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A happy young family outdoors, representing the long-term security and legacy protection offered by indexed universal life (IUL) insurance. — When it comes to life insurance, there are many options to choose from—each with its benefits and trade-offs. One type that has gained attention in recent years is Indexed Universal Life (IUL) insurance. This permanent life insurance policy offers both a death benefit and a cash value component tied to stock […]

What is Indexed Universal Life (IUL) Insurance and Why Does ...

July 23, 2025 in life tagged cash value / Financial planning / indexed universal life / life insurance / permanent life insurance by Jose Lerma

There are many types of life insurance to protect you and your family. — Photo by Mikhail Nilov from Pexels Paint a picture of a future where your loved ones are financially secure, regardless of life’s uncertainties. What does that future look like? Does it have them in a new home or having to downgrade and move? Does it have them enjoying the fruits […]

Types of Life Insurance: A Comprehensive Guide

May 8, 2024 in life tagged joint life insurance / permanent life insurance / term life insurance / Univeral Life Insurance / whole life insurance by Jose Lerma

In the forest, a father holds his daughter and reads her a book. — The best life insurance covers everything you need in your present and protects your future as well. If you are unfamiliar with life policies and their terms, let’s look at what you must know before purchasing a life insurance plan. What is it? At its core, life insurance offers a […]

What is the Best Life Insurance?

March 27, 2024 in life tagged benefits / benefits of life insurance / life insurance / permanent life insurance / term life insurance by Joey Hinojosa

Family members are seen eating a meal together. — Younger people do not necessarily consider buying life insurance. It’s not something you usually think about when you are in your early 20s and starting a full-time job right out of college. What age should you buy life insurance? Are there benefits to purchasing a policy at a younger age? […]

When do I buy life insurance?

February 1, 2023 in life / Medicare tagged permanent life insurance / term life insurance / universal life insurance / whole life insurance by Joey Hinojosa

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

Insurance For Retirement — How To Use Life Insurance to Supplement Retirement Income Enrique Torres, Life and Financial Product Specialist at Empower Brokerage, shares how to use life insurance for retirement. Specifically, permanent life insurance and how it can complement your retirement planning. Most of us think of saving money for retirement in either […]

How To Use Life Insurance to Supplement Retirement Income

January 29, 2021 in life tagged cash value / Financial planning / permanent life insurance / retirement planning / whole life insurance by Jenny McCann

Life Happens Pro is introducing Insure Your love month for February. What better gift could you give your significant other for Valentine’s Day other than life insurance? Give you and your family the gift of financial and mental security in case the unthinkable happens. Giving the gift of life insurance […]

Insure Your Love

January 28, 2021 in life tagged cash value / Final Expense / Financial planning / life insurance / permanent life insurance by Jeffrey Cooperstein

In planning your future, know your options regarding using life insurance for retirement. — Are you one of the millions of Americans planning for retirement? Most people think of life insurance as a safety net for their loved ones—a way to provide financial protection after they are gone. But did you know certain types of life insurance can also help you during retirement? With concerns […]

Using Life Insurance for Retirement

September 3, 2020 in life tagged life insurance / permanent life insurance / Retirement / term life insurance by Macee Hall

What is a conversion feature and why should I ensure my insurability? It is important to ensure that you are insurable for your future. You can lock in your insurability when you are young and healthy with an affordable term policy. You will need a policy with a conversion feature. […]

What is a conversion feature and why should I ensure ...

March 24, 2020 in life tagged indexed universal life / permanent life insurance / term life insurance / Underwriting / universal life insurance by Jenny McCann