May 28, 2020

There are a lot of insurance policies out there, from car insurance to house insurance. Your company might even be subsidizing your health maintenance organization (HMO) insurance, which lets you pay for hospitals and other medical bills in case of an emergency. However, it isn’t always as simple as that — especially for those dealing with chronic illnesses. More often than not, folks with health problems have to take extra precautions to protect themselves and their loved ones.

April 1, 2020

John was a pilot in the US Airforce during the Vietnam War. He flew the largest aircraft in our military, bringing material to our troops in Vietnam. He also, often had to fly back the caskets with our heroes who lost their lives in the war effort. After the war ended, John left the service with an honorable discharge. As a civilian, he became a pilot for American Airlines.

February 25, 2020

I just cringe whenever I hear the following from any financial advisor about life insurance: “I do complete financial planning for my clients, but I rarely sell life insurance.” “When I see the need for life insurance, I offer it to my clients.” “My clients already have life insurance, or they don’t need it.” “I don’t have a life insurance license, but when a client needs it, I refer them to an agent.” “I don’t sell life insurance anymore.”

January 20, 2020

Whenever a financial advisor recommends a 30-year term policy to one of their clients, I just cringe. In my opinion, it’s almost always a poor decision. How many people will actually keep a 30-year-term for all 30 years? Very few. So why pay the increased premium versus a 10, 15, or 20-year term product?

December 19, 2019

If you conduct a Google search on the topic of whether or not you should own life insurance over age 60, you might see some of the following opinions: “According to financial expert Suze Orman, it is okay to have a life insurance policy in place until you are 65, but after that, you should be earning income from pensions and savings.” “Term life insurance is the best option for most people, including seniors, because it provides the most coverage at the lowest price.”