Life Insurance Laddering Life insurance laddering involves purchasing multiple term life policies with different term lengths to cover various current and future financial obligations. The amount of life insurance needed changes throughout a person’s life. For example, you could purchase three-term policies from highly rated well know companies. One policy can be purchased for $1,00,000.. More

Term Life Insurance Riders Term life insurance riders enable life insurance policies to be built that can do more than provide a death benefit. Understanding life insurance riders and what they add to policy is the key to constructing a policy that provides more than just a death benefit. These extra benefits targeted to specific needs.. More

Burial Insurance for Parents Purchasing burial insurance for parents is an important decision. While many parents are still in excellent health in the “golden years,” others have problems. Many have financial and health concerns and worry about the high cost of funerals and burials. They do not want to and leave the ones they love.. More

Life Insurance for Elderly Parents Buying life insurance for elderly parents can relieve the anxiety of leaving a family with debt upon their absence. Although it may not be an unpleasant experience and a hard conversation to have, it may be a necessary one when considering your parents passing. Final expense insurance can be a.. More

Life Insurance for Parents Over 60 Life insurance for parents over 60 is available in term and permanent policies. A term policy covers the insured for a specific period of years; it might be 10 or 15 years or more.   A permanent or whole life policy, although more expensive usually, will protect the insured.. More

The Danger of Procrastination We live in a world of endless possibilities. The danger of procrastination, putting off esential decisions till later, is that we do not live in a world of rainbows where the sky is always blue, and everything in life is always beautiful. Enter covid-19! The world is not a place where.. More