Author: John

I am a CFP® Professional and have an MBA. I founded My Family Life Insurance to provide honest, trustworthy advice and economical insurance solutions to individuals, families, and business owners. Contact me if you have any questions. There is no risk! If I can't help you, you've learned a little more, and we'll part as friends. Seriously! Can your current agent say this? View my linked-in profile here: www.linkedin.com/in/johnbarnescfp

Step-by-Step Guide to Understanding How Life Insurance Tables And Table Ratings Affect Your Cost

Updated: April 12, 2024 at 9:38 am

We aren’t talking about kitchen tables. In your search for affordable life insurance, you may have heard of the terms “life insurance tables” or “table rating”.

Or, maybe you applied for life insurance, and the life insurance company offered a “table rating”. You probably have no idea what this means.

Yeah, John. I am confused. They want to charge me a higher premium!

No problem. In this article, we discuss the importance of understanding life insurance tables and table ratings (hint: it saves you money!).

Continue reading Step-by-Step Guide to Understanding How Life Insurance Tables And Table Ratings Affect Your Cost

Fly High With Low Rates: A Comprehensive Guide For Pilots On Getting the Best and Lowest Life Insurance Rates

Updated: April 12, 2024 at 9:38 am

Pilots know how important life insurance is.

Accidents happen, and while flying accidents nowadays are rare, you still need that life insurance protection for your family and peace of mind.

But, John, I heard that carriers charge way more for life insurance because I am a pilot!

That was the case 10 years ago, but not anymore in most cases.

Continue reading Fly High With Low Rates: A Comprehensive Guide For Pilots On Getting the Best and Lowest Life Insurance Rates

2 Solid Life Insurance Options For People With Huntington’s Disease | We Discuss 2 Guaranteed Issue Options & Possibly More Options Available

Updated: April 12, 2024 at 9:38 am

Did you know that people with Huntington’s Disease can obtain life insurance?

It is true.

However, life insurance options are really limited. Are they the best life insurance for you? Well, depending on your specific situation with Huntington’s disease, they might be.

Continue reading 2 Solid Life Insurance Options For People With Huntington’s Disease | We Discuss 2 Guaranteed Issue Options & Possibly More Options Available

3 Advantages Of Key Person Disability Insurance | We Discuss This Important Insurance And Why Your Business Needs It!

Updated: April 12, 2024 at 9:38 am

In this guide, we discuss key person disability insurance and why, as a business owner, you should purchase such important, valuable coverage.

John, you say, I already have this. My other agent sold me key person life insurance.

Nope. This is different and arguably more important. Have you ever thought about what would happen if that key employee didn’t pass away, but instead, faced a long-term illness or injury?

Continue reading 3 Advantages Of Key Person Disability Insurance | We Discuss This Important Insurance And Why Your Business Needs It!