Understanding the nuances between different types of disability coverage is crucial for policyholders in the realm of disability insurance. One important concept that often comes into play is a residual … Continue reading How Residual Disability Benefits Provide Financial Security | What is a Residual Disability and Why the Residual Disability Benefits Rider is so Important

Dental hygienists or dental assistants probably don’t think of the importance of disability insurance. At least not right away. If you are a dental hygienist or assistant, you are busy! … Continue reading Disability Insurance Guide For Dental Hygienists And Dental Assistants | We Discuss Underwriting, Plan Types, Cost, And The Best Options

Most people who are overweight or obese think they can’t obtain burial insurance, but that is not true. If you are overweight or obese, you can obtain burial insurance. Moreover, … Continue reading 3 Affordable Burial Insurance Options For Overweight People | No Matter Your Situation, We Can Likely Help You Obtain Burial Insurance

As we age, the possibility of needing long-term care becomes more likely. In recent years, the insurance industry developed various types of long-term care insurance to help cover these potential … Continue reading 5 Types of Long-Term Care Insurance | Know Your Best Options

Did you know that body part insurance exists? It does. You probably have heard of it through the national news. Many celebrities and athletes get specific body parts insured. It … Continue reading What is Body Part Insurance and Do You Need It? | We Discuss A Better Option

In this article, I will tell you how people with bipolar disorder or manic depression can obtain life insurance. If you have bipolar disorder, you may have thought that life … Continue reading Here Are 4 Life Insurance Options If You Have Bipolar Disorder | We Discuss The Options And How You Can Get Approved!

Medicaid, life insurance, and Medicaid eligibility. These together aren’t like peas and carrots. More like oil and water! Far too often, people applying for Medicaid find out that their life … Continue reading Does Life Insurance Affect Your Medicaid Eligibility? It Can. We Discuss 3 Options That It Won’t

Sometimes, I’ll have CNBC, Yahoo! Finance, or some other news channel on here in the office, and invariably, the Colonial Penn 995 Plan commercial comes on. You know the one. … Continue reading Is The Colonial Penn 995 Plan Worth The Money? | We Give You An Expert, Unbiased Review And If There Are Better Options For Your Situation

Loans have been a common lending solution for many small business owners. One common loan program is the small business loan program administered by the US Small Business Administration (SBA). … Continue reading How to Secure Life Insurance when Applying for SBA Loans [Easy Process & Approval]

Truck drivers probably don’t think about disability insurance much, right? You know the importance of getting your shipments and loads on time. Your customers rely on you to be on … Continue reading Disability Insurance Guide For Truck Drivers [Learn Your Options & Save Money]

In my opinion, there is no disputing how important disability insurance is. Just go to www.gofundme.com to see the pain many people and families experience when a breadwinner is hurt … Continue reading Disability Insurance Underwriting Guide: Important Factors You Need To Know To Get Approved Today!

Are you looking for a $10,000 whole life insurance policy? Many options exist; however, you want to ensure you purchase the right type of policy. $10,000 is a popular coverage … Continue reading Your Best Cost For $10,000 Whole Life Insurance Policy [By Age & Health]

Do you know many reasons exist why a life insurance company won’t pay out a death benefit? You want to know what these reasons are, right? I have compiled 21 … Continue reading 21 Reasons Why Your Life Insurance Won’t Pay Out | Although These Situations Don’t Happen Often, They Can Happen

As they say, “It’s all in a name.” In this case, the definition of disability in your policy determines whether or not you will receive benefits from your claim. What … Continue reading How The Definition of Disability Affects Your Benefits | If You Don’t Know This Definition, You Could Be in for a Surprise When You Make a Claim

Are you looking for life insurance, but were you offered graded death benefit whole life insurance instead? Yes, the broker said that because of my health conditions, I am only … Continue reading What Is Graded Death Benefit Whole Life Insurance? | We Discuss What This Type Of Life Insurance Is, And If You Need It!

Do you have multiple sclerosis and have had a hard time obtaining life insurance? Yes, John, I have. I was just declined.  That happens, but the good news is that … Continue reading 4 Life Insurance Options Available For Multiple Sclerosis | Yes, People With Multiple Sclerosis Can Obtain Life Insurance | Here Is How

Are you a Massachusetts resident looking for affordable dental insurance plans, offering good value? Yes. I can’t find anything good. I know what you mean. I’m a Massachusetts resident, too. … Continue reading Discover A Viable Dental Insurance Plan For Massachusetts Residents

Women don’t often think about purchasing life insurance on themselves, but they should. Women play a pivotal role in the family dynamics. Moreover, the family relies on them more than … Continue reading Life Insurance For Women: A Comprehensive Guide To Approval

I think you’ll agree with me that massage therapists probably don’t think about disability insurance. But, they should. Why? Well, your work is hands on…literally. You truly make a difference … Continue reading Best Disability Insurance Options For Massage Therapists | Here’s What You Need To Know!

In this article, I discuss the best disability insurance options for teachers. I also go into detail about what constitutes a great policy, discuss underwriting, and discuss costs. This is … Continue reading Best Disability Insurance Options For Teachers | Even If You Have Some Through Work, You May Not Be Fully Covered

The unfortunate truth is that people lie all the time, and many people lie on life insurance applications. How do I know? I’ve witnessed it. I’ve been doing this for … Continue reading 3 Bad Consequences Of Lying On A Life Insurance Application

If you have family members with autism or have a type of autism spectrum disorder, you may wonder if it’s possible to get life insurance on them. I am here … Continue reading How To Get Life Insurance Approved For Autism The Right Way | No Matter Your Situation, We Can Likely Get You Life Insurance

In this article, we are going to discuss how parents can get life insurance for their autistic child. Contrary to what you may have heard, you can obtain life insurance. … Continue reading 3 Life Insurance Options Approved For An Autistic Child | Life Insurance Is Available. We Discuss Your Options.

As a musician, you enjoy performing for audiences and creating music that impacts people. You have an extremely unique skillset matched by only a few. You enjoy your career and … Continue reading Best Disability Insurance Options For Musicians | We Discuss This Very Important Insurance Which Protects Your Income And Wealth

Nurses usually don’t wake up in the morning and think, “Gosh, I need some disability insurance!” Am I right? If you are a nurse, you are busy. Being on your … Continue reading How Nurses Protect Their Income And Wealth With Disability Insurance | Nurse’s Guide To Understanding Disability Insurance And The Best Disability Insurance Options Available

Divorce proceedings can be tricky and complicated. Lawyers are involved and assets are split. Emotions are high. Divorce proceedings can tie up life insurance policies as well. If you aren’t … Continue reading How To Avoid This Life Insurance Mistake During Divorce | Your Guide To Understanding How Life Insurance Works During And After Divorce

Chiropractors don’t have a lot of time thinking about disability insurance, am I right? I think you will likely agree with me on that. Yeah, John. I am pretty busy, … Continue reading Best Disability Insurance Options For Chiropractors | Your Guide To Understanding This Important Insurance

Do you have schizophrenia and are looking for life insurance? However, do you feel you are at a dead end because life insurance companies decline you? Yes, John. I’ve applied … Continue reading 3 Life Insurance Options Approved For Schizophrenia | Yes, You Can Obtain Life Insurance! Here’s How

Have you heard of life insurance with “living benefits”? Yes, John. I looked up living benefits of life insurance and got confused. Also, I spoke to another agent who really … Continue reading Ultimate Guide To Understanding Life Insurance With Living Benefits | We Discuss How These Plans Work And If They Are Right For You

Many people get confused about the face amount of a life insurance policy. The reason is that there are other names for the face amount. For example, some people think … Continue reading What Is The Face Amount Of Life Insurance? We Explain What It Is And How To Obtain The Right Face Amount For You

Did you know guaranteed issue term life insurance exists? No, John. I’ve only heard about guaranteed issue whole life insurance. Right. This is guaranteed issue term life. Same thing. No … Continue reading 3 Guaranteed Issue Term Life Insurance Options | Easy Application | Everyone Approved!

