• Getting Life Insurance with COPD…….. YOU HAVE OPTIONS

    Just because you have COPD, doesn’t mean you cannot get approved for life insurance. Nor does it mean that you have to pay dearly because you’re rated. While it is aggravating trying to find a life insurance company to get coverage with, each company looks at COPD differently and having an agent that knows this read more
  • Life Happens……Are You Prepared?

    Most people purchase life insurance to help provide their family financial security at the time of their death. But what if you experienced a chronic, critical or terminal illness? Would your insurance policy allow you to access your death benefit to help cover the associated costs? What is a Critical, Chronic or Terminal Illness?  Critical Illness  Critically Ill means read more
  • 6 Reasons your 529 Plan SUCKS

    6 Reasons your 529 Plan SUCKS And why you should consider using Guaranteed Indexed Universal Life Insurance   Life insurance is or should be the foundation of your financial, retirement, or estate plan, but why would anyone use Guaranteed Indexed Universal Life Insurance as a funding vehicle to pay for college education? There are numerous read more
  • Disability Rights: The Top 4 Legal Issues Faced by Special Needs Families

    Parents of developmentally disabled children face a lifetime of challenges related to raising and protecting their family. They cherish the special bonds they hold with their disabled loved ones, yet they frequently find themselves exhausted physically, emotionally, and even financially by their role as caregivers. Thankfully, due to a growing awareness of the challenges affecting read more
  • Permanent Insurance

    Permanent insurance provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis.  Unlike term insurance, a permanent insurance policy will remain in force for as long as you continue to pay your premiums.  Because these policies are designed and priced for you to keep over a long period of time, this read more
  • Term Insurance

    As the name implies, Term Life Insurance provides protection for a specific period of time or term and generally pays a benefit only if you die during the “term”.   Term periods generally have durations of 1 year, 10 years, 15 years, 20 years, and 30 years.  However, some companies are now offering “off-term” policies which can be term periods of 11 read more