Education Center

Chew? How To Get Approved Cheap Non-Smoker Life Insurance [We Explain All The Details To Save You Money]

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]

How To Get Approved For Senior Care Options In Massachusetts [We Describe The Process And Details]

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]

How Do Prescription Discount Cards Work? [Behind The Scenes Insight]

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]

Don’t Worry: How To Get Burial Insurance Easily Approved For Kidney Disease | Immediate, Full Death Benefit Possible

Finally, Other Health Conditions Matter The carrier considers other conditions as well. They look at your overall health picture and take everything into consideration. For example, if you have sickle … Continue reading Don’t Worry: How To Get Burial Insurance Easily Approved For Kidney Disease | Immediate, Full Death Benefit Possible

The Best Personal Accident Insurance We Like For Individuals And Families [Affordable And Great Value]

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]

Get The Right Mortgage Protection | It’s Not Life Insurance. It Is Mortgage Disability Insurance!

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

How To Get Approved For Life Insurance With Cerebral Palsy [The Right Way]

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]

Understanding Dental Insurance: Your Guide To Learning | And Saving Money!

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!

Health Insurance Options For Canadians In The USA

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

3 Important Health Insurance Options When You Lose Your Job | Coronavirus Or Anything Else

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

Life Insurance And Coronavirus [Consider These Other Insurance Options]

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]

(Almost) Guaranteed Issue Life Insurance Up To $100k – One Question To Answer

You want guaranteed issue life insurance, no heath questions, up to 100k in death benefit. You just want an easy application and be done with it. Or, maybe you have … Continue reading (Almost) Guaranteed Issue Life Insurance Up To $100k – One Question To Answer

Ultimate Guide: Guaranteed Issue Life Insurance

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

Guaranteed Issue Life Insurance Under Age 40

You 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 Guaranteed Issue Life Insurance Under Age 40

Life Insurance For People With Rheumatoid Arthritis [Approved! And, Here’s How]

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 Life Insurance For People With Rheumatoid Arthritis [Approved! And, Here’s How]

Affordable Health Insurance For Maine Residents

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

How Non-US Citizens Obtain Life Insurance

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

Life Insurance For DACA Recipients | Here Is How We Help & Your Options

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

Paid Maternity Leave Insurance: A Better Option

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

Understand Your Dental Insurance!

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!

Do This Before Getting Pregnant

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

Types of Burial Insurance

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

Is Critical Illness Insurance Worth The Money?

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?

Your Best Critical Illness Insurance Options

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

Burial Insurance For Sickle Cell Anemia

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

Using The Right Income For Disability Insurance

Make no mistake 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 you … Continue reading Using The Right Income For Disability Insurance

Affordable Burial Insurance For Oxygen Use

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

Best Disability Insurance For Acupuncturists

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

Affordable Supplemental Pregnancy Insurance

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

Burial Insurance For People With Alzheimer’s Disease or Dementia

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

Affordable Burial Insurance For People With Bipolar Disorder

About 6 million people here in the United States live with bipolar disorder or manic depression. If you have bipolar disorder, you probably think that you can’t obtain burial insurance. … Continue reading Affordable Burial Insurance For People With Bipolar Disorder

Avoid The Missing Tooth Clause

You put off purchasing dental insurance for awhile now. But, your bicuspid fell out. Now you need to get that fixed. You just purchased dental insurance and go to the … Continue reading Avoid The Missing Tooth Clause

Burial Insurance For People With COPD

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

High Benefit Dental Insurance For Seniors And Families

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

What Do Life Insurance Tables And Table Rating Mean?

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, you may have … Continue reading What Do Life Insurance Tables And Table Rating Mean?

Low Cost Burial Insurance For Seniors

Let’s compare two cars. They are the same. Same engine. Same color. The suspension is the same. The safety rating is also the same. Same radio, too. Maybe with the … Continue reading Low Cost Burial Insurance For Seniors

Help With My Out Of Network Dentist Costs!

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!

