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November 10, 2012

Minding the Gap: The Ups and Downs of Gap Insurance

Whether or not you’ve experienced London Underground’s “mind the gap” mantra on the “the tube,” you know gaps allow for vulnerability. Enter: Gap insurance. When it comes to the gap between what you owe on a car and what it’s worth, gap insurance covers the difference in the event your vehicle is totaled or stolen. …continue reading

November 2, 2012

Is All Term Insurance Alike?

Negative, Ghost Rider. As a broker, I pride myself on being able to provide options to my clients, and being able to “shop around” for them.  Does that mean just getting the best deal and lowest premium?  That’s a small part of it, but definitely not the only reason. Besides the coverage itself, one of …continue reading

What if I never “use” my life insurance?

Term insurance is life insurance for a set period of time, usually 10, 20 or 30 years.  The premiums are fixed for that amount of time.  Similar to renting an apartment, you aren’t building any equity in the policy, but this is perfectly OK.  Do we build any “equity” or cash value in our car …continue reading

Life Insurance: It’s Not Expensive

Life insurance is an emotional thing.  At the end of the day, it’s not about the cost of the premiums.  It’s what the premiums get you in return.  Protection for your family.  Food stays on the table.  The lights stay on in the house.  Your family keeps their house.  The kids can stay in their …continue reading