Story at-a-glance Term life is low-cost, temporary coverage—ideal for short-term needs like income replacement or mortgage protection.Whole life offers lifelong protection with tax-deferred savings and potential dividends that can reduce long-term costs.Term works well when budgets are tight
When Physicians Should Change Their Life Insurance Coverage
Story at-a-glance Life changes—your insurance should too. Major events like marriage, children, or income jumps can make old coverage outdated.Annual reviews help avoid big gaps, allowing small, strategic adjustments rather than costly catch-ups.You may find cheaper term coverage, especially
How Much Life Insurance Coverage Do You Really Need?
Story at-a-glance Don’t guess your life insurance needs—use a clear, step-by-step calculation instead of one-size-fits-all rules.Start by identifying actual needs, including debts, final expenses, future goals, and your family's lifestyle expectations.Quantify both immediate and long-term
Doctor Disability Coverage Options – How Much Protection Do You Really Need?
Story at-a-glance Disability insurance protects your income if you can’t work—just like life insurance protects your family if you die.Use a needs analysis to calculate how much coverage you actually need based on income, family, assets, and liabilities.Doctors should aim to replace at least
Four Simple Ways To Make Life Insurance More Affordable
Story at-a-glance 48% of American families lack life insurance—coverage is at a 50-year low (LIMRA).Life insurance is critical during tough economic times, yet many skip it due to cost.Learn 4 smart ways to save on life insurance: calculate only what you need, shop rates, pay annually, and