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Resources
Plain-language guidance on life insurance, written to be understood before anything is bought.
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.
5 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 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.
