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The coverage you think you have may not *exist*
Insurance Planning·8 min read

The coverage you think you have may not *exist*

LIMRA's newest ownership study exposes a dangerous blind spot: millions of families believe they are protected when they are underinsured or simply unaware of what they own. Here is how to verify your real coverage and close the gap.

Oct 2, 2026Read Article →
The 100 million American coverage gap is still open
Insurance Planning·8 min

The 100 million American coverage gap is still open

It is Life Insurance Awareness Month, and the newest LIMRA data shows roughly 100 million Americans still lack adequate coverage. Women, Gen Z, and the middle market carry the heaviest load. Here is what the numbers mean and how to close your gap.

Sep 11, 2026Read →
The same LTC coverage can cost you 56% more
Insurance Planning·8 min

The same LTC coverage can cost you 56% more

A 2026 study found identical long-term care coverage priced from $4,591 to $7,173 depending only on the insurer. Same benefits, thousands of dollars apart. Here is how families stop overpaying for the protection they already need.

Sep 4, 2026Read →
Half of America is underinsured. Fix the gap before September.
Insurance Planning·8 min

Half of America is underinsured. Fix the gap before September.

New LIMRA data shows nearly half of Americans are uninsured or underinsured, and most people overestimate the cost of coverage by more than tenfold. Here is what the coverage gap really costs your family and how to close it this month.

Aug 28, 2026Read →
The $10,965 nursing-home room your plan forgot
Insurance Planning·8 min

The $10,965 nursing-home room your plan forgot

A private nursing-home room now runs nearly $11,000 a month, and Genworth just re-entered the long-term care market for the first time in over a decade. Here is what the 2026 numbers mean for your retirement savings and how families fund the gap.

Aug 7, 2026Read →
Half of America has a life insurance gap. Here is the fix.
Insurance Planning·9 min

Half of America has a life insurance gap. Here is the fix.

New LIMRA research shows just half of U.S. adults own life insurance, and more than 100 million admit a coverage gap. Younger parents are the most underprotected. Here is why the gap exists and the affordable, data-backed way to close it this year.

Jun 5, 2026Read →
Hantavirus 2026: What the Outbreak Means for Your Family's Finances
Insurance Planning·5 min

Hantavirus 2026: What the Outbreak Means for Your Family's Finances

A hantavirus cluster linked to a cruise ship has health officials in a dozen countries on alert. The virus itself may stay contained. The financial lesson it carries will not.

May 8, 2026Read →
Living Benefits: The Life Insurance Feature That Pays You While You're Still Alive
Insurance Planning·18 min

Living Benefits: The Life Insurance Feature That Pays You While You're Still Alive

Long-term care costs are the number one cause of personal bankruptcy in America for people over 65. More than 70% of Americans will need some form of long-term care in their lifetime. Modern life insurance policies now include living benefits that pay you directly — for cancer, stroke, Parkinson's, ALS, and dozens of other diagnoses — at no additional premium cost.

Apr 12, 2026Read →
The S&P 500 Is Down 4.6% This Quarter. Here's Why Smart Families Aren't Panicking
Insurance Planning·5 min

The S&P 500 Is Down 4.6% This Quarter. Here's Why Smart Families Aren't Panicking

Geopolitical shocks, oil surging 66%, and a CAPE ratio near dot-com bubble levels. The families who aren't panicking right now all have one thing in common.

Apr 1, 2026Read →
What Is Indexed Universal Life Insurance (IUL), And Why High Earners Use It
Insurance Planning·4 min

What Is Indexed Universal Life Insurance (IUL), And Why High Earners Use It

IUL isn't just life insurance, it's one of the most powerful tax-advantaged wealth-building tools available today. Here's exactly how it works and who it's right for.

Mar 25, 2026Read →
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