Many life insurance companies offer life insurance riders for policyholders. Life insurance riders allow policyholders to customize their policy to their needs and wants. Like a knot, they attach to … Continue reading The Best Life Insurance Riders And Ones You Don’t Need

Have you heard about limited pay life insurance and wondered what it is about? Yes, John. Another agent presented it to me, and it made no sense. Well, sometimes the … Continue reading Is A Limited Pay Life Insurance Policy Right For You? We Discuss What Limited Pay Life Insurance Is, Advantages, And Disadvantages

Many people ask me if life insurance is part of the probate process. My answer is that it could be. If you aren’t careful, then life insurance proceeds could end … Continue reading Are Life Insurance Benefits Included In Probate Upon Death? | They Could Be If You Are Not Careful

You know how important health insurance is. Having no health insurance exposes you to potentially significant hospital and doctor costs. If you don’t have a social security number, you may … Continue reading 3 Health Insurance Options For People Without A Social Security Number | Here’s How & Options

Have you heard of participating vs. non-participating life insurance and wonder what the hubbub is all about? If so, you are not alone. Yeah, John. All I need is a … Continue reading 5 Differences Of Participating Vs. Non-Participating Life Insurance | We Discuss The Differences And Which One Is Right For You

You’ve been told that people with Down Syndrome can’t get life insurance. However, that is not true. People with Down Syndrome can obtain life insurance. That is right. If you … Continue reading This Is How People With Down Syndrome Obtain Life Insurance | Your Guide To Obtaining Life Insurance On Your Loved Ones

I think you’ll agree that smokers have a hard time finding affordable and cheap life insurance. Premiums are nearly double or triple – or much more – compared to that … Continue reading Yes, Smokers Can Obtain Cheap Life Insurance Rates. Sometimes Even At Non-Smoking Rates. Here Is How.

Many people ask me if they can obtain life insurance on their grandparents. Yes, you can. In fact, doing so can be a very easy process. Many life insurance companies … Continue reading Yes, You Can I Get Life Insurance For Grandparents? Here’s How | We Discuss How Grandchildren Can Obtain Life Insurance On Their Grandparents The Right Way

An agent talks to you about disability insurance, but then mentions the “elimination period” or waiting period. Your eyes glaze over and that stops you from proceeding. Or, you briefly … Continue reading 2 Reasons Why The Disability Insurance Elimination Period Is Important To Understand | Knowing This Could Potentially Save You Thousands In the Long Run

I think you will agree with me that small business health insurance here in Massachusetts (MA) can be expensive. You want to do right for you and your employees. Heck, … Continue reading An Affordable Massachusetts Small Business Health Insurance Plan Solution | You Can Potentially Save Money With This Plan

You’ve lost a tooth, and now you wonder if dental implants are covered by insurance. Am I right? Yes, John. I am hearing that dental insurance doesn’t cover dental implants. … Continue reading Yes, Dental Implants Are Covered By Insurance | The Ultimate Guide To Getting Dental Implants Covered By Dental Insurance

Some say yes, others say no. We at My Family Life Insurance say that accident insurance is worth the money; however, as we always have said, the decision depends on … Continue reading 3 Solid Reasons Why Accident Insurance Is Worth It

Many people wonder what hospital indemnity insurance is and if they need it. Oh, John, you say. Stop right there. I have health insurance. I’m covered. Many people think they … Continue reading 3 Reasons Why Hospital Indemnity Insurance Is Worth The Money | We Discuss Why This Insurance Can Be An Important Component To Your Health Insurance

Recently, I received a phone call from a gentleman. He told me that he had a heart attack 6 months prior to his phone call and needed life insurance. If … Continue reading 3 Life Insurance Options Available And Approved for Heart Attack Survivors | Protect Your Loved Ones

Let me guess. You’ve never heard of the missing tooth clause until your dentist’s office manager told you about it, right? If so, you are not alone. The missing tooth … Continue reading Here’s How To Avoid The Missing Tooth Clause | We Discuss What The Missing Tooth Clause Is And 3 Options To Avoid It

If you have rheumatoid arthritis, you may wonder if you can purchase life insurance. The answer is more often than not, “yes”. You most certainly can obtain life insurance if … Continue reading 3 Life Insurance Options For People With Rheumatoid Arthritis [Approved! And, Here’s How]

Many people and seniors ask me if we have low cost burial insurance available. We do, and we at My Family Life Insurance have more options compared to other agents … Continue reading Best Low Cost Burial Insurance For Seniors 2024 | Your Guide To Selecting The Right Burial Insurance For Your Situation

Does life insurance pay for funeral costs and expenses? Many people ask me this question. The answer is “yes”. Life insurance will pay and cover funeral expenses. However, like anything, … Continue reading Does Life Insurance Pay For Funeral Costs? [Yes, Here’s How] | The Ultimate Guide to Paying for Funeral Costs with Life Insurance

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

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

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

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

Did you know you can sell your term life insurance policy to an unrelated third party? It is true. However, like anything, there are advantages and disadvantages to selling your … Continue reading 2 Solid Ways To Sell Your Term Life Insurance Policy | We Discuss The Details And If This Transaction Makes Sense

In this article, we are going to discuss short-term disability insurance costs for 2023. Disability insurance is an extremely important insurance that most families need. It is the only insurance … Continue reading Get Ahead of the Curve: 2024 Short-Term Disability Insurance Costs Explained

If you are like most people, you probably don’t think about how your driving record affects your life insurance rates. However, a bad driving record can negatively impact your life … Continue reading How A Bad Driving Record Affects Life Insurance Rates | You Can Still Obtain Life Insurance, But Options Depend On The Severity And Recency Of Your Driving Infractions

Practically every day, people ask me if the life insurance policies they are enrolling in will pay out for death due to a drug overdose. It is a valid question. … Continue reading Will Life Insurance Pay A Death Benefit From A Drug Overdose? | Yes, Generally Speaking, It Will. But There Are Cases Where Carriers Won’t Pay

Every day, someone asks me if they can buy life insurance if they receive SSDI benefits. The answer is, yes, you can. No, John. Another broker told me I couldn’t! … Continue reading Can You Have Life Insurance While On SSDI? Yes, Here’s How | We Discuss 3 Life Insurance Options Available To SSDI Recipients

