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What's a Rider?

September 13, 2021

As you start to explore policies types, you see/hear the word "rider" often. A rider basically means extra coverage not covered in your policy. If you think about your car insurance, Roadside Assistance is an example of a rider. It's an "extra" benefit you are willing to pay for that is not covered in your policy.  

In life insurance common riders are living benefit, accidental death, long term care, critical care, & waiver of premium for disability to name a few. Everyone has different...

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A Guide to Universal Life Insurance

September 7, 2021

I promise this is not a repeat post. This post delves deeper in Universal Life. I really like this article because it compares Universal Life to the other insurance options. It also lists policy riders such accelerated death benefit (this benefit is a big deal!) Just like there are many different insurance options there are also many different companies to use. My goal is to find the right plan & company that works best for your needs. 

A Guide to Universal Life Insurance

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Life Insurance in the age of Coronavirus

August 23, 2021

Since March 2020 we have heard about covid everyday; it's impossible not to make us think about our health & that of our loved ones. Covid impacts folks differently, some folks get uncomfortable flu symptoms & others are critically impacted. We don't know how we will be impacted, what you can do is plan for the unexpected.

Check out this great article: 

Life Insurance in the age of Coronavirus

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What Is Universal Life Insurance and How Does It Work?

August 2, 2021

In a previous post we looked at the difference between Term & Whole life insurance. A third option is Universal Life. Universal Life lasts for the life of the insured, has a cash value, & has more options in terms of premiums.  The linked article is a great overview. However there are two points I like to mention. First the article mentions a physical exam. The exam is not always required, they key is to be as honest in the application to verify again your medical footprint. The other point...

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What Is Supplemental Life Insurance?

July 28, 2021

If 2020 taught us anything is that life in unpredictable. Not only did COVID significantly impact our health it closed many businesses. On top of the pandemic the industry I am in is a roller coaster ride of highs & lows, you never know when you might get the pink slip. Even being a superstar employee the way I like to think of myself, I might leave a company by choice, leaving the stable insurance behind.

Portability was the main reason I wanted supplemental coverage. As I learned more...

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