The Pitfalls Of Work Sponsored Life Insurance

Work Life Insurance The Pitfalls Of Work Sponsored Life Insurance As a life insurance agent, it is common to hear the misconception that people are fully covered and have adequate coverage with life insurance because their employer provides them with a plan. This however could not be further from the truth. Although employer sponsored life insurance...

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Why Would I Buy Life Insurance For My Child?

Child Life Insurance Why Would I Buy Life Insurance For My Child? When the topic of life insurance for a child is brought up with a parent, at first it is almost an uncomfortable discussion. They seem to feel as though a life insurance policy on their child would create a situation where they would profit off of the death of their child. I personally...

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What Is Decreasing Term Insurance?

Decreasing Term Insurance What Is Decreasing Term Insurance? Decreasing term life insurance is a type of life insurance where the death benefit decreases over the term of the policy. The premiums stay constant; however, because of this the premiums are less expensive than a standard term life insurance policy. This is an option that is generally...

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If Your Student Loan Has A Cosigner, You Need Life Insurance!

Term Life Insurance Can Ease The Burden If Your Student Loan Has A Cosigner, You Need Life Insurance! The last thing anyone is thinking about when preparing to go to college and seeking financing is what will happen if a death were occur. Neither the student nor the cosigner have usually contemplated what to do if either were to die. The Consumer...

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Have You Ever Looked At The Living Benefits Of Life Insurance? Amazing!

Living Benefits Have You Ever Looked At The Living Benefits Of Life Insurance? Amazing! Many people think of life insurance as something that pays out only upon the death of the insured. Although this is true and the most significant benefit of life insurance, many people overlook all of the "living" benefits of life insurance and what those benefits...

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What Is The MIB And How Does It Affect You?

MIB What Is The MIB And How Does It Affect You? The medical Information Bureau is a company based in Massachusetts that maintains a database of extensive medical information to help underwriters determine if a client qualifies for life insurance or health insurance. If an applicant applies for life insurance and there are any discrepancies...

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Accidental Death Life Insurance - Will It Pay?

Accidental Death Life Insurance - Will It Pay? All too often, in a first-time meeting with a client, we discover that the life insurance that they had in place to protect their family was Accidental Death Life Insurance (AD&D) only. As with most things in life, anything that is too good to be true, almost always is. Generally speaking, all...

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Are You Taking Advantage of Tax-Free Retirement?

Tax-Free Retirement Are You Taking Advantage of Tax-Free Retirement? At the end of the day, it is not how much you make that counts - it is how much you keep! Building a million dollar or five million dollar nest egg is great, but no one knows where taxes will be in the future and how much of that nest egg you will keep. The fact of the matter...

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Why A Career At Family First Life?

Company Overview Our mission at Family First Life is to make the families we protect and the families of our agents our number one priority. Trust and loyalty is not given it is earned and all of us at Family First will give everything we have to earn it with our clients and our agents. We specialize in mortgage protection life insurance, final...

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When Is It a Good Time to Buy Life Insurance?

When Is It a Good Time to Buy Life Insurance? It is not always easy to decide when is the best time to buy life insurance because there are many factors that need to be considered in that decision. With a little thought, though, and the right information, the decision about when to buy life insurance can be reduced to just a couple of things. The...

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Why You Should Review Your Life Insurance

Life Insurance Review Why You Should Review Your Life Insurance With most financial decisions, most people will always seek a second opinion; however, this does not always seem to be the case when it comes to Life Insurance. This is the one thing, above all else, that should be reviewed because if there is an issue, it is always better for it...

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First Comes Love, Then Comes Life Insurance

Life Insurance First Comes Love, Then Comes Life Insurance Life insurance is probably one of the last things on your mind when you’re planning a wedding, but it’s important to consider the responsibilities a life change like this brings. As a newlywed, you must think about your responsibilities to your spouse and make sure that they won’t face...

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What is Return of Premium Life Insurance?

Return Of Premium Life Insurance What is Return of Premium Life Insurance? Many people know they need life insurance to protect themselves and their families, but they still procrastinate and put off this important purchase. One of the reasons so many people put off getting the life insurance they need is that the purchase process can often be...

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3 Of The Biggest Mistakes Made By Each Generation

People never plan to fail, they simply fail to plan. Contact our office today and schedule a meeting to have one of our advisors discuss Asset Protection, Wealth Preservation & Wealth Accumulation strategies with you, tod...

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Qualified Retirement Plan Risks

Over funding your qualified retirement plan could put your retirement at serious risk. Not only do you have to consider Market Risk, but the Tax Risk alone could be detrimental to your money when you need it the most.  Supplementing your retirement savings with a Tax-Free Retirement vehicle is a wealth principle most underutilized in middle...

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Life Insurance Statistics

Life Insurance Statistics: 40% of American adults have no life insurance, Over 50% of U.S. households lack adequate life insurance coverage. About 40% of people surveyed say they would have immediate financial trouble if the primary wage earner in their household di...

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