The terminal illness rider is a life insurance rider. It may also be called an accelerated death benefit or living needs benefit rider. Most life insurance companies include this rider on all of their policies at no extra cost to you. That means there’s a good chance this rider is attached to your policy (if […]

Life insurance awareness month is here again. It’s time to review my list of things you should do this month to clean up your life insurance. Outside of weird people like me who really dig into how life insurance works, most people have their life insurance on a set it and mostly forget it mode. […]

One of the questions I get asked quite a bit is – can you buy life insurance on your parents? I get this question for a variety of reasons but the number one reason is that the parents don’t own any life insurance. In this article, I’m going to talk about the in’s and out’s […]

In this article, I wanted to answer a common question I get. That question is does life insurance pay for suicidal death? Whether it will pay for suicide or not will primarily depends on four things. Those four things are: What kind of life insurance is it? Where do you live (or live when you […]

In this article, I’m going to share with you some tips you can use if you want to know how to save money on life insurance premiums. Many of these things are simple strategies while others will require a change in habits. OK. let’s get started with my list. 1. Buy life insurance sooner rather […]

Over the years, one of my favorite types of life insurance riders has been the children’s term rider. The children’s term rider is an often overlooked because a lot of agents haven’t sat down and figured out how to use it properly. In this article, I’m going to list my three reasons to add the […]

One of the first life insurance claims I had, the lady died in an auto accident. She had the accidental death benefit rider on her policy which doubled the face amount of her life insurance. At the time I wrote her policy, I wasn’t big on adding accidental death benefit but she wanted to add […]

The waiver of premium rider isn’t something I used to talk about very much. However, one day I got a phone call from a lady whose husband had a life insurance policy with me. She explained to me that her husband had been working on the roof of their house and fell. My first thought […]

If you ever wondered how do life insurance loans work, you aren’t alone. In fact, I got a call today from a policyholder who was thinking about borrowing some money from his policy. But, like a lot of people, he wasn’t sure how borrowing against his cash value worked and he had some questions. It […]

Over the years, I’ve talked with a lot of people about their life insurance. The one thing that stands out is that most people know they have some life insurance but don’t know much about it. In this article, I’m going to show you how to organize your life insurance paperwork so that you’ll know […]