by Mike Keretz | Oct 12, 2026 | Uncategorized
If you're sitting at the kitchen table tonight, looking at a mortgage statement, a stack of daycare flyers, and one decent life insurance policy on the working spouse, you're already doing the math most families avoid. The hard part isn't understanding...
by Mike Keretz | Oct 10, 2026 | Uncategorized
A self-employed contractor finishes a tax return and pauses at an old question about health coverage. An early retiree does the same after a Marketplace premium rises, wondering whether checking “exempt” will solve the problem. The confusion is understandable, but the...
by Mike Keretz | Oct 9, 2026 | Uncategorized
You leave work at 62 with a retirement budget, an investment account, and a calendar suddenly missing one familiar line item: employer health insurance. Medicare won't begin just because your paycheck stops. You may need to coordinate a Marketplace plan, COBRA, a...
by Mike Keretz | Oct 7, 2026 | Uncategorized
You open a quote expecting an unpleasant number and get something that looks like a mistake. The premium is far above your old payroll deduction, the deductible is high, and the explanation says little more than “based on underwriting.” You close the tab, reopen it,...
by Mike Keretz | Oct 6, 2026 | Uncategorized
You're comparing life insurance quotes online because the traditional process sounds like a second job. You don't want to schedule a paramedical visit, lose work for a blood draw, or wait while an insurer requests records from several doctors. That's...
by Mike Keretz | Oct 5, 2026 | Uncategorized
Generally, no. For self-employed people, life insurance premiums are usually treated as personal expenses and aren't deductible, even when you pay them through a business, with a narrow exception for coverage a business buys for employees when the business...