Affordable Burial Insurance For People With Huntington’s Disease

Huntington’s Disease is a genetic condition which affects the nerve cells in a person’s brain. If you or a family member have been diagnosed with Huntington’s Disease, you can still … Continue reading Affordable Burial Insurance For People With Huntington’s Disease

Short-Term Disability Insurance Costs

A short-term disability insurance plan pays a percentage of your income in case you are disabled and can’t work. The chance of a disability is real. Many industry sources state … Continue reading Short-Term Disability Insurance Costs

The Most Important Personal Trainer Insurance You Don’t Have

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

How To Obtain Life Insurance And Medicaid The Right Way [We Give You The Answers You Need With Life Insurance Options]

Medicaid and life insurance. These aren’t like peas and carrots. More like oil and water! You may have heard different information about Medicaid eligibility and life insurance. Frankly, a lot … Continue reading How To Obtain Life Insurance And Medicaid The Right Way [We Give You The Answers You Need With Life Insurance Options]

Types Of Disability Insurance For Tattoo Artists

We have said this before: disabilities do not discriminate. They affect the young, the old, the rich, the poor, the executive, and the construction laborer. The same for tattoo artists … Continue reading Types Of Disability Insurance For Tattoo Artists

Dental Insurance For Non-US Citizens

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

Disability Insurance Underwriting: What You Need To Know

In my opinion, there is no disputing how important disability insurance is. All you need to do is look up on www.gofundme.com the pain people and families are experiencing. The … Continue reading Disability Insurance Underwriting: What You Need To Know

Affordable Guaranteed Issue Life Insurance Exists

We can’t stress enough the importance of life insurance. (And, no, we aren’t that type of life insurance agent as displayed in the movie, Groundhog Day). But, we have seen … Continue reading Affordable Guaranteed Issue Life Insurance Exists

Is Hospital Indemnity Insurance Worth It?

In recent years, hospital indemnity insurance has made strides. This type of insurance has been around for awhile. However, not until the rapidly increasing deductibles, coinsurance, and copays with health … Continue reading Is Hospital Indemnity Insurance Worth It?

Best Disability Insurance For Real Estate Appraisers

As a Real Estate Appraiser, valuation is your middle name. You enjoy the challenge of analyzing and reviewing real estate properties. Moreover, you particularly enjoy how unique your job is!  … Continue reading Best Disability Insurance For Real Estate Appraisers

Don’t Make These Senior Dental Insurance Mistakes

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

Affordable Secondary Dental Insurance

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

Dental Insurance For Teeth Grinding

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

Best Disability Insurance For Stay-At-Home Moms And Homemakers

As a stay-at-home mom or homemaker, your life is busy. The days (and nights) can go on and on. You are part chef, teacher, doctor, psychologist, event planner, landscaper, accountant, … Continue reading Best Disability Insurance For Stay-At-Home Moms And Homemakers

Health Insurance For Children Without A Social Security Number

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

Life Insurance For People With Down Syndrome | Approval In A Few Days

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 Life Insurance For People With Down Syndrome | Approval In A Few Days

Best Disability Insurance For Convenience Store Owners

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

My Dentist Does Not Accept Insurance

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

Mistakes When Signing Up For Medicare Part B

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

Best Disability Insurance For Sign Language Interpreters

As a sign language interpreter, your work is hands on…literally! You enjoy helping the hearing impaired and deaf individuals understand the spoken language. Moreover, you particularly enjoy how you help … Continue reading Best Disability Insurance For Sign Language Interpreters

Do This Before Marrying A Non-US Citizen

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

Best Travel Medical Insurance For Families

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

5 Mistakes Medicare Beneficiaries Make

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

Affordable Burial Insurance For Overweight People

If you are overweight or obese, you may have had a hard time finding proper life insurance or burial insurance. Simply being overweight or obese is not fatal by any … Continue reading Affordable Burial Insurance For Overweight People

Devastating Disability Insurance Mistakes People 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 Devastating Disability Insurance Mistakes People Make

Best Disability Insurance For Nail Technicians

As a nail technician, your work is hands on…literally. You enjoy grooming and improving your client’s fingernails and toenails. Moreover, you particularly enjoy how you help your customers feel better … Continue reading Best Disability Insurance For Nail Technicians

Life Insurance For Spanish-Speaking Individuals And Families

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

Affordable Burial Insurance For People With AIDS Or HIV

If you have AIDS or HIV, you probably think you can’t get life insurance. That really isn’t true. Advances in medical treatment mean that people who follow treatment plans can … Continue reading Affordable Burial Insurance For People With AIDS Or HIV

The Most Important Insurance You Don’t Have

There’s a lot of insurances out there: health, homeowners, life insurance, etc. There’s so many, I am sure your eyes roll. As one of my clients said to me, “John, … Continue reading The Most Important Insurance You Don’t Have

Affordable Burial Insurance For People With Vascular Disease

Do you have vascular disease? Many people do. According to Johns Hopkins, roughly 84 million Americans have some form of vascular disease, including cardiovascular disease, peripheral arterial disease, and peripheral … Continue reading Affordable Burial Insurance For People With Vascular Disease

How To “Ace” The Insurance Underwriting Phone Interview

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

Best Disability Insurance For Chefs

As a chef, your work is hands on…literally! You enjoy the challenge of supervising the food preparation as well as your staff. No day at the restaurant is the same!  … Continue reading Best Disability Insurance For Chefs

