September is Life Insurance Awareness Month. It’s a reminder that coverage isn’t just for the young and healthy. Many people in their 40s, 50s, 60s, and beyond want to protect their families but assume their health history or long medication list makes them uninsurable. The truth is often the opposite. A Real Example From Today I spoke with a woman who takes 13 prescriptions. She…Read More
Most people don’t say the words out loud, but you can hear it in the awkward silences, the subject changes, the nervous jokes: “I don’t want to talk about it.” And I get it. End-of-life planning is uncomfortable. It forces us to face things we’d rather avoid. But here’s the truth—planning isn’t about giving up on life. It’s about protecting the people you love so…Read More
Practical steps for a heartbreaking situation—shared from personal experience Losing someone you love is already one of life’s hardest moments. But when that person doesn’t have life insurance—or any financial plan—the grief can quickly be compounded by stress, confusion, and unexpected costs. I’ve lived through this firsthand. In 2012, I lost my oldest child Maxwell. He didn’t have any coverage, and we had no way…Read More
When I talk to families about final expense insurance, I often hear the same thing:“I know I need it—I just haven’t gotten around to it yet.” It’s understandable. Life is busy, money can be tight, and no one enjoys thinking about the end of life. But there’s one common mistake that catches people off guard more than anything else: Waiting too long—or relying on coverage…Read More
Most of us don’t like to think about death—especially our own. It’s uncomfortable. It feels far away. And when money’s already tight, the idea of buying life insurance can easily slip to the bottom of the list. But here’s the truth: if you pass away without life insurance, the people you love most are left to pick up the pieces—not just emotionally, but financially. And…Read More
If you’ve felt the pinch of rising prices lately, you’re not alone. Groceries, rent, gas, even basic services—all of it costs more than it used to. And when you’re on a fixed income, that stress is real. Over the past year, I’ve spoken with many seniors who are doing everything they can to stretch their dollars. Some are dipping into savings. Others are postponing retirement…Read More
In a world where financial decisions can feel overwhelming, having a trustworthy insurance agent by your side makes all the difference. But how do you know if you’re working with someone who truly has your best interests at heart? Here are some key signs to look for when choosing an insurance agent you can trust. 1. They Prioritize Your Needs Over a Sale A trustworthy…Read More
Many seniors assume Social Security will cover their final expenses, but the reality is quite different. While Social Security offers a one-time death benefit, it falls far short of covering the actual funeral costs and other end-of-life expenses. The Truth About the Social Security Death Benefit When a Social Security recipient passes away, their surviving spouse or child may receive a one-time death benefit of…Read More
People often put off life insurance, thinking they have time to figure it out later. But in my experience, waiting too long can leave families struggling at the worst possible moment. That’s one of the reasons I chose to specialize in final expense insurance; I know from personal experience how having a plan in place can ease stress, reduce financial burdens, and give families the…Read More
When planning for the future, many of us focus on saving for retirement or ensuring our loved ones are taken care of financially. However, ensuring that our final expenses are covered often gets overlooked, which can burden our families when we pass. As someone in the insurance business for a while, I’ve seen firsthand how essential it is for seniors to have their final arrangements…Read More
