by Mike Keretz | Aug 26, 2026 | Uncategorized
Maya is three weeks away from her 26th birthday when a letter from her mother's insurer arrives. She's a freelance designer in Ohio, so her income changes from month to month and she doesn't have an employer plan waiting in the background. At nearly the...
by Mike Keretz | Aug 25, 2026 | Uncategorized
You're comparing plans during open enrollment, and the monthly premium makes the decision look easy. The HDHP costs less every month, while the PPO appears safer because you'll pay less when you visit a doctor. Then you remember the deductible, your...
by Mike Keretz | Aug 24, 2026 | Uncategorized
The quickest way to get an accurate life insurance quote for a mortgage is to start with your remaining mortgage balance, not the original loan amount. In one Canadian dataset, mortgage holders selected an average of $762,660 in coverage, compared with $553,124 among...
by Mike Keretz | Aug 23, 2026 | Uncategorized
You're self-employed, approaching retirement, or helping a family member compare health plans. Two documents sit on your screen. The insurer names differ, the prices aren't the same, and yet several paragraphs appear almost identical. Then you see terms such...
by Mike Keretz | Aug 22, 2026 | Uncategorized
You're staring at a South Carolina health insurance quote that looks manageable until you notice the deductible, network restrictions, and the line asking you to estimate next year's income. One plan shows a low monthly premium, another costs more but covers...
by Mike Keretz | Aug 21, 2026 | Uncategorized
The most common life insurance advice is also the least useful: buy ten times your income. That shortcut ignores the mortgage, dependents, savings, employer benefits, taxes, caregiving, and the number of years your household needs support. Life insurance for income...
