Guaranteed Universal Life

Let's assume you selected a life insurance product to buy.   Now, you're ready to apply for coverage. Simple, right?  Sometimes yes, many times - no.  This article will explain the process of applying for life insurance, provide important tips,

Shopping for life insurance online can be both smart and frustrating.  There is an overabundance of information about life insurance - some good, some not so good.  One of the most frustrating aspects of shopping online is obtaining the quotes

I recently read an article in USA Today on the subject of the best time to buy life insurance.  Most of the advice was the standard, common-sense variety, so I thought I would expand on this topic and share some

Does it make sense to buy life insurance for children?  Whether you are a parent or grandparent, you might wrestle with this question and need some advice.  In this article, we will look at the pros and cons of buying

I recently spoke with a gentleman who was searching for the best possible life insurance company. He wanted to replace his term policy that expired and was looking for online reviews.  Finding low rates were high on his priority list,

If you recently purchased a home or refinanced your mortgage, then it's highly likely that you have received many offers in the mail for "Mortgage Life Protection" or "Mortgage Life Insurance". In this article, we examine the pros and cons of Mortgage

Disclaimer:  We have no affiliation with Zander Insurance or Dave Ramsey.  We are an independent life insurance agency. In case you are not familiar with Zander Insurance, they are the life insurance agency to whom Dave Ramsey refers his listeners and readers. 

Dave Ramsey is a financial guru.  He is a lot more than a financial expert, though.  Dave Ramsey is an accomplished businessman, author, radio personality and motivational speaker.  My wife and I went through Dave's Financial Peace University with our

The Laddering Concept Most people are familiar with the concept of laddering when referring to certificates of deposit (CDs) or other financial products.  Laddering financial products ensures that the expiration dates (or maturity dates) of investments don't occur at the same time. Laddering is a

Most people find us on the web and already know what they want.  You might have heard that it's best to buy a 20-year or 30-year term policy and now you are checking out rates and carrier ratings.  Other people want to do