You purchase disability insurance to protect your income and wealth in case you are sick or hurt and can’t work. However, did you know that most disability insurance plans do … Continue reading How To Get Disability Insurance With Pre-Existing Conditions The Right Way | We Set Your Expectations Correctly In This Guide

As a photographer, you have an eye for capturing reality. No two photo shoots are the same! But, if you are like most photographers, you probably don’t think about protecting … Continue reading How Photographers Protect Their Wealth With Disability Insurance | We Discuss How To Purchase This Important Insurance, Plan Options, Underwriting, And Costs

I think the Funeral Trust is the best-kept secret in Medicaid planning. John, what is that? I’ve never heard of it. Not many people have. That’s what we are going … Continue reading How A Funeral Trust Helps With Medicaid Eligibility | How It Helps You Qualify For Medicaid and Long-Term Care Coverage

You don’t smoke cigarettes. All you do is vape, e-cigarettes, or vaping, and all the life insurance carriers categorize you as a tobacco user. That sends your life insurance rates … Continue reading 3 Solid Non-smoker Life Insurance Options For Vaping | Yes, You Can Obtain Non-Smoker Rates

If you’ve had a DUI or DWI, you probably think you can’t obtain life insurance. Yeah, John. I made one mistake one night. I’m not an alcoholic. I’ve paid my … Continue reading How To Get The Best & Lowest Life Insurance Rates With A DUI| We Discuss What Options Are Available For Your Situation

Many professionals I speak with confuse themselves about the disability insurance benefit period. They read incorrect information elsewhere about the benefit period. Or, they speak with another agent who tells … Continue reading Why The Disability Insurance Benefit Period Is Important To Understand | We Discuss In Detail This Often Overlooked Component Of Disability Insurance

If you’ve had a stroke, you probably think you can’t obtain burial insurance. That is right, John. I just applied and was denied burial insurance. However, that is not true. … Continue reading 3 Affordable Burial Insurance Options After A Stroke | Approved Today

Let me guess. You like to skydive, are a skydiving instructor, or are a skydiving enthusiast, and you think you can’t obtain life insurance because of your hazardous hobby? Yes, … Continue reading How To Get Life Insurance If Skydiving | Your Guide To Finding the Lowest Cost Life Insurance For Your Skydiving Hobby

I get it: you want to grow your money safely, but Certificates of Deposit (CDs) offer a paltry return. You want safe CD alternatives that still grow your money. You’ve … Continue reading 2 Solid CD Alternatives That Grow Your Money | These Options Offer The Same Principal Protection But Higher Returns

Here’s the situation: you’ve applied for life insurance, and the carrier says you are a high-risk or impaired risk. So, they decline your application. If you are a high-risk applicant … Continue reading How High-Risk Applicants Get Approved For Life Insurance | 3 Life Insurance Options Available To You

We’ve talked about the importance of disability insurance ad nauseum. Self-employed professionals, workers, and employees should have some level of disability insurance to protect themselves. However, many carriers decline disability … Continue reading How Part-Time Workers Get Approved For Disability Insurance Every Time | Disability Insurance Options For People Who Do Not Work More Than 30 Hours Per Week

If you’ve struggled with substance abuse, you probably think you can’t get life insurance. Thankfully, that is not true. That’s right. If you have struggled with substance abuse – that … Continue reading 4 Life Insurance Options For People With Substance Abuse (Drug & Alcohol Abuse) | We Discuss Available Plans And Estimated Costs

There are many disability insurance carriers here in the United States. Did you know that an insurance carrier offers disability insurance for Christians? It’s true. While nearly all the carriers … Continue reading A Solid And Affordable Disability Insurance Option For Christians

It’s fantastic. We’ve helped many parents apply and enroll in life insurance in the last several years. A simple, term life insurance plan is a cheap and economical way to … Continue reading The Wrong Way To Name Your Child As A Life Insurance Beneficiary | And, 3 Options To Make It Right

If you have any felonies or criminal records in your background, you probably think you can’t obtain life insurance. That is not true, however. People with felonies and criminal records … Continue reading 3 Life Insurance Options Approved For Felonies And Criminal Records | Availability Depends On The Type And Severity Of Your Situation

If you live in New York, you’ve probably had a hard time buying burial insurance or funeral insurance (i.e. life insurance policies with a small death benefit). Am I right? … Continue reading Available And Affordable Burial Insurance Options For New York Residents | Burial & Funeral Insurance Can Be Hard To Find, But We Have Options For You!

We all want to buy the right insurance for our needs, and this insurance includes disability insurance. However, technology has changed how we purchase. We open our iPad or phone, … Continue reading Here’s The Best Way To Buy The Right Disability Insurance | 5 Steps To Selecting The Right Disability Insurance For You

So, you meet with an agent about disability insurance, and he or she starts going over all of the disability insurance riders. The agent says you need all of these … Continue reading 4 Disability Insurance Riders That Are A Waste Of Money | 3 That You Probably Need & Several Maybe’s

I guaranteed you’ve never heard of the LexisNexis Risk Classifier Score. Yet, it plays an important role in insurance. John, this sounds like it belongs in outer space, you say. … Continue reading What’s The Life Insurance LexisNexis Risk Classifier Score Really About?

Commercial, corporate, or professional pilots may wonder about disability insurance. But, like anything, life happens, and this insurance takes a back seat. If you are a pilot, I think you’ll … Continue reading How Pilots Protect Their Wealth With Disability Insurance | Through A Unique Policy Called Loss-Of-License Insurance

It’s a fact that one day, we all pass away. This fact includes our parents, and burial insurance helps pay for their funeral and final expenses. It also gives you, … Continue reading The Right Way To Buy Burial Insurance For Parents Approved Today! | It’s An Easy Process If You Follow The Right Steps

If you are a small business owner, say a hairstylist, and suddenly disabled, have you ever thought about how you would pay your studio rent? Thankfully, this is where business … Continue reading 3 Advantages Of Business Overhead Expense Insurance | Here’s Why Business Owners Should Consider This Unique Insurance

Many parents and grandparents purchase life insurance on their children or grandchildren. Usually, the life insurance is a whole life insurance policy. Did you know that indexed universal life insurance … Continue reading 4 Reasons Why Indexed Universal Life Insurance Is A Good Investment For Children | We Discuss The Advantages, Disadvantages, And Other Options

If you are a professional and a member of an association, you’ve probably received information in the mail about your association’s disability insurance. You don’t have any yet, and you … Continue reading 5 Reasons Why Association Disability Insurance Plans Can Be A Waste Of Money | Usually; We Give You The Inside Information So You Can Make An Informed Decision

In this article, I am going to tell you about a term life insurance plan that works well for Medicaid recipients. John, I heard term life insurance isn’t a good … Continue reading A Term Life Insurance Plan That Doesn’t Impact Medicaid Eligibility | We Discuss A Viable Option For You And Your Family

If you are an employee of a company, you likely have employer-sponsored (i.e. group) insurance benefits. One of the most common benefits offered to employees is group term life insurance. … Continue reading 5 Important Differences Of Group vs. Individual Life Insurance | Understand These Key Differences So You Can Make An Educated Decision