Affordable Burial Insurance For People With Sleep Apnea

Do you have sleep apnea? Many people do. Do you have burial insurance? No? Why not? I understand. Unfortunately, many people living with sleep apnea believe they are rated or … Continue reading Affordable Burial Insurance For People With Sleep Apnea

Affordable Burial Insurance For People With Atrial Fibrillation

Atrial fibrillation, also known as “AFib”. If someone hears those words, he or she might think it is life threatening. Truthfully, atrial fibrillation by itself is not life threatening. Many … Continue reading Affordable Burial Insurance For People With Atrial Fibrillation

Best Guaranteed-Issue Disability Insurance For Small Business Owners

Disability insurance, hands down, is the most important insurance no one has. That is right. Name any other insurance that will pay a percentage of your salary, as long as … Continue reading Best Guaranteed-Issue Disability Insurance For Small Business Owners

Best Disability Insurance For Certified Nursing Assistants

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

Best Disability Insurance For Licensed Practical Nurses

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

Best Disability Insurance For Registered Nurses

As a registered nurse, you help people who are sick or hurt. Being on your feet, helping doctors and patients with examinations, and treating patients with care is part of … Continue reading Best Disability Insurance For Registered Nurses

Need A Contact Lens Exam? Your Insurance May Not Cover

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.

Are You Eligible For Prescription Advantage?

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?

Best Disability Insurance For Social Workers

As a social worker, your work is far-reaching and impactful. You enjoy the challenge of helping and assisting people with their problems. Moreover, you particularly enjoy how you help your … Continue reading Best Disability Insurance For Social Workers

Best Time Seniors Should Purchase Dental Insurance

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

Declined For Disability Insurance? Here Are Your Options

We have written extensively about disability insurance. Why? It is such an important, yet overlooked, insurance policy. It not only protects your family, but also protects YOU, your income earning … Continue reading Declined For Disability Insurance? Here Are Your Options

10 Things You Need To Know About Your New Medicare Card

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

Best Disability Insurance For Florists

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

Don’t Make These Beneficiary Designation Mistakes!

Life insurance has many advantages. One advantage is the beneficiary receives the death benefit free from income tax. Another advantage is that the death benefit money passes directly to your … Continue reading Don’t Make These Beneficiary Designation Mistakes!

A Better Option For Waiver Of Premium

It’s a fact. You still have to pay your life insurance premiums even if you are disabled, not working, and not making money. As you know, life insurance is important … Continue reading A Better Option For Waiver Of Premium

Best Disability Insurance For Court Reporters

As a court reporter, your work is hands on, literally! Your day is never a dull moment. You have seen it all, from criminal trials to sentence hearings to even … Continue reading Best Disability Insurance For Court Reporters

Can I Insure My Hands With Hands Insurance? [Yes, With Disability Insurance]

This question was posed to us recently by a prospective client looking for hands insurance. The short answer: yes, you can insure your hands. Unless you are a rock star, … Continue reading Can I Insure My Hands With Hands Insurance? [Yes, With Disability Insurance]

Best Disability Insurance For Plumbers

As a plumber, your work is more than fixing faucets. You are highly skilled and trained, and enjoy the challenge of fixing and solving problems. You rely on your technical … Continue reading Best Disability Insurance For Plumbers

Best Dental Insurance For Seniors On Medicare

It is a far too common situation. You enroll in Medicare and have your medical and health needs covered. You feel good. Finally, you made a decision about Medicare. What … Continue reading Best Dental Insurance For Seniors On Medicare

How To Save Money On Medical Bills Using A Healthcare Discount Card

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

Best Disability Insurance For Veterinary Technicians

As a veterinary technician, your work is hands on. You enjoy using your technical and educational skills to assist the veterinarians in the practice. There is never a dull moment: … Continue reading Best Disability Insurance For Veterinary Technicians

Is Short-Term Disability Insurance Worth The Money?

We receive this question quite a bit from individuals, business owners, and families. You might be surprised with our answer. Then again, if you work with us and know that … Continue reading Is Short-Term Disability Insurance Worth The Money?

