When it comes to life insurance there are different options out there that you can pick from. There is term life insurance which breaks down into a return of premium and traditional and then there is permanent life insurance which breaks down into whole and universal. What does this mean and how do you know which one to select? Term Life John is 33 years old. He is married and has 3 children. John is an accountant. His wife, Erin, stays at home to raise the children. They own a home that [...]

Life insurance is important to protect those you love. You have heard that it can provide financial protection to them when they are grieving you and take away that worry and burden. You want to protect your loved ones and you have decided that you want to get life insurance. You walk into your local agency, sit down, and the agent asks how much coverage you would like. Huh? You have no idea. Let’s break it down together. Do you have any debt? When you pass that debt doesn’t go away and [...]

Life Insurance. It is something that almost everyone needs but no one ever wants to talk about. However, it is really important to talk about and to make sure you are protecting your loved ones. Picture this, you pass away unexpectedly and you didn’t have life insurance or a will. You had always said you would get to that eventually or when you were older. Now your loved ones are stuck dealing with your funeral costs, settling your estate, and their grief from losing you. Wouldn’t you want them to be able [...]