Blog
Plain-English notes on life insurance and the people who sell it.
Written for the person doing the buying. No jargon, no sales pitch, and every claim you can check yourself.
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Buying life insurance ·
No-exam vs medical exam life insurance, and what the pitch leaves out
The four underwriting paths, what each one checks (including your prescription and MIB files), why no-questions coverage costs more per dollar, and how to decide after 50.
14 min read
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Buying life insurance ·
What happens after you sign a life insurance policy
Free look, two-year contestability, graded burial benefits, grace period, beneficiary form: when each clock starts and what to check first.
15 min read
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Buying life insurance ·
Final expense insurance explained: coverage, cost, and who sells it
Final expense insurance is a small whole life policy meant to cover a funeral. Here is what it pays, why no-health-question plans cost more, how the two-year graded benefit works, and how to check who is selling it.
15 min read
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Working with agents ·
How to help a parent buy life insurance without getting scammed
Older adults reported $7.75 billion in fraud losses to the FBI in 2025. How to sit in on the sale, verify the agent, use the replacement notice and free look, and keep your parent in charge of the decision.
14 min read
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For agents ·
How insurance agents can ask for reviews the FTC-compliant way in 2026
Asking for reviews is legal; steering them is not. Seven FTC-compliant steps for insurance agents: Google policy, state testimonial rules, TCPA texting.
14 min read
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Your rights ·
Your rights when a life insurance agent calls or texts
The Do Not Call Registry doesn't cover agents you gave consent to. What does work: revoking consent by any reasonable means, the 18-month and 3-month windows, $500-per-call damages, and a three-agency complaint route.
14 min read
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Working with agents ·
How to tell a captive life insurance agent from an independent one
A captive agent sells one insurer's policies. An independent agent holds appointments with several. Both are paid by the insurer, not by you. Here is how to tell which kind is quoting you using your state's license lookup.
14 min read
Educational content only — not financial, legal, or insurance advice. Licensedproducer is an independent private directory, not a government agency, and is not affiliated with any Department of Insurance, the NIPR, the NAIC, or InsuraCentral.