The decision to buy life insurance is one of the most important that we can make in our financial lives. It requires careful consideration of our needs, concerns and priorities. When the decision is finally made it brings a sense of relief and comfort to most, until they begin the agonizing process
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 Major events like marriage, children, or income jumps can make old coverage outdated.Annual reviews help avoid big gaps, allowing small, strategic adjustments rather than costly catch-ups.You may find cheaper term coverage, especially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