end-of-life expenses

End-Of-Life Expenses and How to Prepare for Them

End-of-life expenses refer to the costs that arise when an individual passes away. These expenses can include funeral expenses, burial or cremation costs, and other related costs such as probate fees, estate taxes, and legal fees. Funeral expenses can include the cost of the funeral service, the casket or urn,…
average funeral costs

Average Funeral Costs: Are you Prepared?

As we move through the stages of life, many people ensure they are financially prepared for significant life events such as college, marriage, and retirement. However, some find it difficult to consider the average funeral costs and ways to prepare for the financial aspect of how much it costs for…
Women and Life Insurance

Women and Life Insurance: 6 Things You Need to Know

If you’re a woman and don’t have life insurance, start thinking about it. According to a 2021 Insurance Barometer Study conducted by Life Happens and LIMRA, only 47% of women have life insurance coverage, compared to 58% of men. It’s time to close the gap and for women to realize…
life insurance for my child

Should I Buy Life Insurance for My Child?

If you’re a parent (or a grandparent), deciding on whether to buy life insurance for your child is a thought that may have crossed your mind. And if it has, let’s look at some of the specifics when it comes to life insurance for a child. First, life insurance policies…
business owners need life insurance

Why Business Owners Need Life Insurance

Why Business Owners Need Life Insurance Business owners need life insurance to protect their family, company, and employees from debts and unexpected costs if they pass away. As a business owner, you should have both key person and personal life insurance to protect your company and your family. Co-owners should…

Whole Life Insurance Explained

What is whole life insurance?  Whole life insurance is permanent life insurance protection that lasts your entire life; by contrast, term life insurance only covers you for a specific number of years. While there are other kinds of permanent coverage, whole life is the simplest.  Whole Life Insurance: How it…
high prescription drug costs

Get Help With High Prescription Drug Costs

Get Help Paying for High Prescription Drug Costs If you have high prescription drug costs, you need an independent insurance agent, like me, who can help you determine the best program to lower your prescription costs.  I offer a thorough analysis to help you decide which plan will cover your…
term life insurance

Top 5 Things Term Life Insurance Covers

Find out the top 5 things term life insurance covers and who should consider purchasing a term life policy. If the pandemic has prompted you to think about how life insurance could give your family more financial security, you’re not alone. There are several options, but term life insurance can…
term life whole life insurance

Term Versus Whole Life Insurance

Should I buy term or whole life insurance? Well, let’s start with the differences between term life versus whole life insurance. Term life insurance covers you for a specified amount of time at a smaller price and is a much simpler type of coverage. Whereas whole life insurance is lifelong…