term life insurance


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?


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?


Couple looks stressed over denied life insurance application.
Getting Denied Isn’t The End Getting a life insurance policy is a serious financial decision made with the best intentions to provide for your family when you are no longer here. Have you been denied life insurance? It can be disappointing when your application is denied. It is important to […]

Denied Life Insurance? What Now?



term vs. whole life insurance
TERM VS. WHOLE LIFE INSURANCE As a new employee of Empower Brokerage, I am beginning to understand the overwhelming feeling that comes along with learning about insurance. There seems to be a million terms and concepts that accompany it. And just when you think you got those down, a million […]

Term vs. Whole Life Insurance


Empower financial risk spectrum
Life Insurance and The Financial Risk Spectrum The above graphic from AIG demonstrates a broad overview of a consumer’s financial risk spectrum over the course of their life. This is a great demonstration of how you can benefit with Term Life Insurance. Pre-Retirement Years As you can see on the […]

Life Insurance and The Financial Risk Spectrum


Mistakes to Avoid When Buying Term Life Insurance Are you a fan of Dave Ramsey? If you are, then you likely know he’s not a fan of cash value life insurance. To be more explicit, he hates cash value and does not recommend it. Instead, Dave Ramsey endorses term life […]

Mistakes to Avoid When Buying Term Life Insurance



Term Conversion
Term Conversion Situations Hi, my name is Enrique, and I am with Empower Brokerage. Today, I have a quick topic I want to share with you all. I am a life insurance specialist here at Empower Brokerage. I have a background in life insurance, as well as banking. For today’s […]

What You Need to Know about Term Conversion