by Mike Keretz | Sep 28, 2026 | Uncategorized
Most estate-planning advice starts with a bigger life insurance policy. That's often backwards. Before you commit to new premiums, find out whether the coverage you already own is transferable, correctly owned, properly coordinated, and large enough to solve a...
by Mike Keretz | Sep 27, 2026 | Uncategorized
You're 55, self-employed, and your income doesn't arrive on a neat schedule. One month is strong, the next is quiet. You want life insurance that can stay in place for the long term, but the idea of being locked into the same premium every month makes you...
by Mike Keretz | Sep 26, 2026 | Uncategorized
You retire at 62, hand back your laptop, and expect the next chapter to feel lighter. Then payroll explains that your employer health plan ends with your employment. Medicare is still years away, your spouse may have a different plan, and a premium quote arrives that...
by Mike Keretz | Sep 25, 2026 | Uncategorized
If you miss ACA Open Enrollment, which runs from November 1 to January 15, you generally can't enroll in a Marketplace plan until the next annual window unless a qualifying life event gives you a Special Enrollment Period. After January 15, coverage is generally...
by Mike Keretz | Sep 24, 2026 | Uncategorized
In 2026, bronze selections rose from 30% to 40% of marketplace enrollment while silver selections fell from 57% to 43%, according to KFF's analysis of marketplace deductibles and enrollment. The shift followed the expiration of enhanced tax credits, but it...
by Mike Keretz | Sep 23, 2026 | Uncategorized
“No exam” is the most misleading phrase in life insurance marketing. It sounds like the insurer asks nothing, checks nothing, and approves everyone. In reality, whole life insurance no exam usually removes the nurse visit, needles, urine sample, and bloodwork, but it...
