by Mike Keretz | Sep 1, 2025 | Uncategorized
Trying to get life insurance when you have a pre-existing health condition can feel like hitting a brick wall. The endless questions, the medical exams, the constant fear of rejection—it's exhausting. But what if there was a way to get coverage without all that?...
by Mike Keretz | Aug 31, 2025 | Uncategorized
An accelerated death benefit (ADB) is a feature tucked inside some life insurance policies that lets you access a chunk of your payout while you're still alive. It's triggered when you're diagnosed with a qualifying serious illness. Think of it as an early...
by Mike Keretz | Aug 30, 2025 | Uncategorized
If you don’t get health insurance through a job, you’re not alone. Individual health insurance plans are your personal safety net, bought directly from an insurance company. They’re designed for people just like you—individuals and families who need to find their own...
by Mike Keretz | Aug 29, 2025 | Uncategorized
It's easy to get life and health insurance mixed up. They both offer protection, but they kick in at completely different times and for totally separate reasons. Here's the simplest way to think about it: health insurance protects you while you're alive,...
by Mike Keretz | Aug 28, 2025 | Uncategorized
When you apply for life insurance, there's a crucial step that happens behind the scenes between submitting your application and getting your final policy. It’s called underwriting, and it’s how the insurance company really gets to know you. Think of it as a...
by Mike Keretz | Aug 27, 2025 | Uncategorized
When you peel back the layers, term life insurance is refreshingly simple. It boils down to a core promise: you get affordable coverage for a set amount of time (think 10, 20, or 30 years) without any complicated investment features. This makes it an incredibly...
by Mike Keretz | Aug 26, 2025 | Uncategorized
Losing your job is stressful enough without having to worry about losing your health coverage, too. The good news is, you don’t have to. You can get quality health insurance without a job through a few key pathways, like the ACA Marketplace, COBRA, or Medicaid. Where...
by Mike Keretz | Aug 25, 2025 | Uncategorized
Choosing the best life insurance for families is one of the most significant financial decisions you'll make, establishing a vital safety net for your loved ones. This isn't just about a policy document; it's a foundational promise to protect their future,...
by Mike Keretz | Aug 24, 2025 | Uncategorized
Picking a number for life insurance often feels like a shot in the dark. So many people just take their salary and multiply it by ten, hoping for the best. But this common shortcut is a huge gamble that can leave the people you love with massive financial gaps. A life...
by Mike Keretz | Aug 23, 2025 | Uncategorized
Picture this: going without health insurance feels like walking a tightrope without a safety net. One tiny slip, and you're in free fall. A gap in medical insurance coverage isn't just about being totally uninsured for years. It's any period—even just a...
