The retirement period is a very crucial time in everyone’s life. It can be a new journey of pleasantness and comfort or pains and hardship. Hence, this article will show you why you must have a retirement plan. Reasons Why You Must Have A Retirement Plan Pensions and Social Security May Fail It is OK […]

Turning Adversity to Advantage in Life Insurance When faced with adversity, it can be difficult to see the silver lining. But if we take a step back and look at the situation objectively, we may find that there is an opportunity hidden within it. Adversity can teach us important lessons that we would not have […]

Tax-Free Retirement Planning Dave Ramsey is a well-known financial advisor who often recommends that people buy term life insurance and invest the difference. While this can be a good strategy for some people, it does not work for everyone. If you are not a stock market broker or expert, it can be difficult to know […]

Save Better for Retirement Utilizing Leverage If you’re like most people, you’re probably not saving enough for retirement. In fact, according to a recent study by the Economic Policy Institute, the average American has less than $5,000 saved for retirement. But there’s a way to supercharge your retirement savings: premium financing. Premium financing is a […]

Financial Literacy Among Black People Financial literacy is must-have knowledge for everyone as it affects almost every aspect of our day-to-day dealings. Financial knowledge does not only arm us with the understanding required for proper monthly budgeting, paying off bills and taxes– it goes beyond that. Financial literacy helps you prepare for more. It influences […]

Misconceptions About Life Insurance There are lots of misconceptions that people have generally regarding life insurance. We will cover a few of them in this article. You may think you are right because your hero like Dave Ramsey told you so and it makes sense to you. It may be that you have done your […]

Keys to Financial Success in America There is no shortage of success in America. Whether you are a native-born citizen or an immigrant, there are opportunities all around us to build lasting wealth. However, for people of color, these keys often seem out of reach. There are keys to success that, when followed, can lead […]

Indexed Universal Life Insurance Preparing for the well-being of your family and loved ones when you’re no more, gives peace of mind. It creates a knowing that your family won’t be stranded. The importance of an Indexed Universal Life Insurance policy cannot be overemphasized.  What Is An Indexed Universal Life Insurance? An Indexed Universal Life […]

Financial Success for People of Color When it comes to financial success in America, the deck is stacked against Blacks and other people of color. From a young age, we are taught that the only way to build wealth is through owning property and stock portfolios. But for most of us, these things are out […]

Factors Affecting Life Insurance Premiums There are many factors that determine how much you pay in life insurance premium. Some people tend to believe that life insurance uses only a couple of things but that could not be farther from the truth. In this article, we will delve into these factors.   Gender  Gender is […]

Life Insurance Consequences In America and the world, several people have wrong conceptions about life insurance schemes. Hence, they are unaware of the dangers of not having life insurance. This article exposes you to the consequences of living without a plan.   The Consequences Of Living Without Life Insurance   You Are Highly Vulnerable To […]

Life Insurance Benefits Life insurance is a form of protection that offers financial benefits if the insured person dies. Particularly if you’re the sole or primary provider for your family, this may be of paramount importance. You should consider getting life insurance to protect your loved ones financially in case anything should happen to you. […]

Life Insurance Platform to Help African Americans While many people fail to realize the importance of having a sound life insurance plan, there are many plans available, and from many different companies. There are general life insurance plans that would be ideal for anyone, but Africans living in America could likely benefit from customized life […]

Indexed Life Insurance for College Savings If you’re like most parents, you want to do everything you can to set your children up for financial success. One important way to do this is to help them pay for college. There are a number of college savings options available, including 529 college savings plans. However, these […]

A Life Insurance Short Story I met with a couple in the summer of 2019 after the wife reached out to me regarding their needs for life insurance. The husband was one of those people that life insurance means nothing to. His belief was that life insurance is a waste of money. I met with […]