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

Dental Insurance For Non-US Citizens | Yes, We Have Options For You | No SSN Required

Updated: April 12, 2024 at 9:39 am

dental insurance for non-us citizensEveryone needs to take care of their teeth. The Mayo Clinic calls it a “window to your overall health”.  Dental insurance can be a key component to your dental health. If you are an undocumented or a non-US citizen here in the US, you may feel that you can’t buy dental insurance. That is not the case. Dental insurance is available for non-US citizens, including undocumented immigrants and those without social security numbers. In this article, we discuss dental insurance basics and the types of dental insurance available for non-US citizens.

Continue reading Dental Insurance For Non-US Citizens | Yes, We Have Options For You | No SSN Required

Disability Insurance Underwriting: What You Need To Know To Get Approved Today!

Updated: April 12, 2024 at 9:39 am

disability insurance underwritingIn my opinion, there is no disputing how important disability insurance is. Just get on www.gofundme.com to see the pain many people and families are experiencing. The solution to many of these situations, simply, would have been a comprehensive, affordable disability insurance policy. Their lives could have been so much better. However, if you need disability insurance, you need to know about disability insurance underwriting first. Knowing how underwriting works is the first step to obtaining a disability insurance policy.

We receive phone calls from many people who are interested in disability insurance. However, they are unaware of how their background and health affect their chances of obtaining a policy. Misunderstandings abound.

Continue reading Disability Insurance Underwriting: What You Need To Know To Get Approved Today!

3 Affordable Guaranteed Issue Life Insurance Options No Waiting Period | And, A Bonus Option

Updated: April 12, 2024 at 9:39 am

You were declined for life insurance. The agent says your only option is a guaranteed issue life insurance policy. But, the policy has a waiting period. You don’t like that. You want a guaranteed issue life insurance policy with no waiting period.

You’ve come to the right place. We can help.

John, my agent says that is impossible.

That is the usual response, but no, it is not impossible. We have 3 opportunities where people can obtain life insurance at guaranteed issue with no waiting period.

Continue reading 3 Affordable Guaranteed Issue Life Insurance Options No Waiting Period | And, A Bonus Option

How Real Estate Appraisers Obtain The Best Disability Insurance | We Discuss How Disability Insurance Protects Your Wealth, Plan Options, & Costs

Updated: April 12, 2024 at 9:39 am

As a Real Estate Appraiser, you know “valuation” is your middle name. You enjoy the challenge of analyzing and reviewing real estate properties. But, if you are like most Real Estate Appraisers, you probably don’t think about protecting your wealth and income with disability insurance. Or, even if you need it at all.

What if you could no longer do your job if you are sick or hurt? Have you ever thought about that?

Have you ever thought about what would happen if you became sick, ill, injured, and disabled?

Continue reading How Real Estate Appraisers Obtain The Best Disability Insurance | We Discuss How Disability Insurance Protects Your Wealth, Plan Options, & Costs

Don’t Make These Senior Dental Insurance Mistakes

Updated: April 12, 2024 at 9:39 am

senior dental insurance mistakesYou know how important dental health is to your overall health. Even the Mayo Clinic discusses the connection between proper dental and oral health to your overall health. Keeping your teeth and gums healthy costs money. Traditionally, dental insurance helps pay for these costs. Affordable dental insurance is especially important for seniors on Medicare who are on a limited or fixed income. However, a search of  “senior dental insurance” on Google leads to mixed results. Some pages direct you to a one-option solution. Others describe discount dental plans. (which could work). And, others describe a solution that you can go to any dentist, but what they fail to tell you is that you could face higher out-of-pocket costs than if you went to an in-network dentist.

Making a mistake here can cost you serious money, especially for seniors who can’t afford to make mistakes. In this article, we discuss senior dental insurance mistakes.

Continue reading Don’t Make These Senior Dental Insurance Mistakes