Insurance, explained for advisors and their clients
Short, practical articles on coverage and implementation, written to keep insurance tied to the financial plan, not a sales illustration.
Disability Income
Choosing a disability insurance elimination period around household reserves
The household needs enough cash to reach the first eligible payment. Compare elimination periods using the monthly shortfall, accessible reserves and the policy's payment schedule.
September 9, 2026
Life Insurance
The conversion clause inside a term life policy
A conversion window can close before level premiums end. Confirm the deadline, eligible permanent products and pricing basis while there is still time to compare the options.
August 10, 2026
Long-Term Care
How long-term care insurance works
A long-term care policy pays under defined eligibility and benefit rules. Understand certification, waiting periods, care settings and payment limits before modeling the coverage.
August 3, 2026
Life Insurance
Why two healthy clients get different life insurance offers
Two hypothetical applicants show why "healthy" does not establish a life insurance rate class. Compare underwriting guidelines, the resulting offer and the contract itself.
July 27, 2026
Disability Income
How individual disability income insurance works
Individual disability insurance adds its own contract to an income-protection plan. Read the disability definition, waiting period, monthly benefit and exclusions beside group coverage.
July 20, 2026
Property & Casualty
What homeowners insurance covers, and the gaps that matter
A hypothetical water loss shows why the cause of damage matters. Read homeowners coverage, settlement terms and exclusions before relying on a headline dwelling limit.
July 13, 2026
Business Insurance
Buy-sell and key-person coverage: funding the moment an owner leaves
Key-person and buy-sell coverage fund different losses. Match ownership and beneficiaries to the agreement, and review entity-redemption arrangements after Connelly.
July 6, 2026
Life Insurance
How term life insurance works, and when it fits a plan
Term life can cover an obligation that is expected to end. Understand the death benefit, level-premium period and renewal terms before matching a policy to the plan.
June 30, 2026
Property & Casualty
When a client's umbrella policy needs another look
A major purchase, new driver or added responsibility can justify another umbrella review. Check limits and exposures while confirming that underlying policies still meet the contract.
June 29, 2026
Long-Term Care
Long-term care at 55: self-fund, insure, or hybrid
At 55, compare a care reserve, standalone insurance and a hybrid contract using the same household plan. Test a long care event against liquidity, premiums and a spouse's needs.
June 25, 2026
Disability Income
What group disability may leave uncovered for high earners
A percentage in a benefits summary can conceal a monthly cap and excluded earnings. A worked example shows how covered salary, the cap and taxes affect spendable group benefits.
June 15, 2026
Life Insurance
Term or permanent life insurance: start with what the plan requires
The policy choice follows the job the coverage must do. Compare term and permanent life using duration, funding capacity and guaranteed versus illustrated results.
June 9, 2026