Help! I Can't Keep Up with My Life Insurance Premiums!

Posted by Bill Bruce on February 13, 2020

If you find yourself struggling to meet your monthly life insurance premiums, you have options. The last thing you want to do is simply stop paying and lose all the benefits you’ve been paying for since the time you first purchased your policy. If you have accumulated cash value in your whole life policy, this can be the tool you need to get yourself out of a tight financial spot.

Read More

Topics: Life Insurance

How Can I Prepare For the Rising Costs of Funerals?

Posted by Bill Bruce on February 7, 2020

The National Funeral Directors Association (NFDA) recently released its annual report on funeral costs, illustrating how many of the costs involved in a funeral have risen over the past five years. While some costs, such as fees for facility usage, car services, and embalming, have risen less than the rate of inflation, the basic, non-declinable costs quoted by funeral homes have increased nearly 10%, and some costs have gone up even more. How can you prepare to meet the costs of your final arrangements without placing the burden on your loved ones? First, ...

Read More

Topics: Final Expense, Preneed Insurance

5 Things You Should Know If You’re Considering Whole Life Insurance

Posted by Bill Bruce on December 11, 2019

When you’re shopping for life insurance, you have a lot of choices. Whole life insurance can be an attractive option because it can build cash value and it never expires. If you’re considering buying a whole life policy, read this first. These are some fundamental things you should understand about whole life insurance before you buy. 

Read More

Topics: Life Insurance, Whole Life Insurance

How to Financially Prepare for End-of-Life Expenses

Posted by Bill Bruce on November 25, 2019

In order to successfully prepare for the future, there are several things to consider when it comes to your financial plans. Make sure your family is protected against potential financial obligations by preparing for your end-of-life expenses. 

Read More

Topics: Term Insurance, Final Expense, Preneed Insurance

7 Myths About Life Insurance

Posted by Bill Bruce on April 26, 2018

Over the years, you've probably heard stories about how many spiders the average person swallows in their sleep and have never thought twice about its validity. But is it true? Fortunately, no.  There is no evidence to support that you are eating seven spiders a year while sleeping. This well-known "statistic" is nothing more than a popular myth that someone invented years ago to terrorize anyone who has a fear of the 8-legged creatures. So, what are myths? has a few different answers, but perhaps none more appropriate than this: Myth /miTH/ noun:

Read More

An Introduction to Life Insurance

Posted by Bill Bruce on April 25, 2018

Buying life insurance is about as exciting as buying your first minivan and as depressing as watching the movie Marley and Me. Still, owning life insurance is a significant part of anyone's financial planning due to its ability to protect your family in a variety of ways. In this post, we will briefly go over some of the basic concepts of life insurance, the different forms of coverage available, and some of the striking statistics about the vast amount of people who struggle with purchasing a policy. Are you ready to get started? Well, let's jump in.

Read More

Annuities VS. Certificates of Deposit

Posted by Bill Bruce on April 25, 2018

Long considered alternatives to one another, certificates of deposit and fixed deferred annuities have many similarities that often confuse those comparing the two. Today, we will compare and contrast the major similarities and differences of these products. Understanding their fundamental functions will be a major first step in making your purchasing decision. After finishing this article, you will be able to effectively distinguish the faults and benefits of an annuity and a certificate of deposit.   HOW ARE THESE PRODUCTS SIMILAR? Annuities and certificates ...

Read More