10 Ways To Save Money On Insurance

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

Best Disability Insurance For Personal Trainers And Fitness Instructors

As a personal trainer or fitness instructor, your work is hands on. You enjoy working with your clients in helping them achieve their physical and nutritional goals. Moreover, you particularly … Continue reading Best Disability Insurance For Personal Trainers And Fitness Instructors

Choose Life Insurance With Living Benefits Carefully

If you don’t know what living benefits are, don’t worry. I will explain what they are below in more detail. Living benefits are a useful way to advance part of … Continue reading Choose Life Insurance With Living Benefits Carefully

Best Disability Insurance For Yoga And Pilates Instructors

As a yoga or Pilates instructor, your work is hands on. You enjoy teaching your students how to balance their mind through breathing, posture, and stretching to improve flexibility and … Continue reading Best Disability Insurance For Yoga And Pilates Instructors

Best Sickness Insurance For The Self-Employed

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

Health Insurance For People Without A Social Security Number |Here’s How & Options

You know how important health insurance is. Without health insurance, you could seriously face significant hospital and doctor costs. If you don’t have a social security number, you may believe … Continue reading Health Insurance For People Without A Social Security Number |Here’s How & Options

Best Disability Insurance For Stay-At-Home Parents

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

Best Disability Insurance For Secretaries And Office Managers

As a secretary or office manager, your job is more important than people realize. Each day brings something different. You enjoy the challenge solving problems as well as communicating with … Continue reading Best Disability Insurance For Secretaries And Office Managers

Should You Buy Life Insurance For Your Child?

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

Best Disability Insurance For Podiatrists

As a podiatrist, your work is hands on. You enjoy the challenge. There is never a dull moment, whether you are consulting a patient on diabetic foot care or preparing … Continue reading Best Disability Insurance For Podiatrists

Best Disability Insurance For Chiropractors

As a chiropractor, your work is hands on…literally! You enjoy the challenge of fixing and solving problems. Moreover, you particularly enjoy how you help your patients get back to their … Continue reading Best Disability Insurance For Chiropractors

Devastating Life Insurance Mistakes People Make

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 Devastating Life Insurance Mistakes People Make

Life Insurance For People Without A Social Security Number

You understand that, yes, 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

The First Question To Ask A Life Insurance Agent

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

Best Disability Insurance For Massage Therapists

As a massage therapist, your work is hands on…literally. You truly make a difference in your client’s lives. Moreover, you particularly enjoy how you help your customers feel better, de-stress, … Continue reading Best Disability Insurance For Massage Therapists

The Best Disability Insurance For Beekeepers

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

The Best Vision Insurance For Seniors On Medicare

If you are a senior on Medicare, you know by now that your Medicare insurance has limited, or does not cover, vision needs. You have to purchase a separate plan … Continue reading The Best Vision Insurance For Seniors On Medicare

DIY Term Life Insurance

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 DIY Term Life Insurance

The MADP: Your Do Over

If you are a Medicare beneficiary, you may have heard of the “MADP”. The MADP stands for Medicare Advantage Disenrollment Period. It starts January 1 and runs until February 14th. … Continue reading The MADP: Your Do Over

The Best Gap Health Insurance For Families

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 this important? … Continue reading The Best Gap Health Insurance For Families

Important Reasons Why Whole Life Insurance Is A Good Idea [We Explain The Benefits Of This Product]

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]

Best Disability Insurance For Nannies [Guide: Learn Your Options & Protect Your Family]

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]

3 Reasons Why Whole Life Insurance Is A Bad Idea [We Discuss The Details & Your Options]

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]

Best Disability Insurance For Housekeepers And Housecleaners [Why You Need To Protect Your Income]

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]

How To Coordinate VA Benefits And Medicare The Right Way | Understand Your Situation To Make The Best Decision

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

8 Reasons Why A Discount Dental Plan Is Better Than Dental Insurance

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

How To Choose The Right Medicare Insurance Plan

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

Best Disability Insurance For Dental Hygienists And Dental Assistants | Here’s What You Need To Know

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 Best Disability Insurance For Dental Hygienists And Dental Assistants | Here’s What You Need To Know

How To Pick The Right Part D Medicare Prescription Plan In 4 Steps

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

Long-Term Care Insurance Tax Deduction | How It Helps & Other Tax Advantages

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

Disability Insurance For Mechanics [Here’s What You Need To Know]

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]

Need Long-Term Care? A Hybrid LTC Policy Can Help

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

How To Save Money On Your Medicare Part D Cost [Top 4 Ways And Be Worry-Free!]

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!]

Best Disability Insurance For Real Estate Agents And Realtors [Know Your Options And Protect Your Livelihood]

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]

Yes, Smokers Can Obtain Cheap Life Insurance Rates. Sometimes Even At Non-Smoking Rates. Here Is How.

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.

