Author: Michael Caroff

person reviewing life insurance checklist on screen

Life insurance policy reviews are important for ensuring a policyholder’s coverage continues to meet their evolving needs. However, while life insurance policy review templates can serve as helpful guides, they should not replace a personalized assessment. At Stratus Financial PartnersRead more “Life insurance Policy Review Templates”

millionaires reviewing life insurance policy with agent

People with a million or more in assets (and those who aspire to) have unique financial needs. Life insurance strategies can be a pivotal tool for wealth accumulation and preservation. Life insurance offers a sophisticated means to achieve three mainRead more “Life Insurance Strategies for Millionaires”

Life insurance serves as an important safety net, providing financial security for our loved ones. But did you know that life insurance can also offer benefits while you are still alive? These benefits, known as living benefits, offer financial securityRead more “What Are Some of the Living Benefits of Life Insurance?”

Proper life insurance coverage

Life insurance is more than just a safety net — it’s a strategic tool that offers financial security, tax-free benefits, and coverage for final expenses. By understanding how life insurance can make your life better, you can take proactive stepsRead more “How Life Insurance Makes Life Better”

couple in their sixties smiling about life insurance

As we age, our needs, financial situations and health evolve, making the choice of the right life insurance policy important. Whether you’re seeking life insurance help in choosing a policy by age or need to make changes to an existingRead more “Life Insurance Considerations Once You Turn 60”

parent teaching child chess

Imagine taking out a life insurance policy that does not just cover funeral costs but guarantees your family’s financial security with hundreds of thousands, if not millions, of dollars. That’s what happened when HSBC Life (Hong Kong) set the GuinnessRead more “The Most Valuable Life Insurance Policy Ever”

We don’t know who told millennials that life insurance is for “older people” but that person needs to be stopped. If you’re a professional that handles the finances of millennials, then you’re in a good position to steer them inRead more “What to Tell Your Millennial Clients Who Think They Don’t Need Life Insurance”

happy family in the park with peace of mind about their Life Insurance

As we assess the value of life insurance, it’s imperative to ask, “Compared to what?” The cost of being uninsured and the potential financial impact on your family far outweigh the premiums for a life insurance policy. According to aRead more “Understanding Life Insurance: An Essential Comparison”

couple on yacht HNWI happy about their life insurance policy review

If you are a high-net-worth individual (HNWI) you already know how your life insurance can support your family, safeguard your inheritance upon your passing and support charities that are close to your heart. But did you also know that lifeRead more “Life Insurance for High-Net-Worth Individuals”

nurse with man taking life insurance medical exam

A life insurance medical exam is a standard part of the application process, during which an applicant undergoes a brief medical assessment. The primary purpose is to evaluate an applicant’s overall health and determine the level of risk they poseRead more “Tips to Prepare for Your Life Insurance Medical Exam”