The coverage you think you have may not *exist*
LIMRA's newest ownership study exposes a dangerous blind spot: millions of families believe they are protected when they are underinsured or simply unaware of…
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How we work, what we're learning, and plain answers to the questions our clients ask most.
Insurance Planning ·
The 100 million American coverage gap is still open
It is Life Insurance Awareness Month, and the newest LIMRA data shows roughly 100 million Americans still lack adequate coverage.
Insurance Planning ·
The same LTC coverage can cost you 56% more
A 2026 study found identical long-term care coverage priced from $4,591 to $7,173 depending only on the insurer. Same benefits, thousands of dollars apart.
Insurance Planning ·
Half of America is underinsured. Fix the gap before September.
New LIMRA data shows nearly half of Americans are uninsured or underinsured, and most people overestimate the cost of coverage by more than tenfold.
Insurance Planning ·
The $10,965 nursing-home room your plan forgot
A private nursing-home room now runs nearly $11,000 a month, and Genworth just re-entered the long-term care market for the first time in over a decade.
Insurance Planning ·
Half of America has a life insurance gap. Here is the fix.
New LIMRA research shows just half of U.S. adults own life insurance, and more than 100 million admit a coverage gap.
Insurance Planning ·
Hantavirus 2026: What the Outbreak Means for Your Family's Finances
A hantavirus cluster linked to a cruise ship has health officials in a dozen countries on alert. The virus itself may stay contained.
Insurance Planning ·
Living Benefits: The Life Insurance Feature That Pays You While You're Still Alive
Long-term care costs are the number one cause of personal bankruptcy in America for people over 65.
Insurance Planning ·
The S&P 500 Is Down 4.6% This Quarter. Here's Why Smart Families Aren't Panicking
Geopolitical shocks, oil surging 66%, and a CAPE ratio near dot-com bubble levels. The families who aren't panicking right now all have one thing in common.
Insurance Planning ·
What Is Indexed Universal Life Insurance (IUL), And Why High Earners Use It
IUL isn't just life insurance, it's one of the most powerful tax-advantaged wealth-building tools available today.
Insurance Planning ·
Term vs. Whole vs. IUL: Which Life Insurance Policy Is Actually Right for You
Three types of life insurance. Three very different purposes. Most people buy the wrong one because no one explained the differences clearly.
Insurance Planning ·
Why More Families Are Choosing an IUL Over a 401(k), And What the Numbers Actually Show
The 401(k) has been the default retirement vehicle for 40 years, but the hidden fees, tax traps, and lack of flexibility are causing high earners and business…
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