Independent Review of GTL Advantage Plus. We Discuss The Benefits, Drawbacks, And If It Is Right For You

Raise your hand if you are worried about your out-of-pocket health care costs. We thought so. As we discussed in previous articles, health care costs continue to rise, even much … Continue reading Independent Review of GTL Advantage Plus. We Discuss The Benefits, Drawbacks, And If It Is Right For You

How To Prevent Medicare Observation Status [Know How To Get Around This And Save Money]

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]

How To Save Money On Health Insurance [Easy And Practical Solutions You Can Implement Today]

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.”

Life Insurance For Undocumented Immigrants [Yes, You Can Obtain It & Easily, Affordably, Too!]

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 For Undocumented Immigrants [Yes, You Can Obtain It & Easily, Affordably, Too!]

Declined For Life Insurance? Don’t Worry. You Can Still Obtain Life Insurance. Here’s How.

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.

Let’s Clear Up Your Health Insurance Confusion | Understand And Save Money

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

NGL AssetGuard and NGL Funeral Expense Trust [Protect Your Money With This Powerful Combination]

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]

5 Disadvantages of Indexed Universal Life Insurance [Unbiased Review]

Back in the 90s, there was a popular saying. If someone ticked you off, you would put up your hand and say, “talk to the hand.”     Arnold can … Continue reading 5 Disadvantages of Indexed Universal Life Insurance [Unbiased Review]

Best Disability Insurance For Hairstylists and Barbers [Affordable Options To Protect You]

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]

5 Types Of Burial Insurance Not To Buy [And 3 Types You Should]

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]

Indexed Universal Life Insurance: Everything You Need To Know | The 2020 “No Fluff” Guide

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 2020 “No Fluff” Guide

The 2 Most Important Insurance Policies For Newlyweds | I Bet You Don’t Have Enough Of These

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

Annuity Versus Life Insurance: Which Is Better To Save For Retirement?

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?

5 Ways To Save Money On Medicare [Simple Solutions]

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]

Yes, Marijuana Users Can Obtain Life Insurance | Easily Attainable, Too

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

The Top 10 Life Insurance Mistakes

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

Understanding Your Long-Term Care Insurance Options | Likely Care Is In Your Future

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

No Social Security Number? No Problem! How To Purchase Life Insurance Without A Social Security Number

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

Life Insurance As A Retirement Plan | Yes, It Can Work, But Know The Details

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

AHCA Summary: What You Need To Know Now

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

Why Truck Drivers Need Disability Insurance [Learn Your Options & Save Money]

Truck drivers probably don’t think about disability insurance much, right? I mean, you know the importance of getting your shipments and load on time. Your customers are relying on you … Continue reading Why Truck Drivers Need Disability Insurance [Learn Your Options & Save Money]

5 Types of Insurance Every Self-Employed Professional Needs

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

Understanding Return of Premium Life Insurance Pros and Cons

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

Here Are The Insurances Stay-At-Home Moms And Parents Need [Very Affordable]

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]

Yes, You Can Obtain Life Insurance If You Have Multiple Sclerosis | Here Is How

We receive much communication from people asking if it is possible to obtain life insurance with multiple sclerosis. The answer is: Yes, someone with Multiple Sclerosis can obtain life insurance. … Continue reading Yes, You Can Obtain Life Insurance If You Have Multiple Sclerosis | Here Is How

Why You Won’t Find A (Super Duper) Life Insurance Calculator On This Website

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

Why A Single Person Needs Life Insurance

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

Your Final Expense Insurance Could Be Taken By Nursing Homes – Unless You Do This

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

5 Things To Do If You Cosigned A Student Loan – Or Any Loan

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

Ways To Pay Medical Bills Without Financial Pain

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 [Using A Trust]

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]

Who Is United Farm Family Life / United Home Life?

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?

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?

Life Insurance: What Is The MIB?

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?

Short-Term Care Insurance: Easier Approval And More Affordable Compared To Long-Term Care Insurance

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

Is Accident Insurance Worth The Money?

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 Is Accident Insurance Worth The Money?

5 Good Reasons You Need Disability 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

How The Definition of Disability Affects Your Benefits

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. The … Continue reading How The Definition of Disability Affects Your Benefits

Fibs, Lies, and Life Insurance

What Happens If You Lie On A Life Insurance Application? The answer: it depends on the intent. But, likely your application will be declined or your policy rescinded. In this … Continue reading Fibs, Lies, and Life Insurance

Living Benefits With Life Insurance

If you don’t know what the phrase “living benefits” means in the context of life insurance, don’t worry; we didn’t either as it was new to us at one point, … Continue reading Living Benefits With Life Insurance

The Best Life Insurance Riders

What are life insurance riders? Riders are additional benefits that are added to insurance contracts, usually at a fee. They can be valuable as they customize your insurance policy to … Continue reading The Best Life Insurance Riders

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