Life Insurance

Why We are Aggressive When Pre-underwriting Our Clients

We don't take underwriting for granted because we know you don't like surprises and neither do we.

Based on an original article by David A. Appel

What's involved in securing new life insurance? What kind of personal information do I need to provide? What's the medical exam like? ...

Here is why a Living benefit plan with guaranteed premiums outshines a long term care policy

With long-term-care insurance premiums climbing by double digits and several insurers exiting the business in the past few years, many families are turning to an alternative: using life insurance with living benefits.

Living benefits term life insurance policies can be purchased ...

Younger People Need Long Term Care Coverage

Most small business employees and owner benefit packages have a glaring coverage gap that is becoming increasingly harder to ignore as baby boomers become older and younger employees become caregivers. I’m referring to insurance that covers long-term care. This is coverage that h...

Roadmap to Surviving Obamacare

What is happening and what you should do NOW to survive Obamacare.....

Have you come to the realization that insane deductibles are making the high cost of Obamacare health insurance unaffordable?  Consider this:  Health care plans offered under Obamacare through HealthCare.gov h...