Did you know you can obtain term life insurance on your children or grandchildren? It is true. Agents abound tell you that it is not available. They say you can … Continue reading An Attractive, Better Gift: Term Life Insurance On Children | A Great And Inexpensive Way To Purchase Life Insurance

Millennials usually don’t think about disability insurance. If you are a millennial, I think you’ll agree with me about that. There’s a lot going on in your life, right? Disability … Continue reading 3 Strong Reasons Why Millennials Need Disability Insurance | Learn Why This Insurance Is Extremely Important

You’ve heard of dental vision hearing insurance (DVH insurance), and you think it is too good to be true. Am I right? It sounds good. It is like a “swiss … Continue reading How Do Dental Vision Hearing Insurance Plans Work Approved Now | We Go Into Detail About These “Combination” Plans And If They Are Right For You

If you are a business owner, you probably don’t think about using disability insurance to protect your business loans, right? You might already have some disability insurance already. So, why … Continue reading How Disability Insurance Protects Business Loans | We Discuss And Educate You On This Important Insurance

I think you’ll agree with me that everyone wants the “best”, and that includes Medicare Supplement plans, even for people in Massachusetts. To be clear, the “best” is a wicked … Continue reading What Are The Best Medicare Supplement Plans In Massachusetts? We Go Into Detail What The “Best” Means

I think you’ll agree with me that doulas don’t think about disability insurance. I mean, you are busy providing support for and educating your clients about the birthing and labor … Continue reading 3 Important Things Doulas Need To Know About Disability Insurance | Learn About This Important Insurance

You’ve heard the saying, “sometimes, it is too good to be true…” Well, that is not the case in getting term life insurance with instant approval nowadays. You see, the … Continue reading How To Get Approved For Term Life Insurance Wicked Fast | No Medical Exam! No Agent! Instant Approval!

There are 5-star restaurants. Five-star generals, too. You hear service organizations promote “five-star service”. There are even 5-star medicare advantage plans. What does 5-star mean to you? Right…the best. Do … Continue reading How To Avoid This Mistake With 5-Star Medicare Advantage Plans

If you chew, dip, use smokeless tobacco then you probably think you are ineligible for life insurance at non-smoker rates. I mean, chew tobacco contains nicotine. Nicotine is bad, right? … Continue reading Chew? How To Get Approved Cheap Non-Smoker Life Insurance [We Explain All The Details To Save You Money]

There’s a health care plan called senior care options for Massachusetts seniors. However, these plans aren’t your typical Medicare plan. While not all Massachusetts seniors qualify, some do. It’s worth … Continue reading How To Get Approved For Senior Care Options In Massachusetts [We Describe The Process And Details]

I know there are a billion prescription pharmacy discount cards, but one that stands out to us is Clever Rx. Here’s why. You simply, on average, save much more money … Continue reading How To Save More Money With The Clever Rx Discount Card [Potentially Save More Money Compared To Other Discount Cards]

I know you’ve seen the advertisements. Everywhere. If you are like me, you wonder how these prescription discount cards work. Many of them are “free”. How is that possible? Moreover, … Continue reading How Do Prescription Discount Cards Work? [Behind The Scenes Insight]

If you, or a loved one, have kidney disease, I am sure you worry about burial insurance. We are here to tell you that you can definitely obtain burial insurance, … Continue reading Don’t Worry: How To Get Burial Insurance Easily Approved For Kidney Disease | Immediate, Full Death Benefit Possible

I think you’ll agree, if you are a dentist or dental surgeon, you need your income. What happens if you can no longer work due to an illness or injury? … Continue reading What Dentists Need To Know About The Right Disability Insurance [Protect Your Loved Ones And What You Worked So Hard For]

I think you’ll agree with me having a strong, affordable personal accident insurance policy gives you peace of mind. There are few things that can be worse than going to … Continue reading The Best Personal Accident Insurance We Like For Individuals And Families [Affordable And Great Value]

If you own a home, you understand that you need insurance for mortgage protection. What’s mortgage protection insurance, you ask? 

If you have Cerebral Palsy and search for life insurance, you know there is a “wrong way” going about it. You’ve probably been declined and discouraged. Or other websites and … Continue reading How To Get Approved For Life Insurance With Cerebral Palsy [The Right Way]

I think you’ll agree with me that understanding dental insurance is like understanding a black box. Here’s what I mean. You pay a premium, sometimes hefty, and you don’t know … Continue reading Understanding Dental Insurance: Your Guide To Learning | And Saving Money!

Canadians living here in the USA need health insurance. You probably realized by now that health insurance operates much differently here than in Canada. The type of health insurance available … Continue reading Health Insurance Options For Canadians In The USA

When you lose your job, you have to think about protecting your future in the short-term, and that includes options for health insurance. Sure, your first step is to file … Continue reading 3 Important Health Insurance Options When You Lose Your Job | Coronavirus Or Anything Else

I read a Forbes article which described the increase life insurance traffic due to the Coronavirus (COVID-19). People are worried about dying from this virus, which has a 3.4% mortality … Continue reading Life Insurance And Coronavirus [Consider These Other Insurance Options]

Do you want guaranteed issue life insurance, with no health questions, up to 100k in death benefit? Yes! Great. There is a way to obtain $100,000 of guaranteed life issue … Continue reading 7 Guaranteed Issue Life Insurance Options Up To $100k | Easy To Apply

If you are like most people, you probably wonder if guaranteed issue life insurance is right for you. You’ve heard about it. It sounds good. You just fill out a … Continue reading Ultimate Guide: Guaranteed Issue Life Insurance

You’ve read about guaranteed issue life insurance and have a loved one under age 40. You think it might be a good fit for him or her. Or, maybe you … Continue reading 6 Solid Guaranteed Issue Life Insurance Options For People Under The Age Of 40

It’s no secret that the cost of health insurance has been increasing at a rapid rate. After your mortgage or rent, what’s your next largest cost? I bet it is … Continue reading Affordable Health Insurance For Maine Residents

Life insurance is an extremely important financial planning tool, even for non-US citizens. If you are a non-US citizen, you may be wondering if you can obtain life insurance here … Continue reading How Non-US Citizens Obtain Life Insurance

You’ve lived here in the US for a while. Maybe you have or are starting a family of your own. As a DACA recipient, you understand the need and importance … Continue reading Life Insurance For DACA Recipients | Here Is How We Help & Your Options

Maternity leave is an important time for parents. I can speak from experience. You want to enjoy your newborn as much as you can. There’s alot going on during this … Continue reading Paid Maternity Leave Insurance: A Better Option

It’s no secret; dental insurance is pretty important to your health. Many reputable healthcare sources state that there is a link to proper dental hygiene and your overall health.  However, … Continue reading Understand Your Dental Insurance!

