Benefits
Does the VA Pay Off Your Mortgage if You Die?
VA's own Buyer's Guide answers no. What a VA loan guaranty actually does, the VMLI exception, and what your family would face with the monthly payment.
4 min read
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Resources
Plain-language guidance on life insurance, written to be understood before anything is bought.
Benefits
VA's own Buyer's Guide answers no. What a VA loan guaranty actually does, the VMLI exception, and what your family would face with the monthly payment.
4 min read
Benefits
SGLI continues for 120 days after separation. VGLI has a 1 year and 120 day window, with no proof of good health in the first 240 days. What carries over, and what to be careful about.
3 min read
Benefits
DIC is a monthly VA payment with eligibility rules tied to how and when a veteran died. Life insurance is a lump sum to people you choose. How they differ, and how to check what your family would receive.
3 min read
Benefits
FEGLI can continue into retirement for eligible employees. The 5-year rule, the 75%, 50% and No Reduction elections, Options A, B and C after 65, and the conversion deadline, per OPM.
4 min read
Benefits
Public employee life insurance is not one program. It varies by employer, plan, job class and retirement system. Six questions that get you a straight answer, and how to read it.
3 min read
Basics
A new policy can be exactly right. A quick review confirms the beneficiaries, amount, term, riders and ownership match what you intended, while they are easiest to fix. Often the answer is to change nothing.
2 min read
Basics
Term coverage ends on a date written in the contract. Renewal, conversion and replacement are three different choices with different deadlines and costs. How to find your date and decide before it arrives.
3 min read
Basics
Life insurance can be advertised, but the advertising is regulated. Here is what the rules cover, why they exist, and how to check who you are dealing with.
5 min read
Basics
Income, a home, debts, final expenses, a business, an estate. A plain guide to the jobs life insurance can do, which ones are household needs, and which need a professional.
5 min read
Basics
A step by step guide to checking an insurance producer's license: the National Producer Number, state lookups, the NAIC directory, and what a license does and does not tell you.
3 min read
Permanent
How indexed universal life really works: crediting formulas, caps, floors, charges, loans, lapse risk and what illustrations do not promise.
6 min read
Family
What juvenile life insurance does and does not do, how cash value really grows, and how 529 plans and other options compare.
5 min read
Business
How business owners use life insurance for key people, buy-sell funding, loans and succession, and the notice and consent rules to know.
5 min read
Basics
How accelerated death benefit riders work, what triggers them, what they cost in death benefit, and how they differ from health coverage.
5 min read
Final Expense
A calm look at small whole life policies meant for end-of-life costs: how they work, how graded benefits work, and what the alternatives are.
5 min read
Income
Group life insurance is a useful benefit with real limits. Learn how it works, what happens when you change jobs, and how to check the gap.
6 min read
Home
Four products get confused around a mortgage. Here is who each one protects, who gets paid, and what it does not cover.
5 min read
Income
A practical way to map the bills that outlive a paycheck, and how life insurance can be structured to replace income as budgets change.
4 min read
Basics
Term, whole and indexed universal life solve different problems. Learn how each works, the trade-offs, and which questions to ask first.
4 min read
Basics
A step by step needs approach to sizing life insurance: income, debts, mortgage, education and final costs, minus what you already have.
5 min read
Newsletter
Practical guidance for protecting the people and plans you're building.