Insurance and Retirement Planning
Guides written by licensed agents, in plain language, on the products families ask us about most.
How Much Term Life Insurance Do I Actually Need? A Complete Guide for Families
How to work out the coverage amount that fits your debts, dependents and income, what separates a 10, 20 and 30-year term, and what happens at the end of one.
What Is Final Expense Insurance and Is It Worth It for Seniors?
Final expense insurance is a small whole life policy — typically $5,000 to $25,000 — written to meet the costs a family faces immediately after a death. No medical exam is required for most applicants between ages 50 and 85.
What Is Mortgage Protection Insurance and Do You Really Need It?
Mortgage protection is designed to clear the outstanding balance on your home loan if you die, become disabled or face a critical illness. How it works, how it differs from PMI and from term life, and what it does not do.
What Is an IUL Policy? How Indexed Universal Life Insurance Works and Who It Is For
Permanent life insurance with a cash value linked to a market index, a floor on the crediting rate and a cap above it. How the crediting actually works, and what the floor does not do.
What Is a Fixed Indexed Annuity (FIA) and How Does It Work?
A contract with an insurance company whose interest is credited from the movement of a market index, within a floor and a cap, and which can later be converted into a stream of payments.
What Is an IUL and Is It Right for Self-Employed Workers?
Self-employed workers can use an IUL policy to build tax-free retirement savings while protecting their families. Learn how IULs work for freelancers, contractors, and small business owners.
Can ITIN Holders Get Life Insurance in the United States?
Yes. Many carriers accept an ITIN in place of a Social Security Number on a life insurance application. What the process involves, what documents are asked for, and what varies between carriers.
IUL vs 401K - Which Is Better for Construction Workers?
For construction workers without employer-sponsored retirement plans, an IUL offers tax-free growth, downside protection, and life insurance coverage. Compare IUL vs 401K for your situation.
How Nurses Can Build Tax-Free Retirement Savings Without a 401K
Nurses can build tax-free retirement savings through IUL policies even without a 401K. Learn how travel nurses, RNs, and healthcare workers can secure their financial future.
What Independent Truck Drivers Need to Know About Retirement Planning
Owner-operators do not have an employer plan, and their income does not arrive on a schedule. What that rules out, what it leaves, and where the risks sit in a self-funded policy.
How to Get Life Insurance in Orlando, Florida
What the application process involves, which products are available, what a broker does that a captive agent cannot, and what to have ready before you start.
What Are Living Benefits in Life Insurance and Why Do They Matter?
Living benefits let you access part of your death benefit while you are still alive, if you meet the conditions the policy sets out for chronic, critical or terminal illness. Learn how they work and whether you need them.