by Mike Keretz | Aug 7, 2026 | Uncategorized
You might be at the kitchen table with a laptop open, comparing policies while your income isn't as steady as it used to be. Maybe you're self-employed, maybe you're close to retirement, or maybe you just want lifelong coverage without locking yourself...
by Mike Keretz | Aug 6, 2026 | Uncategorized
You're in a familiar spot if you're self-employed, between jobs, or trying to bridge the gap before Medicare. You log in to the Marketplace, see a stack of plans, and then the key question hits, how much of this premium can you afford if your income swings...
by Mike Keretz | Aug 5, 2026 | Uncategorized
The first time a crew chief called me about a “small” HVAC mistake, it wasn't small at all. A technician had finished a rooftop changeout, the van got clipped on the way back, and the customer was already asking who was paying for the damage around the unit....
by Mike Keretz | Aug 4, 2026 | Uncategorized
You're probably staring at a renewal notice, a COI request from a GC, and a premium that feels out of line with the size of your crew. That's normal in roofing. Roof work sits in a hard market, and the gap between what you think you bought and what responds on...
by Mike Keretz | Aug 3, 2026 | Uncategorized
Most beneficiaries owe $0 in federal income tax on a life insurance death benefit. The payout is usually tax-free, but interest, estate inclusion, and a few ownership traps can still create a tax bill. You're usually dealing with this question at a rough moment. A...
by Mike Keretz | Aug 2, 2026 | Uncategorized
You're probably looking at a quote, a mortgage payment, and a stack of bills, and thinking the same thing that comes to mind when many search how much life insurance do I need. You don't want theory. You want a number you can defend, without overbuying out of...
