Straight answers before you talk to anyone.
Plain-English guides written and reviewed by licensed professionals. Nothing here is a sales page, and nothing here is individualized advice.
Life Insurance
Plain-English guides to protecting your family — final expense, term, and permanent coverage, how much you need, and how to choose.
Indexed Universal Life (IUL)
How indexed universal life really works — cash value, caps and floors, funding, loans, and who it fits (and who it doesn't).
Whole Life
Guaranteed cash value, dividends, and lifelong coverage — the tradeoffs of participating whole life, explained honestly.
Annuities & Safe Money
Fixed, fixed-indexed, and income annuities, 401(k)/IRA rollovers, and protecting retirement income from sequence-of-returns risk.
Business Owners
Key-person coverage, buy-sell funding, and succession planning for business owners.
Employee Benefits
Group life and health, and Section 125 cafeteria plans — the essentials for employers and employees.
Latest guides
Is Employer Life Insurance Enough? A Five-Minute Coverage Audit
Most workers don't know what their employer life insurance covers — or what happens when they leave. Use this 5-minute audit to find your real coverage gap.
How Much Final Expense Insurance Do I Need? A Transparent Needs Formula
Skip the national median. Use our itemized needs formula — funeral costs + obligations − savings − existing coverage — to calculate your real final expense coverage number.
Missed a Life Insurance Payment? What to Do Before the Policy Lapses
Missed a life insurance premium? Learn how grace periods, lapse, and reinstatement work, what to ask the insurer, and when to compare alternatives.
Final-Expense Insurance vs. Prepaid Funeral Plans: What’s the Difference?
Compare final-expense insurance with prepaid funeral plans: who controls the money, price guarantees, portability, refunds and questions to ask.
What Happens to Life Insurance When You Leave a Job?
Employer life insurance may end when your job does—but portability, conversion or replacement coverage may be available. Compare the four paths quickly.
What Should I Do With an Old 401(k)? Five Options to Compare Before a Rollover
Leave it, roll it, convert it, or cash out? Compare all five 401(k) options — fees, taxes, creditor protection, Rule of 55, and annuities — before you decide.
Disability Income Insurance: What It Is and Who Actually Needs It
Not sure if you need disability income insurance? Use our decision framework — own-occ vs. any-occ, group vs. individual, SSDI limits — to find out.
Final Expense Insurance vs. Prepaid Funeral Plan: A Neutral Decision Guide
Compare final expense insurance and prepaid funeral plans across beneficiary control, price guarantees, portability, waiting periods, Medicaid rules, and provider failure risk.
Your Final Wishes and Funeral Price Planning Kit: A Practical Guide for Families
Download our final wishes planning kit: beneficiary contacts, document locations, FTC funeral pricing rights, and a side-by-side comparison of final expense insurance, preneed contracts, savings, and POD accounts.
How to Find a Lost Life Insurance Policy: A Beneficiary's Complete Workflow
Step-by-step guide to finding a lost life insurance policy: NAIC locator, insurer name changes, unclaimed property searches, required documents, and claim timelines.
Life Insurance Settlement Options Explained: A Beneficiary's Decision Guide
Learn the five life insurance settlement options, their tax treatment under IRC § 101, and a clear framework for choosing the right payout method as a beneficiary.
Trump Account 2026 vs. Life Insurance for Children: A Decision Framework
Trump accounts (IRC §530A) and juvenile whole life insurance solve different problems. Here's the decision framework for when to use one, the other, or both.
What Is an Annuity and How Does It Work? A Plain-Language Guide
Learn how annuities work: fixed, fixed-indexed, immediate, and deferred types explained with surrender charges, tax rules, and who each product fits.
My Final Wishes: Quick Planner
A free printable worksheet for writing down your final wishes: who to call, burial or cremation, the service you would want, and where your documents are kept. Nothing to buy.
Employee Benefits Basics: Group Life, Group Health, and Section 125 Cafeteria Plans
Learn how group life insurance, group health plans, and Section 125 cafeteria plans work together — including written-plan rules, nondiscrimination testing, and ERISA compliance.
Whole Life vs. Term Life Insurance: An Honest Verdict for Three Types of Buyers
Whole life or term life? Get an honest verdict for three real buyer situations — income replacement, estate planning, and forced savings — including when whole life is the wrong tool.
How to Find a Deceased Relative's Life Insurance Policy or Annuity
Free, step-by-step guide to finding a deceased relative's life insurance policy or annuity — NAIC locator, state unclaimed property tools, and FL/TX/WA-specific routes.
Washington Estate Tax Changes in 2026: Where Life Insurance May (and May Not) Help With Liquidity
Washington's estate tax changed again in 2026. Learn the new $3M exclusion, rate rollback, QFOBI deduction rules, and how whole life insurance ownership structure affects your estate.
Types of Life Insurance Explained: Term, Whole, Universal & Final Expense
Term, whole life, universal, and final expense: plain-language breakdowns of every major policy type, who each fits, and how to choose. No jargon.
How to Read an IUL Illustration in 2026: Questions to Ask Before You Trust the Projection
Plain-English checklist for reading an IUL illustration: guaranteed vs. non-guaranteed columns, caps, participation rates, policy charges, loan assumptions, lapse risk, and stress tests to request.