Frank Collige

Act Now To Avoid Higher Life Insurance Rates

• 11 min read

You might want to lock in life insurance premiums now, before they increase. You’ve probably seen the data showing that life expectancy in the U.S. has been declining. The decline first was detected before the pandemic, due to the opioid epide...

Act Now To Avoid Higher Life Insurance Rates

• 11 min read

You might want to lock in life insurance premiums now, before they increase. You’ve probably seen the data showing that life expectancy in the U.S. has been declining. The decline first was detected before the pandemic, due to the opioid epide...

Climate Change Could Quickly Turn Your Old Roof Into a Home Insurance Headache

• 11 min read

You’ve always paid your homeowners insurance bill on time and never even filed a claim. So why did your carrier reduce your coverage or even drop it entirely? Your roof — and climate change — could be to blame. Homeowners...

What Is Indexed Universal Life Insurance?

• 11 min read

Life insurance policies are typically sorted into two categories: term life and whole life. Term life insurance policies are policies that last for a certain term period, while whole life policies last the entirety of the insured’s life. ...

What Is Mortgage Insurance?

• 11 min read

What Is Mortgage Insurance? Mortgage insurance is an insurance policy that protects a mortgage lender or titleholder if the borrower defaults on payments, passes away, or is otherwise unable to meet the contractual obligations of the mortgage. Mortg...

Should I Buy Life Insurance For My Parents?

• 11 min read

It’s natural to want to protect your parents. After all, they raised you. But does your desire to help Mom and Dad extend to buying life insurance for them? Well, it can. However, you can’t surprise them with the gift of a life insurance...

Why Group Life Insurance at Work Often Isn't Enough

• 11 min read

Key points Many employers offer life insurance as a workplace benefit. This insurance may not provide sufficient protection for several reasons. Buying supplementary coverage could be crucial to provide for loved ones. Many companies offer&nbs...

Turn Your Retirement Savings Accounts Into a Type of Pension Income

• 11 min read

As a child growing up in the 1960s, I remember hearing so many Black families talking about their employee pensions. All they understood was that when they retired, their employer would continue providing paychecks for life. This is what attracted ma...

Should A Deferred Income Annuity Have A Place In Your Retirement Plan?

• 11 min read

If you’re looking for payments that begin on a future date and continue for the rest of your life, your spouse’s life or for a specific period, you might consider a deferred income annuity, or DIA. DIAs offer several distinct advantages...

The Rules Just Changed For Permanent Life Insurance And Taxes?

• 11 min read

A new window of opportunity has opened up for consumers who have or who are interested in buying permanent life insurance. Here is what you need to know and how you can take advantage of these changes: What is the 7702 Tax Law? The 7702 Tax Law is...

Frank Collige

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