properties to the constant travel between open houses and negotiating deals, there's always a risk of accidents. That's why it's crucial for realtors to have accident insurance in place.Common Accidents for RealtorsFalls: Walking through properties, especially ol […]

When it comes to life insurance, many people tend to put it off. They might think, "I'm young and healthy, I don't need that yet." However, delaying this important decision can cost you more in the long run.Here's why buying life insurance when you're younger is a smart financial move: Lower Premiums: Healthier, Lower Risk: Youn […]

There are two things that most people can agree on when it comes to Long Term Care services. The first is that people are living longer, and with that come more demand for these services. And the second thing is that people are geographically more spread out from their families, which means family can are less able to be "informal caregivers". In o […]

 A client of mine called me this week and said she was looking for a policy that could help her husband who is in salesperson and periodically gets hurt, ending up in the emergency room or urgent care center. I suggested that she consider an accident insurance policy that could cover him when he's working and when he's off. These plans cover cuts, […]

 Long-term care insurance is a crucial financial tool that can protect you and your loved ones from the significant costs associated with long-term care services. Unfortunately, many people overlook the importance of this coverage, leading to potentially devastating financial consequences.Understanding the RisksRising Costs: The cost of long-term care servic […]

Being a real estate agent can be a physically demanding job. From walking through properties to the constant travel between open houses and negotiating deals, there's always a risk of accidents. That's why it's crucial for realtors to have accident insurance in place.Common Accidents for RealtorsFalls: Walking through properties, especially ol […]

As a self-employed individual, you enjoy the freedom and flexibility that comes with being your own boss, but with that freedom comes responsibility. One of the most crucial responsibilities is protecting your financial well-being. A cancer diagnosis can ruin that well-being quickly. This is where cancer insurance becomes essential.The Unique Risks for Self- […]

We have all seen the ads on TV for Final Expense insurance, which helps you pay for burial expenses. Most of these ads are for whole life insurance and can be more expensive than you'd expect. And most of the time the coverage is not enough.When calculating final expenses, most people just consider the cost of a funeral. However, a missing cost are cost […]

Indexed universal life (IUL) insurance is a unique type of life insurance that blends the security of a guaranteed death benefit with the growth potential of the stock market. It's a popular choice for people who want to protect their loved ones financially while also building cash value for the future.Here's a closer look at some of the key benefi […]

As we age, our chances of needing some form of long-term care increase. This could mean needing help with activities of daily living (ADLs) such as bathing, dressing, and eating, or needing more specialized care such as skilled nursing.Long-term care can be expensive, and many people don't have the savings to cover the cost. This is where short-term hom […]

Life insurance is typically thought of as a way to provide financial security for your loved ones after you die. However, some life insurance policies also offer living benefits, which are features that can provide financial assistance to you while you're still alive.There are many different types of living benefits, but some of the most common include: […]