Recent Posts:


7 Ways Grandparents Can Help Grandchildren Pay for College
Whether your grandkids are learning to walk or struggling through high school chemistry, now is the time to think about starting a college fund. U.S. News & World Report concludes that the cost of college is a major financial challenge for many households. That means your grandkids will probably need your help.


Guide to Life Insurance for Cancer Patients
Read on to find out if life insurance covers cancer, whether you can get life insurance while being treated for cancer, what your insurance prospects look like once you’re in remission, and what to do if you can’t afford your life insurance.


How Regulation Best Interest (Reg BI) Impacts Your Financial Advisor
Read on to learn how to find out if your advisor is a broker or an RIA, what protections Reg BI offers you, and what limitations Reg BI has relative to the stricter fiduciary care standard.


What is Stranger Originated Life Insurance (STOLI)?
Learning more about STOLI empowers you to protect yourself from insurance scams. It may also clarify how you can legally sell your life insurance for top dollar. Read on for a full review of what STOLI is and what it isn’t.


Can You Have More Than One Life Insurance Policy?
Yes, you can have more than one life insurance policy. There are no legal restrictions on the number of life insurance policies you can hold, though there could be financial limitations. That’s not to say it’s a bad idea to have multiple life insurance policies — two or more layers of coverage may be the right strategy for you. It really depends on what you need financially and what you can afford.


4 Ways to Cancel a Life Insurance Policy
What happens when you cancel life insurance? Unfortunately, that’s not a simple question to answer. Your coverage might end immediately, or it might not. Plus, you may or may not receive a refund of the premiums you’ve paid. These details hinge on the type of policy you have and how long you’ve had it.


Is Your Old Life Insurance Policy Worth Anything?
Life insurance is a financial parachute of sorts. But it can take years to prep that parachute to deliver a soft landing, for beneficiaries or for the policyholder later in life. On permanent and term life policies, the policyholder could pay premiums for decades before the family or insured sees any return from that investment.

U.S. Life Settlement Index: The Best and Worst States for Life Settlements
Whether you’re the buyer or the seller, a life settlement can reshape your finances in short order. Unfortunately, not all investors and policyholders have access to the same level of life settlement opportunity. That’s because the secondary markets for life insurance vary in size and activity level from state to state. In our latest study, the Harbor Life Settlements U.S. Life Settlement Index, we set out to quantify those differences and identify the states that are most and least accommodating to high-value life settlements.


6 Things Life Insurance Agents Should Discuss During Renewal
You can step into that advisory role with a structured and proactive conversation with your clients when they are renewing their life insurance policy. Here are six questions to ask during life insurance renewal to move your clients into the type and level of life insurance that will help them reach their financial goals.