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Chronic Respiratory Diseases and Life Insurance: Breathing Easier About Options
People with COPD or asthma can still get life insurance. Proper health management and understanding underwriting options help secure coverage and protect loved ones.

Philippe Deray
Nov 52 min read


Heart Disease and Life Insurance: What You Need to Know
Even with a history of heart disease, life insurance is still possible. By managing your condition, maintaining a heart-healthy lifestyle, and working with knowledgeable advisors, you can explore coverage options and protect your loved ones.

Philippe Deray
Nov 43 min read


Life Insurance and Crohn’s Disease: What You Need to Know
Crohn’s disease doesn’t prevent life insurance. With preparation and the right agent, you can find suitable coverage.

Philippe Deray
Nov 44 min read


Understanding Term Life Insurance: Protecting Your Loved Ones
Term life insurance provides affordable, temporary coverage to protect your loved ones financially in case of the unexpected.

Philippe Deray
Nov 43 min read


💡 What Is Level Term Life Insurance?
Level term life insurance provides affordable, temporary protection to ensure your family or business is secure today. While it offers high coverage at lower premiums, converting to permanent life insurance later can provide lifelong security, cash value growth, and long-term financial flexibility.

Philippe Deray
Nov 44 min read


Why “Tax‑Deferred + Downside Protection” Can Beat a Raw Stock Market Bet for Many Investors
While the stock market offers high potential returns, volatility and taxes can erode growth. An Indexed Universal Life (IUL) policy provides tax‑deferred, protected growth with a death benefit, making it a strategic complement for long‑term wealth planning when structured properly.

Philippe Deray
Oct 304 min read


Mortgage Protection Insurance in Florida: What Every Homeowner Should Know
Many homeowners confuse mortgage protection insurance with PMI, but while PMI protects the lender, mortgage protection insurance safeguards your family. Learn how the right plan in Florida can ensure your home and loved ones are financially secure.

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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