Life Insurance & Annuity Experts (888) 539-1633

Financial planning

A mother works and sits with her child. — It can be challenging for you to determine who will be your life insurance beneficiary. Firstly, no one wants to talk about death, but choosing the correct beneficiary is a vital decision every policyholder must make. Are you aware that naming a minor beneficiary can cause problems after the insured passes […]

Minor Beneficiary

June 21, 2023 in life tagged death benefit / Financial planning / life insurance beneficiary by Joey Hinojosa

A young man and his advisor review life insurance policies. — For many Americans, having employer life insurance is a good benefit, especially if there is no other life insurance policy to their name. They can receive some form of comfort knowing that they have coverage in case the worst should happen. Employer-provided life insurance is group term life insurance that employers […]

Is Employer Life Insurance Enough?

June 14, 2023 in life tagged employer life insurance / employer provided life insurance / Financial planning / group insurance by Kayla Gonzalez

A wheelchair sits in a living room, and a disabled woman sits on a couch with a laptop. — Disability Insurance Awareness Month When you consider the month of May, you may picture sunny days, spring flowers blooming, or graduation ceremonies, but May is also Disability Insurance Awareness Month. Have you pondered why purchasing this insurance is advantageous? What is Disability Insurance? Disability Insurance provides a safety net for […]

Disability Insurance

May 17, 2023 in life tagged disability insurance / Financial planning / income / short term disability by Joey Hinojosa

Planning for your financial future is essential, and understanding the different retirement savings options available is key to securing your financial stability. The Individual Retirement Account (IRA) and the 401(k) plan are two popular retirement savings vehicles that offer tax advantages and cater to various financial needs and preferences. As […]

IRA and 401(k): At a Glance

May 3, 2023 in life tagged 401k / Financial planning / IRA / retirement planning by Jose Lerma

When depositors run for their money from the banks, a bank failure is often inevitable. — As we go about our daily lives, we often take for granted the stability of our banking system. However, throughout history, there have been instances where banks have failed, leading to devastating consequences for individuals, businesses, and entire economies. In this article, we’ll explore what a bank failure is, why […]

What is a Bank Failure?

April 5, 2023 in life tagged economics / Financial planning / goverment aid by Jose Lerma

The differences between a Roth IRA and a traditional IRA are numerous. — If you’re saving for retirement, you’ve probably heard of both a Roth IRA and a traditional IRA. As everyday costs continue to rise and interest rates continue to increase, a traditional savings account or the picturesque piggy bank may not always be the best way to reach your financial goals. […]

Roth IRA vs Traditional IRA

February 8, 2023 in life tagged Financial planning / Retirement / Roth ira by Jose Lerma

Money Matters You teach your kids how to count, read, and tie their shoes, but are you teaching your kids how to manage money? You may or may not subscribe to thinking this way, but money makes the world go round. Children who do not learn how to handle money […]

Money Management for Kids

November 30, 2022 in life tagged education / Financial planning / money management / parenting by Kayla Gonzalez

Life Insurance Is Important Everyone knows the importance of life insurance. It provides a financial safety net for those that you leave behind. Your responsibility is to continue making monthly payments to ensure that your beneficiaries can receive the payout once you pass. The sum of money can vary by thousands or […]

Picking a Life Insurance Beneficiary

October 12, 2022 in life tagged beneficiary / death benefit / Financial planning / life insurance / life insurance beneficiary by Kayla Gonzalez

do i have too much life insurance — We all know that protection and preparation for unknown situations are critical, but what about having too much life insurance? A financial safety net to fall back on is significant to put into place for your family, but can the blanket be too big? Yes! It actually may be possible […]

What Is Too Much Life Insurance?

September 7, 2022 in life tagged Financial planning / permanent life insurance / term life insurance by Jose Lerma

A family smiles and hugs each other — The beginning of September marks the first day of Life Insurance Awareness Month. You may be familiar with life insurance, or perhaps you do not know anything about the topic. Let us examine why a person should consider purchasing a life insurance policy and understand the different kinds of life […]

Life Insurance Awareness Month

September 1, 2022 in life tagged Financial planning / life insurance / permanent insurance / permanent life insurance / term life insurance by Joey Hinojosa