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Half of America has a life insurance gap. Here is the fix.
Insurance Planning·9 min read

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 Article →
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 →
Term vs. Whole vs. IUL: Which Life Insurance Policy Is Actually Right for You
Insurance Planning·5 min

Term vs. Whole vs. IUL: Which Life Insurance Policy Is Actually Right for You

Three types of life insurance. Three very different purposes. Most people buy the wrong one because no one explained the differences clearly. Here is the breakdown.

Mar 24, 2026Read →
Why More Families Are Choosing an IUL Over a 401(k) — And What the Numbers Actually Show
Insurance Planning·9 min

Why More Families Are Choosing an IUL Over a 401(k) — And What the Numbers Actually Show

The 401(k) has been the default retirement vehicle for 40 years, but the hidden fees, tax traps, and lack of flexibility are causing high earners and business owners to look elsewhere. Here is what an IUL offers that a 401(k) cannot.

Mar 20, 2026Read →

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