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WHAT DO I NEED TO KNOW ABOUT LIFE INSURANCE FOR OLDER PEOPLE?

A recent article in USA today states that older workers may still need life insurance. This is true. Here is what you need to know: 1. If your spouse is still dependent on your income, you will need life insurance for income… Read More

A World of Differences

In life, the differences between people are important. “One size fits all” does not work with life insurance.  It’s not working with Obamacare either. The beauty of life insurance is individualized underwriting. Each applicant is assessed a rate according to… Read More

Footballer Financial Follies

A leading industry publication interviewed estate attorneys and a financial advisor about the estate planning mistakes made by professional athletes. We can avoid the same errors. I have summarized their conclusions below, and have added insights on how life insurance… Read More

Interdependent, Not Government-Dependent

This week’s Biblical portion starts the story of the Tabernacle, the portable house of worship in the desert. In his commentary, Rabbi Sacks draws for us some key lessons about the extent to which people could and should depend on… Read More

Whose Estate Is It Anyway?

Timothy Carney of Reason Magazine is challenging what he sees as Crony Capitalism by the life insurance industry. Here is some background for you, along with my assessment. Focus on estate planning Life insurance is frequently an essential component of… Read More

Should Working People Buy the MyRA to Lend the Government Money?

Life insurance is not an investment per se; it is, after all, a product meant primarily to provide a survivor benefit upon the demise of the insured. Nonetheless, cash value policies are frequently used – very appropriately, in my opinion… Read More

How to Purchase Life Insurance for Income Replacement

Purchasing life insurance for income replacement is not exactly a popular activity. The traditional worldview saw death as a part of life. In modern times, we separate the two. The subject of death is something we try to avoid. Oh… Read More

Should I Take An Exclusion For “Risky Activities”?

Every life insurance policy that I’ve looked at required an answer to the “risky activities” question; even if they didn’t ask in the initial forms, they asked it later on. I chose not to lie and was denied coverage when… Read More

Am I Insurable After So Many Painkillers?

I used to have a problem with taking a lot of painkillers. Buprenorphine helped me with that and I’ve been bupe-free for about a year now…but now I’ve got THAT in my patient history! I haven’t used anything “questionable” in over three… Read More

Do You Control Your Social Media Contacts?

I am an independent life insurance broker who owns his own business. Like many of my peers, I was once a captive agent with an insurance company. When I left to form my own brokerage, I  had to build my… Read More