Having a baby is a new and exciting moment. Your life definitely changes! (I speak from experience.) If you are a first-time parent, the process can be an exciting yet … Continue reading Do This Before Getting Pregnant

You may hear from your friends, family, neighbors, or even Alex Trebek that you need burial insurance. If you think you do, it is important that you know the types … Continue reading Types of Burial Insurance

I know you have a lot of financial priorities: mortgage, food, health care. If you have kids, then college savings as well. Why are we talking about critical illness? Well, … Continue reading Is Critical Illness Insurance Worth The Money?

If you read our article if critical illness insurance is worth the money, you know that answer really depends on you and your situation. Keep in mind that critical illness … Continue reading Your Best Critical Illness Insurance Options

Recently, we spoke to a woman who was looking for burial insurance for her husband. She was looking for life insurance to cover his burial and funeral expenses. This is … Continue reading Burial Insurance For Sickle Cell Anemia

Make no mistake about how important disability insurance is. We have written about the importance of disability insurance ad nauseam. Recall that disability insurance pays YOU a benefit in case … Continue reading Using The Right Income For Disability Insurance

Recently, we answered a call from a nice gentleman named “Joe”. (Not his real name.) He was looking for life insurance to cover his burial and funeral expenses. He retired, … Continue reading Affordable Burial Insurance For Oxygen Use

As an acupuncturist, relief is your middle name. You enjoy the challenge of helping your clients manage their pain and other health conditions. Moreover, you particularly enjoy how unique your … Continue reading Best Disability Insurance For Acupuncturists

Having a baby is expensive. You can look no further than the back page of the summary of benefits of your major medical policy. There, you’ll see an estimated cost … Continue reading Affordable Supplemental Pregnancy Insurance

According to the Mayo Clinic, there are 3 million new cases of Alzheimer’s disease each year. This condition is tough on families and loved ones. If you or a family … Continue reading Burial Insurance For People With Alzheimer’s Disease or Dementia

If you have bipolar disorder, you probably think that you can’t obtain burial insurance. That is simply not true. Sure, there might be life insurance carriers that decline you, but … Continue reading How To Find The Best Burial Insurance For People With Bipolar Disorder | We Discuss Burial Insurance Options For You

Chronic Obstructive Pulmonary Disease, also known as “COPD”. If you have COPD, you probably think that you can’t obtain burial insurance. That is simply not true. Sure, there might be … Continue reading Burial Insurance For People With COPD

You feel you need a lot of dental work. Maybe you went to the dentist, and he or she indicated several recommended, expensive procedures. Or, many of your friends have … Continue reading High Benefit Dental Insurance For Seniors And Families

It’s common nowadays. Your dentist is out of network. We will explain what that means next. However, you are paying monthly premiums and are paying a lot out of pocket. … Continue reading Help With My Out Of Network Dentist Costs!

As a personal trainer, you meet with clients every day. You enjoy your job, helping your clients attain a healthy lifestyle and meet their goals. However, you absolutely need to … Continue reading The Most Important Personal Trainer Insurance You Don’t Have

We have said this before: disabilities do not discriminate. They affect the young, the old, the rich, the poor, the executive, the construction laborer, the accountant, and the tattoo artist. … Continue reading 3 Types Of Disability Insurance Available For Tattoo Artists | We Discuss This Important Insurance That Pays You If You Are Sick Or Hurt And Can’t Work

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

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

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

You 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 … Continue reading Don’t Make These Senior Dental Insurance Mistakes

Dental work is usually expensive and costly. Sometimes, your dental insurance won’t pay as much or very little. Did you know you can purchase secondary dental insurance? Yes, that is … Continue reading Affordable Secondary Dental Insurance

Teeth grinding, also known as bruxism, affects between 8% and 31% of the US population, children included. This condition causes additional stress including, but not limited to headaches, tooth wear, jaw … Continue reading Dental Insurance For Teeth Grinding

Let’s talk about disability insurance for stay-at-home moms and homemakers. It doesn’t exist, you say. Says who? My finance guy. Plus, I’ve read that elsewhere. Stay-at-home parents don’t earn an … Continue reading 3 Ways Stay-At-Home Moms And Homemakers Can Easily Get Disability Insurance | We Discuss Plan Options, Underwriting, And Costs

One can’t underestimate the importance of health insurance here in the United States. If you and your family have a social security number, you can usually obtain a policy that … Continue reading Health Insurance For Children Without A Social Security Number

As a convenience store owner, your work is hands on. You enjoy owning and operating a store that has impact on many people. (It’s not a “convenience” store for nothing!) … Continue reading Best Disability Insurance For Convenience Store Owners

A common situation. You make a new visit to a new dentist for a new patient appointment. You like the dentist and the staff. The location is nice. The waiting … Continue reading My Dentist Does Not Accept Insurance

Every day, thousands of Medicare-age beneficiaries are facing a decision. The decision is when to sign up for Part B. Not knowing when or signing up too late could have … Continue reading Mistakes When Signing Up For Medicare Part B

People with disabilities may feel life insurance is out of reach. That’s not entirely true. People with disabilities can obtain life insurance. If you have a disability, life insurance is … Continue reading How People With Disabilities Obtain The Best And Lowest Life Insurance Rates | If You Are Disabled, Here’s How To Purchase Life Insurance The Right Way!

Sign language interpreters usually don’t wake up in the morning and think, “Gosh, I need some disability insurance!” Am I right? Being a sign language interpreter can be a very … Continue reading Best Disability Insurance For Sign Language Interpreters | We Discuss How This Important Insurance Protects Your Income And Wealth

Your birth country does not define love. Nowadays, many US citizens are marrying foreign immigrants. While your love is strong, the process of your new spouse becoming a US citizen … Continue reading Do This Before Marrying A Non-US Citizen

Have you been planning an overseas trip? Maybe visit historic England, soak the sun in the French Riveria, or trek in the Argentinian Andes mountains? Visiting a new country is … Continue reading Best Travel Medical Insurance For Families

Medicare is serious stuff. If you are reading this article, you are likely enrolling in Medicare for the first time. For years, your employer has provided access to major medical … Continue reading 5 Mistakes Medicare Beneficiaries Make

Selecting the right disability insurance policy is no laughing matter. We all need the proper coverage. Yet, when we review policies from non-clients (people looking for our help), many of … Continue reading Top 5 Devastating Mistakes People Make With Disability Insurance | How To Avoid These Mistakes And Make The Right Decision On This Important Insurance

Nail technicians don’t think about disability insurance, but they should. As a nail technician, your work is hands-on…literally. You rely on your technical skills and style as well as your … Continue reading Best Disability Insurance For Nail Technicians | Your Guide To Understanding This Important Insurance

We at My Family Life Insurance know it is hard. English is a tough language to learn. You love your family. You understand that you need life insurance to protect … Continue reading Life Insurance For Spanish-Speaking Individuals And Families

If you have AIDS or HIV, you probably think you can’t get burial insurance. That isn’t true. I’m here to tell you if you have AIDS or HIV, you can … Continue reading Burial Insurance For AIDS Or HIV | We Offer Affordable Guaranteed Issue Life Insurance, Some Less Expensive Compared To Other Agencies

There are a lot of insurances out there: health, homeowners, life insurance, etc. There are so many, I am sure your eyes roll. Yet, there is one insurance that is … Continue reading 5 Reasons Why Disability Insurance Is So Important | We Discuss Why You Should Obtain This Important Insurance Or More Of It

