One of the most common questions about life insurance is whether to purchase Term, Universal, or Whole Life policies. Some articles flatly instruct applicants to ONLY buy Term, whereas one’s agent may advocate ONLY buying Permanent. In reality, neither extreme is ALWAYS best for everyone. And when a serious health condition is involved, all “rules of thumb” can become moot points due to limited choices.

However, there are general guidelines you can use to help ensure that you have what is needed WHEN it is needed. (more…)

Getting health insurance for you is something commendable. But the problem is that there are many people who are not conscious of the price of health insurance. Also, 40% of those without any health insurance coverage earn something more than 200% of the general poverty rate, but they still go without insurance. (more…)