Life Insurance Blog

Breaking Through the Life Insurance Barrier: 3 Simple Steps to Protect Your Family

Life insurance – a topic that often conjures images of complex paperwork, confusing terminology, and difficult decisions. Many families know they need protection but find themselves overwhelmed by industry jargon and complicated processes. That’s exactly why we created Advice 4 Life Insurance. Why Life Insurance Seems Complicated (But Doesn’t Have to Be) The life insurance…

Types of Life Insurance Explained: What I Learned From 30+ Years in Insurance

After 30+ years in the insurance industry, I’ve guided thousands of families through one crucial decision: choosing the right life insurance policy. This choice affects everything from monthly costs to what benefits your family receives, and making a change later often means higher premiums and new medical underwriting. Despite its importance, many people find life…

Life Insurance for (your) Parents: A Comprehensive Guide

As someone with over 30 years of experience in the insurance industry and having helped hundreds of families secure their financial future, I want to share some straightforward guidance on purchasing life insurance for your parents. Why Consider Life Insurance for Your Parents? Life insurance can be a crucial financial tool that provides peace of…

Business professional holding a holographic display of insurance protection symbols including family, umbrella, home, health, and financial icons, representing comprehensive life insurance coverage for self-employed individuals.

Life Insurance for Self-employed in 2025

Here’s a scary thought: nearly a quarter of working professionals depend entirely on their workplace life insurance. Take the leap to self-employment, and poof—that safety net disappears. Business owner life insurance is often overlooked, yet it’s one of the most crucial financial decisions entrepreneurs make after leaving traditional employment. Most people who strike out on…

Spouse Protection from Family Financial Feuds After You Die

Safeguarding your spouse is one of the most instinctive characteristics of married couples, a theme even depicted in Greek mythology. In the epic tale of the Trojan War, Prince Paris of Troy abducts Helen. That treachery sparked a ten-year conflict as the Greeks, led by King Menelaus of Sparta, fight to reclaim her. This act…

Social Security Life Insurance Policy: A Safety Net for Surviving Spouses

A Social Security life insurance policy can be a life-sustaining benefit at a tough time. Here is how it works and the concept behind this vital benefit. Most studies show that when a married couple retires, it will be about twenty years before the first spouse dies. It’s not a comfortable thought to think about…

Senior Life Insurance to protect your loved ones

Senior Life Insurance: Protecting Loved Ones at Any Age

Senior Life Insurance may feel like deciphering the most challenging crossword puzzle. Some clues may not make sense, and it’s difficult to see how everything fits together. But without life insurance, our loved ones could face financial hardships. Or the dream of leaving a legacy for the next generation may remain unfulfilled. It’s easy to overlook…

High Blood Pressure and Life Insurance: What You Need to Know

High blood pressure is a concern for about 1 in 3 Americans. If you have this condition and want life insurance, it’s important to understand how insurance companies evaluate it to find the best policy for you. When someone applies for life insurance, the insurance company needs to evaluate their risk and eligibility. This is…

ADHD and Life Insurance: What You Need to Know

ADHD could be a roadblock to you providing for your family if you die. Just as you realize that life insurance is crucial for securing your family’s future, the question arises: Does having ADHD make obtaining coverage challenging? Not necessarily if you go about applying for it in the right way. This article is here…

Combination Long-Term Care/Life Insurance Policies: Understanding, Advantages, and Considerations

When people think about retirement, they often think about long-term care and life insurance, but combining long-term care with the dual coverage of life insurance may be a better solution. As you get older, life insurance gets expensive. Long-term care insurance is expensive too. Purchasing both policies separately can be unfeasible for many people. That’s…