Jack and Diane have done well together, and now they’re grandparents. Life is good. They are all set—except for that “oops” lurking in their trust that they aren’t aware of. After the first grandchild was born in 2002, Diane nudgedRead more “Jack and Diane Teach Us Why Our Trust and Life Insurance Policies Deserve a Check-Up”

happy cpo

When it comes to life insurance, clarity isn’t always the first word that comes to mind. Without asking a specialist to take a closer look, you may be missing out on a lot of the coverage you thought you paidRead more “Three Reasons You’ll Benefit From An Independent Policy Review”

Kurt is a 64-year-old widower. Comfortably retired, he likes to go the gym and play a lot of golf. His financial advisor is confident Kurt’s financial situation, while not unlimited, will allow him to do that for the rest ofRead more “A Pragmatic Response to the Need for Long Term Care Coverage”

Avoid Financial Surprises

Background: A recent UBS study found that 56% of widows experience a financial surprise at the death of their spouse. Additionally, a widow can expect an average 37% decline in income – money that won’t be there to maintain theirRead more “Stratus Case Study: Avoiding Financial Surprises”

If you’ve secured a solid life insurance policy, we commend you for making the necessary arrangements to secure your family’s financial future.  If you’ve already had a policy review performed by an expert to work out any kinks or changesRead more “Prepare Your Family to Put Your Life Insurance Money to the Best Use”

Background: I recently attended an Estate Planning Council meeting. The program was based around case studies. They throw out a scenario; and have an interdisciplinary discussion about how to deal with all the ensuing pitfalls. The Problem: Upon reflection, itRead more “Stratus Case Study: Anticipating Pitfalls”

Life insurance is a tricky process when you’re doing it on your own or working with an agent who has little experience.  Arming yourself with information now can save you from making mistakes that may cost you in the future.Read more “3 Mistakes People Make With Their Term Life Insurance Plan”

Are life insurance companies pushing it by asking for the data on your fitness trackers? Well, whether you’re for it or against it, John Hancock Financial is one company that it’s doing just that. Policyholders who allow them to accessRead more “Should You Give Life Insurance Companies Access to Your Fitness Tracker?”

When I met Mike and Shelly, they were living in a small apartment with two young children. Their love for each other and commitment to family values was readily apparent. She was a stay-at-home mom, and he was on theRead more “Learn the Importance of Updating Your Life Insurance Policy from Mike and Shelly”

Contrary to popular belief, not all life insurance companies are the same. Buying similar plans can end up with dramatically different results later on, depending on the quality of the organization issuing your policy. Here’s why: Problem When we conductRead more “With Life Insurance, the Company Matters.”