You’d think filing a life insurance claim would be simple: submit some papers, get your check, done. Unfortunately, it’s rarely that straightforward. There are several perfectly reasonable (and some not-so-reasonable) explanations why your life insurance payout might be moving at…
Once upon a time there were two different numbers: There were two different numbers: a “cash value” and a “cash surrender value.” The cash value looked decent, but the surrender value in the early years was shockingly low. How could…
Look, nobody wakes up excited to think about life insurance. It’s right up there with doing taxes and going to the DMV. But here’s the thing: if you’ve had the same policy for years and your life has completely changed,…
I’ve been doing a deep dive into life insurance lately—specifically what happens when you can’t keep up with payments. It’s one of those things nobody really talks about until it’s too late, you know? Like, we all know life insurance…
Disclaimer: Think of this as me learning out loud. I’m not an expert yet, but I’m excited to break down what I’ve discovered. What’s the Point of Life Insurance Anyway? Let’s start with the big picture. Life insurance exists for…
Hey from Dallas! I’m Ben, and I recently navigated the Affordable Care Act Marketplace maze so you don’t have to. If you’ve ever felt lost in insurance jargon—premiums, deductibles, mysterious “Silver 87” plans—this guide is for you. Let’s demystify how…
Health insurance is basically like paying taxes, except you’re sick while doing it, the rules are hidden behind endless phone trees, and the “forms” show up as five separate bills. Here’s the big idea you need to tattoo on your…
Disclaimer: I’m not an expert – just a patient in Dallas figuring out why getting health care can feel like running an obstacle course. This isn’t legal or medical advice, just my journey through the maze. Navigating health insurance in…
The health insurance plans that I’ve heard about the most until now are the health plans on Healthcare.gov website. They do a great job of marketing to everyone online before and during the open enrollment periods. Still there are some…
Preface: I’m Learning This in Real Time I’d like to preface this article by saying I’m still learning about the health insurance industry. This is my attempt at working through things and finding answers to the questions I keep running…