A while back, a family member of mine bought a life insurance policy they thought was going to last their whole life. They paid the premium the insurance company told them to pay when they got the policy. They never missed a premium. They paid on this policy for 10 years. However, when they reached […]

I thought it would be a good idea to write up the list of common life insurance mistakes I see people make and how to avoid them. I’ve seen other “lists” of mistakes online but I’ve never thought that they were quite complete enough. While I was making this list, I decided to organize these […]

A lot of people get into a situation where they can’t pay their life insurance premiums. Often, the solution is to ignore the premium notice. When you do that, your life insurance will lapse and it ends. After that, you won’t receive any more notices from the insurance company. Problem solved. Before you let that […]

If you have a whole life policy with a mutual insurance company, you are in luck because those policies may pay dividends. That’s great news but what are you going to do with all that newfound cash? Well, the insurance company may give you up to five different dividend options to choose from. Below, I’ll […]

There are two type of insurance companies you can choose from when you buy insurance. One is called a stock insurance company and the other is called a mutual insurance company. In this article, I’m going to break down what each type of company is. I’ll also talk about which type of company I like […]

Life Insurance for Fishers, Indiana Area Residents Do you live in Fishers, Indiana? Do you need to buy some life insurance? If you answered yes to both of those questions, I’d like to be your life insurance agent. I have helped thousands of people with their life insurance over the last 25 years and would […]

Does it matter if your life insurance policy is a direct versus a non-direct recognition policy? Here, I’m going to break down what the difference is between these two types of policies. Then, I’m going to answer the question, does it matter? The Difference Between Direct Recognition vs Non-Direct Recognition A whole life policy allows the […]

One of the most common questions I get from people about life insurance is what is considered accidental death for insurance purposes? This question usually comes up if we are talking about an accidental death benefit rider, an accidental death & dismemberment policy (AD&D) or an accident policy – all of which might pay out a death […]

As most employee’s quickly find out, group term life insurance seems to generate more questions than you’d think for such a simple concept. One area that generates three very specific questions is group dependent child term life insurance. Who Are Considered Children? With so many different types of families, who are considered eligible dependent children […]

Many group term life insurance plans offer employees the opportunity to purchase group accidental death & dismemberment insurance. AD&D benefits can be added as an attachment to basic life and supplemental life insurance or as a separate standalone AD&D plan. In this article, I go over what group AD&D is and whether or not you […]