What to understand before you protect your income, your family, or your business.
Plain answers on life insurance, business and family planning, and health coverage, including the tradeoffs people get wrong. Written and reviewed by Richard Sweet.
New here? Start with these.
The cornerstone reads, in the order most people need them.
How Much Life Insurance Do You Need?
A simple way to size coverage to your family.
Read →Term vs Whole Life
Which one fits your situation and budget.
Read →Is Work Life Insurance Enough?
Why group coverage usually falls short.
Read →What Disability Insurance Covers
Protecting the paycheck that funds everything else.
Read →Life Insurance for Business Owners
Key person and buy-sell basics.
Read →New to Medicare? Start Here
The decisions to make as you approach 65.
Read →Want help with life, disability, or Medicare?
See how much coverage actually fits your family or business, or get straight answers on term vs whole life, disability, and Medicare.
Guides
Start-to-finish walkthroughs for the decisions that matter most.
Coverage explained
Plain-language breakdowns of what each coverage does and where it stops.
Final Expense (Burial) Insurance, Explained
Final expense insurance is a small whole life policy meant to cover funeral and end-of-life costs. Here is how it works, who it fits, and how it compares to regular life insurance.
What Disability Insurance Covers, and Why Your Paycheck Is the Asset to Protect
Your ability to earn is probably your largest asset, and the one most people never insure. Disability insurance replaces income if illness or injury stops you from working.
Comparisons
This versus that, so you can decide without second-guessing it later.
Common questions
Straight answers to what people ask us most.
Is My Life Insurance at Work Enough?
Employer life insurance is a nice benefit and a poor foundation. It is usually small, tied to your job, and not yours to keep. Here is how to tell whether you have a gap.
New to Medicare? Start Here
Medicare has several parts and a lot of choices, and the first decisions can follow you for years. Here is a plain-language map of the pieces. Confirm current rules and dates at Medicare.gov.
Strategy
Moves that protect what you are building over time.
Most asked questions about life and health
How much life insurance do I need?
What is the difference between term and whole life?
Is my life insurance at work enough?
What does disability insurance cover?
Do business owners need life insurance?
What is key person and buy-sell insurance?
When should I start with Medicare?
Not sure your coverage still fits?
Tell us what you want to protect, your family, your income, your team, or your business, and we will walk you through the options that fit. No pressure, no obligation.