Resources
Insurance Insights & Guides
Plain-language guides to help you make informed decisions about life insurance and annuities. No jargon, no sales pitches — just the information you need.
Indexed Universal Life Insurance (IUL): How It Works
Indexed universal life ties cash value growth to a market index with floors and caps. Learn how IUL credits work, costs, and when it beats—or loses to—other permanent life insurance.
Life Insurance Replacement: What Disclosure Rules Mean (U.S. Overview)
Replacing an existing life policy can trigger state disclosure forms and a comparison of benefits. Learn what replacement means, why regulators care, and what to verify before you switch.
Key Person Life Insurance: Protect Your Business If a Leader Dies
Key person insurance pays the business if an owner or indispensable employee dies. Learn how coverage amounts are chosen, tax considerations at a high level, and how benefits are used.
Single Life Annuity Explained
Learn what a single life annuity is, how payouts work, single vs joint-and-survivor comparison, pension choices, and strategies to protect your spouse.
Are Annuities FDIC Insured?
Annuities are not FDIC insured. Learn how state guaranty associations protect your annuity, how to evaluate insurer strength, and strategies to reduce risk.
No Exam Life Insurance
Compare no exam life insurance options including simplified issue, guaranteed issue, and accelerated underwriting. Learn costs, coverage limits, and who qualifies.
Life Insurance for Diabetics
Yes, you can get life insurance with diabetes. Learn how Type 1 and Type 2 diabetes affect your rates, what insurers evaluate, and how to get approved.
Borrowing Against Life Insurance
Learn how borrowing against life insurance works, which policies allow loans, interest rates, tax rules, and when a policy loan makes financial sense.
What Is Voluntary Life Insurance? Full Guide
Understand voluntary life insurance through your employer — how it works, what it costs, coverage limits, portability, and when you need more.
Cash Surrender Value of Life Insurance Explained
Learn what cash surrender value means, how it's calculated, tax implications, and smarter alternatives to surrendering your life insurance policy.
Term vs Whole Life Insurance: Which Is Right?
Compare term and whole life insurance side by side. Learn the real cost differences, when each type wins, and which one fits your financial goals.
Life Insurance Cost: Rates by Age, Type & More
How much does life insurance cost per month? See average rates by age, policy type, and health class with tips to lock in the lowest premiums.
Is Life Insurance Worth It? An Honest Analysis
Wondering if life insurance is worth the cost? Get an honest breakdown of when it makes sense, when it doesn't, and how to decide for your situation.
How to Avoid Tax on Life Insurance Proceeds
Learn when life insurance payouts are taxable and proven strategies to keep your death benefit tax-free. Covers estate taxes, ILIT trusts, and ownership transfers.
Whole Life Insurance Rates by Age Chart
See whole life insurance rates by age for $100K, $250K, and $500K policies. Compare male vs female costs and learn how to lock in the lowest premium.
Million Dollar Life Insurance Policy Costs
Find out how much a million dollar life insurance policy costs by age and type. Compare term vs whole life rates and learn who actually needs $1M in coverage.
Life Insurance for Parents: A Complete Guide
Everything you need to know about life insurance for parents—whether you're a parent buying coverage or getting a policy on your aging mom or dad.
How to Get Money Out of an Annuity Penalty-Free
Learn proven strategies to withdraw money from your annuity without paying surrender charges or IRS penalties. Covers free withdrawals, 1035 exchanges, and more.
Qualified vs Non-Qualified Annuity Explained
Learn the key differences between qualified and non-qualified annuities, including tax treatment, funding sources, RMD rules, contribution limits, and which is right for you.
Fixed vs Variable Annuity: Key Differences
Understand the differences between fixed and variable annuities including risk, returns, fees, and who each type is best for. Includes indexed annuities as a middle ground.
How Annuities Get Favorable Tax Treatment
Learn how annuities receive favorable tax treatment through tax-deferred growth, the exclusion ratio, 1035 exchanges, and strategies to minimize your tax burden.
Is Life Insurance a Scam? The Real Answer
Find out whether life insurance is a scam or a legitimate financial tool. Learn when it's worth it, when it's a waste, and how to spot red flags before buying.
Annuity vs IRA: Key Differences Explained
Compare annuities and IRAs side by side. Learn the key differences in tax treatment, contribution limits, withdrawal rules, and when to use each for retirement.
How Many Life Insurance Policies Can You Have?
There is no legal limit to how many life insurance policies you can own. Learn why people carry multiple policies, how insurers evaluate total coverage, and strategies like laddering.
Immediate vs Deferred Annuity: Key Differences
Understand the key differences between immediate and deferred annuities, including when payments begin, costs, tax treatment, and which type fits your retirement plan.
Annuity Loans: Can You Borrow Against One?
Find out if you can borrow against your annuity, how annuity loans work, interest rates, tax consequences, and smarter alternatives to access your funds.
What Happens to an Annuity When You Die
Learn what happens to your annuity after death, how beneficiaries receive funds, and the tax implications. Understand your payout options to protect your loved ones.
Which Life Insurance Generates Immediate Cash Value?
Learn which type of life insurance policy generates immediate cash value, how cash value works, and how to choose the right policy for building wealth while staying protected.
What Does Life Insurance Not Cover?
Discover the common exclusions in life insurance policies, what disqualifies a payout, and how to avoid surprises when your family needs coverage most.
Can You Transfer an Annuity to Another Person?
Find out if you can transfer an annuity to another person, the types of transfers available, tax consequences, and a step-by-step guide to doing it correctly.
What Happens When an Annuity Matures?
Learn what happens when your annuity reaches its maturity date, the options available to you, tax implications, and how to plan ahead for the best outcome.