If you have peripheral vascular disease (PVD) or peripheral arterial disease (PAD), you can obtain burial insurance. Moreover, you can likely obtain burial insurance rather easily at affordable rates. How … Continue reading Affordable Burial Insurance For People With Vascular Disease PVD or PAD | We Discuss Plan Options, Costs, And How Easy It Is To Apply

If you apply for life or disability insurance, usually the carrier sets up a paramedical exam. The exam consists of health questions, a height/weight check, a urine sample, among other … Continue reading How To “Ace” The Insurance Underwriting Phone Interview

I think you’ll agree with me that chefs need disability insurance. But, time gets in the way, and you don’t buy any. Until it’s too late. If you are a … Continue reading Best Disability Insurance For Chefs | We Discuss Plan Options, Underwriting, Costs, And The Best Options For Chefs

Do you have sleep apnea and need burial insurance? Yes, John. I applied with my agent, but her company declined me because I use a CPAP machine. Unfortunately, that is … Continue reading Burial Insurance For People With Sleep Apnea | We Discuss How To Apply, Plan Options, And Cost

If you have atrial fibrillation, you can obtain burial insurance. That is right. Additionally, most people with atrial fibrillation, or Afib, purchase burial insurance rather easily with no policy limitations. … Continue reading Here’s Affordable Burial Insurance For People With Atrial Fibrillation | Easy Application And Instant Approval

Are you a small business owner and looking for disability insurance? Sure, you can buy some individually. However, did you know that guaranteed issue disability insurance exists for small business … Continue reading Best Guaranteed Issue Disability Insurance For Small Business Owners

As a certified nursing assistant (CNA), you help people who are sick or hurt. Being on your feet, helping doctors, nurses, and patients with examinations, and treating patients with care … Continue reading Best Disability Insurance For Certified Nursing Assistants

As a licensed practical nurse (LPN), you help people who are sick or hurt. Being on your feet, helping doctors, nurses, and patients with examinations, and treating patients with care … Continue reading Best Disability Insurance For Licensed Practical Nurses

A contact lens exam is much different than a normal eye exam. In this article, we discuss contact lens exams and if your insurance covers one. Some do. Most don’t.

What concerns you the most about your health care? That is what we thought: your rising prescription drug medication! Rising drug costs hit seniors especially hard, since seniors are usually … Continue reading Are You Eligible For Prescription Advantage?

Social workers usually don’t think about disability insurance, but they should. As a social worker, your work is far-reaching and impactful. You enjoy the challenge of helping and assisting people … Continue reading Best Disability Insurance For Social Workers | We Discuss Disability Insurance And Selecting The Right Policy For You

You know that dental insurance is an important component of your overall health care. As we have said before, if your teeth hurt, everything hurts! And, if you wait too … Continue reading Best Time Seniors Should Purchase Dental Insurance

If you’ve been rated, declined, or received a counteroffer for disability insurance coverage, you probably think it is the end of the world. You better believe it, John, you say. … Continue reading Rated Or Declined For Disability Insurance Coverage? Here Are Your Options

In April 2018, the Centers of Medicare and Medicaid Services (CMS) started mailing new Medicare cards to beneficiaries. The new Medicare card program ends in April 2019. Likely, you have … Continue reading 10 Things You Need To Know About Your New Medicare Card

As a florist, your work is hands on. You enjoy creating beautiful floral arrangements and making your customers and clients feel good. Moreover, you particularly enjoy using your creativity and … Continue reading Best Disability Insurance For Florists

You probably didn’t know that you can make mistakes on your life insurance beneficiary designation, did you? And if you do, and you pass away, your beneficiary mistake could have … Continue reading 7 Critical Mistakes That Mess Up Your Life Insurance Beneficiary Designation | Watch Out For These Situations

You know that life insurance is important coverage. However, did you know that you still have to pay your life insurance premiums even if you are disabled, not working, and … Continue reading A Better Option For Life Insurance Waiver Of Premium Rider

Court reporters probably don’t think of disability insurance right away. But, they should. You are healthy, and you probably think a disability can’t happen to you. Sure, you are probably … Continue reading Best Disability Insurance For Court Reporters | We Discuss Purpose, Plan Options, Estimated Premiums, And Characteristics Of A Solid Policy

If you use your hands for your work and earn money, you might think you need hands insurance. Well, hands insurance does exist. However, unless you are a music star, … Continue reading Can I Insure My Hands With Hands Insurance? [Yes, A Better Option Exists With Disability Insurance]

Plumbers don’t wake up in the morning and think, “Gosh, I had better get me some disability insurance today.” But, if you are a plumber, you should. As a plumber, … Continue reading Best Disability Insurance For Plumbers | We Discuss Plan Design, Options, And Costs

Seniors generally think their Medicare plans cover their dental insurance needs. However, that is rarely true. Medicare and nearly all Medicare Advantage and supplement plans do not cover dental needs. … Continue reading 5 Strong Dental Insurance Plans For Seniors On Medicare | These Provide The Great Combination Of Affordability And Value

You’d have to be living under a rock if you didn’t know that healthcare costs are rising fast.  Many families are facing year-over-year premium rate hikes or increased cost-sharing. Does the … Continue reading How To Save Money On Medical Bills Using A Healthcare Discount Card

Veterinary technicians probably don’t think about disability insurance, right? But, you should. You are healthy, and you probably think a disability can’t happen to you. Sure, you are probably healthy. … Continue reading Best Disability Insurance For Veterinary Technicians | We Discuss This Important Insurance And Your Options

Let’s get straight to the point. Short-term disability insurance isn’t worth the money. It’s simply not. Except in 2 cases, and we will explain those situations further in the article. … Continue reading Here Is Why Short-Term Disability Insurance Isn’t Worth The Money? | We Discuss The Reasons And Money-Saving Options

Who doesn’t want to save money? One of the areas individuals and families can and should save money is through insurance – whether it is health insurance, Medicare, auto and … Continue reading 10 Ways To Save Money On Insurance

Personal trainers and fitness instructors probably don’t think of disability insurance, right? You are healthy, and you probably think a disability can’t happen to you. Sure, you are probably healthy. … Continue reading Best Disability Insurance For Personal Trainers And Fitness Instructors | We Discuss Plan Options And Cost

Do you think life insurance with living benefits is worth the extra money? John, I have no idea what you are talking about, you say. Wait. Have you heard about … Continue reading Here Is Why Life Insurance With Living Benefits Is Worth The Money | This Type Of Life Insurance Provides More Flexibility

In this article, I discuss why yoga and Pilates instructors need disability insurance. As a yoga or Pilates instructor, your work is hands-on. You enjoy teaching your students how to … Continue reading Best Disability Insurance For Yoga And Pilates Instructors | Why You Need This Important Insurance

Picture this: You wake up one morning. You ache. Your head is hot, but you have the chills. You aren’t hungry at all and the room spins. Making your way … Continue reading Best Sickness Insurance For The Self-Employed

