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Why Workplace Life Insurance Is Often Considered Supplemental Coverage Rather Than Primary Protection
Employer-provided life insurance is helpful but limited. It’s best seen as supplemental, with personal policies serving as primary protection.

Philippe Deray
Dec 14 min read


Don’t Delay: Why Getting Life Insurance Now Is the Smartest Move You Can Make
Delaying life insurance can cost more than you think. Even a small policy today protects your family, secures your future, and keeps your options open for tomorrow. Start now, adjust later.

Philippe Deray
Nov 255 min read


Life Insurance After Prostate Cancer: What You Need to Know
Life insurance is possible after prostate cancer. With the right approach and planning, survivors can secure coverage to protect their loved ones.

Philippe Deray
Nov 254 min read


Ever Wondered About Life Insurance? It’s More Affordable Than You Think
Life insurance isn’t just for the wealthy or older adults—it’s a practical, affordable way to protect your loved ones and ensure financial security, even with a modest budget.

Philippe Deray
Nov 134 min read


Why Annual Reviews of Life Insurance and Annuities Are Crucial—and Why You Need a Trusted Advisor
Annual reviews of life insurance and annuities help ensure your coverage stays aligned with your life, with a trusted advisor guiding the way.

Philippe Deray
Nov 134 min read


The Value of Very Small Face Amount Life Insurance Policies
Small life insurance policies, ranging from $5,000 to $50,000, provide affordable protection for final expenses, help cover debts, and give peace of mind to loved ones.

Philippe Deray
Nov 133 min read


Why Working With a Local Annuity Advisor Makes a Difference
Choosing the right annuity can be confusing, but a local advisor provides guidance, clarity, and personalized support to help you make the best decision for your financial future.

Philippe Deray
Nov 133 min read


Understanding Term Conversion: Protecting Your Future Options in Life Insurance
Term conversion lets you switch to permanent life insurance for long-term coverage and peace of mind.

Philippe Deray
Nov 64 min read


Navigating Life Insurance with Diabetes: Understanding Your Options
Living with diabetes doesn’t automatically prevent you from getting life insurance. Understanding how insurers assess risk, managing your health, and exploring multiple policy options can help secure coverage. With the right guidance, you can protect your family’s future and gain peace of mind.

Philippe Deray
Nov 43 min read


Understanding Life Insurance Riders: Which Ones Offer the Most Value?
Life insurance isn’t just about a death benefit. Optional riders—like chronic illness, critical illness, and disability income protection—can provide financial support when you need it most. Learn how these riders work and which ones offer the most value.

Philippe Deray
Oct 284 min read


Is Life Insurance Required for an SBA Loan? What Small Business Owners Should Know
Wondering if life insurance is required for an SBA loan? While the SBA doesn’t mandate it, lenders may request coverage in certain situations, especially for key owners or larger loans. Understanding your options can help protect your business and improve your loan approval chances.

Philippe Deray
Oct 224 min read
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