All posts related to Term Life, Permanent Life Insurance & Group Life Insurances.
Many financial advisors discourage life insurance—not because it’s ineffective, but because it doesn’t align with how they earn. Learn how permanent life insurance offers tax advantages, market protection, and living benefits that investments alone can’t match.
Why Are Financial Advisors Against Life Insurance Read More »
Life insurance isn’t just for death benefits anymore. Discover how modern policies offer living benefits—like chronic illness coverage and access to funds for experimental treatments—not covered by traditional health insurance. Learn how permanent life insurance can support both your health and retirement.
Discover how to secure your financial future with a convertible term life insurance policy. Lock in your health rating now to preserve today’s rates for future permanent insurance, even if health issues arise later. Learn why acting early can safeguard your insurability and ensure financial protection. Free assessments available — take the first step towards peace of mind today.
Not ready for IUL – Lock in your Insurability Read More »
Think you’re too healthy for life insurance? Think again. Lock in your insurability now while you’re at your healthiest. A simple term policy today can protect your future eligibility and secure lower premiums — even if your health changes later. Don’t wait for the unexpected to make the decision for you.
Why You Should Lock In Life Insurance While You’re Still Healthy Read More »
Learn how to find in-network doctors using the Ambetter Health website with this easy, step-by-step guide tailored for Arizona residents. Whether you’re searching as a guest or a member, this tutorial walks you through selecting your plan, identifying the right network, and filtering results by specialty or provider name—helping you avoid costly out-of-network visits and stay on top of your health coverage.
How to Find an In-Network Doctor with Ambetter Health Read More »
Are you unknowingly in partnership with the government? You likely are. The government incentivizes tax-deferred programs like 401(k)s and IRAs, encouraging you to delay taxes until retirement—when your savings have grown and taxes are due on the harvest, not the seed. Financial advisors embrace this model because they manage your money, but there’s an argument for an alternative: paying taxes upfront and allowing your money to grow tax-free. While results vary, if you’re conservative and want to avoid future financial pitfalls, consider primary life insurance. It’s a flexible tool with benefits beyond growth, offering protection and long-term stability.
Don’t Let The Insurance Company Win Read More »
Are you unknowingly in partnership with the government? You likely are. The government incentivizes tax-deferred programs like 401(k)s and IRAs, encouraging you to delay taxes until retirement—when your savings have grown and taxes are due on the harvest, not the seed. Financial advisors embrace this model because they manage your money, but there’s an argument for an alternative: paying taxes upfront and allowing your money to grow tax-free. While results vary, if you’re conservative and want to avoid future financial pitfalls, consider primary life insurance. It’s a flexible tool with benefits beyond growth, offering protection and long-term stability.
Ideal for Business Owners Read More »
Understanding provider networks is crucial when selecting insurance; not all carriers work with every doctor, and doctors may choose not to accept certain insurance plans. Consulting with an experienced broker ensures your preferred doctors are in-network, avoiding out-of-network costs typically not covered by Obamacare plans.
Network of Providers Read More »
As of November 1st, 2024, DACA recipients can now access health insurance subsidies through the Obamacare marketplace, marking a significant milestone in healthcare access. Norma Noriega, a dedicated advocate, encourages DACA recipients to utilize her free services for enrollment assistance, emphasizing the importance of obtaining comprehensive health coverage. This opportunity not only addresses historic barriers but also ensures that individuals can affordably access essential healthcare services, supported by subsidies based on income and family size. For Norma, guiding DACA recipients through the enrollment process is a vital step towards health equity and financial security.
Obamacare Ideal Candidate Read More »
As of November 1st, 2024, DACA recipients can now access health insurance subsidies through the Obamacare marketplace, marking a significant milestone in healthcare access. Norma Noriega, a dedicated advocate, encourages DACA recipients to utilize her free services for enrollment assistance, emphasizing the importance of obtaining comprehensive health coverage. This opportunity not only addresses historic barriers but also ensures that individuals can affordably access essential healthcare services, supported by subsidies based on income and family size. For Norma, guiding DACA recipients through the enrollment process is a vital step towards health equity and financial security.