As a stay-at-home parent, your life is busy. The days (and nights) can go on and on. You are a chef, doctor, psychologist, event planner, landscaper, accountant, and much more, all … Continue reading Best Disability Insurance For Stay-At-Home Parents

In this article, I discuss why secretaries and office managers need disability insurance. As a secretary, administrative assistant, or office manager, your job is more important than people realize. Each … Continue reading Best Disability Insurance For Secretaries And Office Managers | We Discuss This Important Insurance & The Carriers We Like To Use

We receive this question a lot from parents. Scour the internet for “life insurance on children” and you will read some scathing reasons from financial “experts” why purchasing life insurance … Continue reading Why Life Insurance On Children Makes Perfect Sense | We Discuss Why You Should You Buy Life Insurance For Your Child

As a podiatrist, your work is hands-on and busy. Most podiatrists don’t wake up in the morning and think, “Today is the day I’m going to look into disability insurance.” … Continue reading Best Disability Insurance For Podiatrists | We Discuss This Important Insurance & The Best Options Available

Selecting the right life insurance policy is no laughing matter. We all need the proper coverage. (Yes, even you single person unless you already have funding for your funeral lined … Continue reading 5 Devastating Life Insurance Mistakes People Make | And How To Avoid Them

  You understand that you need life insurance. However, you don’t have a social security number. Maybe you’ve applied elsewhere, and the carrier declines your application because you don’t have … Continue reading Life Insurance For People Without A Social Security Number | We Discuss The Steps And Options

If you have researched life insurance needs and coverage, you know selecting the right kind for you can be complex. Life insurance can be confusing. You probably have 1,000 questions. … Continue reading The First Question To Ask A Life Insurance Agent

As a beekeeper, your work is unique. Many people don’t understand how important your job is. It is more than helping the bees produce honey. You get satisfaction in taking … Continue reading The Best Disability Insurance For Beekeepers

Seniors know that Medicare does not include vision insurance. If your plan does, likely your plan limits vision coverage. Seniors typically have to buy their own vision insurance. Like anything … Continue reading How Seniors Get Inexpensive Vision Insurance The Right Way | We Discuss Process, Plan Options, Costs, And More!

We know the feeling…you need life insurance, but the thought of going through an insurance agent is worse than getting a tooth pulled. Or, it is worse than a migraine. … Continue reading How To Purchase Term Life Insurance On Your Own, Without An Agent | DIY Term Life Insurance The Right Way

If you have a Medicare Advantage plan, you may have heard of the Medicare Advantage Open Enrollment Period (MAOEP). Nope. It’s not the Annual Open Enrollment Period. The MAOEP starts … Continue reading Your Do Over: The Medicare Advantage Open Enrollment Period (MAOEP) | Understand Your Options So You Can Maximize Your Plan

What is gap health insurance? Nope. It is not clothing for health insurance carriers. It is insurance that will help pay for your out-of-pocket medical costs. Why is paying for … Continue reading Here Is Why You Need Affordable Gap Health Insurance Now | We Give You All The Details Why This Insurance Is Critical To Peace-Of-Mind

We wrote an article that described the 3 reasons why whole life insurance is a bad idea. How can we write an article about why whole life insurance is a … Continue reading Important Reasons Why Whole Life Insurance Is A Good Idea [We Explain The Benefits Of This Product]

I know nannies don’t wake up in the morning and think, “Today would be a good day to buy some disability insurance.” Your occupation is very busy, and you have … Continue reading Best Disability Insurance For Nannies [Guide: Learn Your Options & Protect Your Family]

Chances are, if you are reading this article, some agent presented the virtues of whole life insurance to you. Or, maybe you purchased a whole life policy and having second … Continue reading 3 Reasons Why Whole Life Insurance Is A Bad Idea [We Discuss The Details & Your Options]

Housekeepers and housecleaners probably don’t think of disability insurance, right? You are busy! Moreover, your work can be tough, though. However, you enjoy beautifying your client’s homes or offices. You … Continue reading Best Disability Insurance For Housekeepers And Housecleaners [Why You Need To Protect Your Income]

Veterans: first, we thank you for your service. If you are approaching age 65, or beyond this age already, you might be wondering about Medicare and how it works with … Continue reading How To Coordinate VA Benefits And Medicare The Right Way | Understand Your Situation To Make The Best Decision

As a dentist or dental surgeon, you know you need disability insurance. But, which carrier do you choose? There are so many options. The good news is that we did … Continue reading Best Disability Insurance For Dentists And Dental Surgeons [The Best Ones We Feel To Protect Your Career, Income, And Family]

Are you trying to decide if dental insurance is right for you?  While we find that dental insurance is a great choice to protect your teeth long-term, it does come … Continue reading 8 Reasons Why A Discount Dental Plan Is Better Than Dental Insurance

Massachusetts residents who possess long-term care insurance are granted a unique provision. The provision is the only of its kind in the nation. Let’s back up a bit. You’ve probably … Continue reading How To Save Your Home With Massachusetts Long-Term Care Insurance [Here Are The Steps And Information You Need To Protect Your Home]

I had a Medicare beneficiary once say to me, “John, this is all a maze. It is so confusing. No wonder why people don’t know what they have or make … Continue reading How To Choose The Right Medicare Insurance Plan

At some point, unless you don’t have prescription drug care through your former employer, you will need to pick a Part D Medicare prescription drug plan. Selecting the right part … Continue reading How To Pick The Right Part D Medicare Prescription Plan In 4 Steps

When people think of long-term care insurance, a favorable tax deduction is the last they think of. Why? Well, traditional long-term care insurance has had a bad rap these days. … Continue reading Long-Term Care Insurance Tax Deduction | How It Helps & Other Tax Advantages

There’s not a lot of time for mechanics to think about disability insurance, right? If you are a mechanic, your work is hands-on. And, busy! You enjoy the challenge of … Continue reading Disability Insurance For Mechanics [Here’s What You Need To Know]

It is a fact: You will probably need some form of long-term care (LTC) (that is, custodial care) in the future. The Centers for Medicare and Medicaid estimate that 7 … Continue reading Need Long-Term Care? A Hybrid LTC Policy Can Help

Do you want to save money on your Medicare Part D cost? Who doesn’t, right? Prescription drug costs have gotten out-of-hand. While you know that, did you know premiums are … Continue reading How To Save Money On Your Medicare Part D Cost [Top 4 Ways And Be Worry-Free!]

Real estate agents and realtors usually aren’t thinking about disability insurance, right? I mean, you’re busy! You are on the go all the time. Open houses, client meetings, touring homes … Continue reading Best Disability Insurance For Real Estate Agents And Realtors [Know Your Options And Protect Your Livelihood]

We previously wrote about GTL Advantage Plus, a type of hospital indemnity insurance, back in 2017. At the time of writing, we were not contracted with them. We wrote an … Continue reading GTL Advantage Plus

Ask any Medicare beneficiary about observation status, and you’ll likely receive a four-letter word response. Medicare observation status can be sticker shock. It’s on the one hand mirage, on the … Continue reading How To Prevent Medicare Observation Status [Know How To Get Around This And Save Money]

A colleague told me about her second mortgage. Unaware of the reason, I asked her why. “Oh, John,” she says laughing. “I’m talking about my health insurance premiums.”

