You submit your life insurance application feeling confident about your health, only to receive a letter weeks later with terms that don’t match what you expected. The premium is higher than quoted, or worse, you’ve been placed in a “substandard” category that sounds more alarming than your doctor’s last assessment suggested. This disconnect between your […] Read more
Life Insurance
Illinois Mortality Rates 2025 Comprehensive Health Report Population 12.67M 6th highest in US Life Expectancy 78.8 years National average Mortality Rate 15th Highest overall Annual Deaths 110,022 863.5 per 100,000 Leading Causes of Death Updated data from 2018-2019 showing Illinois mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 National Rank Heart Disease […] Read more
It’s pretty safe to say that once your doctor mentions words like “chronic,” “progressive,” or “long-term management,” your mind is probably going to quickly race beyond the immediate treatment concerns towards the longer-term realities – how will this affect your ability to work, care for your family, and maintain financial stability? And while traditional life […] Read more
West Virginia Mortality Rates 2025 Comprehensive Health Report Population 1.79M 37th highest in US Life Expectancy 74.4 years Lowest nationally Median Age 42.9 years 4th oldest state Annual Deaths 23,478 1,300.1 per 100,000 Leading Causes of Death Updated data from 2018-2019 showing West Virginia mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 […] Read more
Rhode Island Mortality Rates 2025 Comprehensive Health Report Population 1.1M 45th largest state Life Expectancy 78.5 years 8th highest in US Population Density 2nd Most dense after NJ Annual Deaths ~10,300 Small state impact Leading Causes of Death Rhode Island mortality statistics showing the Ocean State’s health patterns and national comparisons: Cause of Death Per […] Read more
🛡️ Multiple Policies = Strategic Coverage Customized Protection for Complex Needs Yes, you can have multiple life insurance policies to create layered protection that matches your changing needs. ✓No Legal Limit: Own as many policies as needed ✓Strategic Laddering: Different terms for different needs ✓Cost Optimization: Mix policy types for best value !Coverage Limits: Insurers […] Read more
Let’s face it, even though every life insurance commercial you’re going to see is going to make it look like purchasing a policy is “super easy” the fact is, buy a life insurance policy can sometimes be quite difficult. Difficult because… First, you need to decide how “much” life insurance you’re going to need. And […] Read more
New Mexico Mortality Rates 2025 Comprehensive Health Report Population 2.10M 35th highest in US Life Expectancy 77.2 years Men: 70.2 | Women: 80.4 Population Density 17.36 per sq mile (45th most dense) Annual Deaths 19.0K 907.1 per 100,000 Leading Causes of Death Current data showing New Mexico’s mortality statistics and national rankings: Cause of Death […] Read more
📈 Flexibility vs Predictability Short-Term Coverage with Annual Renewal Annual Renewable Term (ART) provides maximum flexibility but comes with increasing premiums each year. ✓Ultimate Flexibility: Cancel or adjust anytime ✓Lower Initial Cost: Cheapest first-year premium ✗Rising Premiums: Increases annually with age ✗Long-Term Expensive: Costly after age 50 “ART is perfect for temporary needs but expensive […] Read more
When it comes to protecting our loved ones, there are many questions and uncertainties that arise. What will happen to our family if the worst should occur? How will they financially survive without us? These are heavy thoughts, but they are also important ones to consider. And even though considering the future and what might […] Read more