If you are an undocumented immigrant (i.e. considered illegal) living here in the United States, you may wonder about the future. You love your family. You may worry if something … Continue reading Life Insurance Options For Undocumented Immigrants [Yes, You Can Obtain It & Easily, Affordably, Too!]

Being declined for life insurance feels like a right hook to the face. You just completed a life insurance application, something on your “to-do” list for a while. You feel … Continue reading Declined For Life Insurance? Don’t Worry. You Can Still Obtain Life Insurance. Here’s How.

I suspect that health insurance confusion is worse than filling out taxes. That’s what I feel when I speak to people about health insurance. People become even more confused when … Continue reading Let’s Clear Up Your Health Insurance Confusion | Understand And Save Money

You’ve probably never heard of NGL or a funeral expense trust (or funeral trust, for short). When a person is searching for the right final expense or burial insurance, sometimes … Continue reading NGL AssetGuard and NGL Funeral Expense Trust [Protect Your Money With This Powerful Combination]

Did you know there are disadvantages to indexed universal life insurance (IUL)? It is true. There are advantages and disadvantages to every type of insurance, and this includes indexed universal … Continue reading 5 Disadvantages of Indexed Universal Life Insurance [Unbiased Review] | Know The Disadvantages, How This Product Works, And Your Options

Hairstylists and barbers probably don’t think much about disability insurance, right? You understand the importance of doing a great job, though. You enjoy making your customers look good and feel … Continue reading Best Disability Insurance For Hairstylists and Barbers [Affordable Options To Protect You]

You don’t wake up in the morning, turn to your spouse, and say “Honey, let’s buy some burial insurance.” Who does that? Mostly no one. Most of the time, people … Continue reading 5 Types Of Burial Insurance Not To Buy [And 3 Types You Should]

Here at My Family Life Insurance, we are asked often about indexed universal life insurance (IUL). There is good reason. At the end of 2018, indexed universal life insurance sales … Continue reading Indexed Universal Life Insurance: Everything You Need To Know | The 2024 “No Fluff” Guide

Insurance policies for newlyweds? “Ha!”, you think. “Do you know what we have been doing?”, you ask. No doubt this is a busy time for you. You went from cake-tasting … Continue reading The 2 Most Important Insurance Policies For Newlyweds | I Bet You Don’t Have Enough Of These

Recently, we have had several clients approach us if they should purchase an annuity or life insurance policy as it relates to saving money. Both can offer conservative value growth … Continue reading Annuity Versus Life Insurance: Which Is Better To Save For Retirement?

Are you looking to save money on Medicare? You are not alone. According to a new report by CNBC, a healthy couple aged 65 could expect to pay over $385,000 … Continue reading 5 Ways To Save Money On Medicare [Simple Solutions]

Years ago, marijuana users couldn’t obtain life insurance. No way! However, the marijuana industry has changed in the last several years. No longer is the stigma that smoking marijuana is … Continue reading Yes, Marijuana Users Can Obtain Life Insurance | Easily Attainable, Too

We all make mistakes. Mistakes give us a chance to learn and grow. In many cases, making a mistake is harmless. However, I’m sure you will agree, there are situations … Continue reading The Top 10 Life Insurance Mistakes

Deciding on options for long-term care insurance has typically been filed under “head in the sand” by most families and individuals. If you are like most people, age 50 or … Continue reading Understanding Your Long-Term Care Insurance Options | Likely Care Is In Your Future

If you don’t have a social security number, you probably think you can’t get life insurance. Unfortunately, many carriers and agents say you need to have a social security number … Continue reading No Social Security Number? No Problem! How To Purchase Life Insurance Without A Social Security Number

Have you thought about using your life insurance policy as a retirement plan? Everywhere you read and hear, advisors say you need to use life insurance to save for retirement. … Continue reading Life Insurance As A Retirement Plan | Yes, It Can Work, But Know The Details

You know the saying. You must be living under a rock if you haven’t heard about the proposed American Health Care Act (AHCA, also known as “TrumpCare”). Maybe you have … Continue reading AHCA Summary: What You Need To Know Now

If you’re self-employed, do you think about your insurance needs? Probably not… There are so many other things to think about as a self-employed professional. Let me ask you a … Continue reading 5 Types of Insurance Every Self-Employed Professional Needs

You met with an insurance agent about term life insurance. After a discussion about the benefits of term insurance, the agent says to you: “Did you know only 3% of … Continue reading Understanding Return of Premium Life Insurance Pros and Cons

Insurance for stay-at-home moms and parents? Ha, you think! But, you should know if you are a stay-at-home parent, you know your household can not function without you. A large … Continue reading Here Are The Insurances Stay-At-Home Moms And Parents Need [Very Affordable]

Life insurance calculators. Meant to help you, but do they leave you more confused? Have you ever looked at so many numbers and figures, not knowing what they mean, that … Continue reading Why You Won’t Find A (Super Duper) Life Insurance Calculator On This Website

A single person doesn’t need life insurance, right? You may have friends with children or are aware that a married couple should have some level (a good level) of life … Continue reading Why A Single Person Needs Life Insurance

If you have a final expense life insurance policy, you probably don’t think it could affect your care in nursing homes. We know you did the right thing. You purchased … Continue reading Your Final Expense Insurance Could Be Taken By Nursing Homes – Unless You Do This

You did a nice thing for your son or daughter. You cosigned a student loan. Or, maybe you helped out your brother or sister, cosigning an auto loan. You feel … Continue reading 5 Things To Do If You Cosigned A Student Loan – Or Any Loan

Some families find it difficult to pay medical bills. Does this sound familiar? Here is a quick quiz. What is the top reason people enter bankruptcy? credit card debt hospital … Continue reading Ways To Pay Medical Bills Without Financial Pain

How to protect assets from nursing home costs is on the top of people’s minds. In a study administered by the Associated Press and the NORC Center for Public Research, … Continue reading How To Protect Assets From Nursing Home Costs [Using A Trust]

We are sure you have never heard of United Farm Family Life/ United Home Life (The company either is UFFL or UHL depending on the state you live). They are … Continue reading Who Is United Farm Family Life / United Home Life?

Can I obtain life insurance if I have HIV? The short answer – yes. The life insurance industry is changing for the better. Some insurers are not only adjusting policy … Continue reading Can I Obtain Life Insurance If I Have HIV?

Have you ever heard of the MIB? Nope, in this case, we aren’t talking about a bunch of men, dressed in black, looking for aliens. You may have heard of … Continue reading Life Insurance: What Is The MIB?

Have you heard of short-term care insurance? No? Well, you surely have heard of long-term care insurance. Anywhere you read or hear, someone is talking about the need for long-term … Continue reading Short-Term Care Insurance: Easier Approval And More Affordable Compared To Long-Term Care Insurance

Don’t think you need disability insurance? Well, you probably do. One in 3 working adults will experience a disabling injury or illness lasting longer than 90 days. Considering that the … Continue reading 5 Good Reasons You Need Disability Insurance