top of page


Chronic Kidney Disease Life Insurance: What You Should Know About Getting Coverage
Getting life insurance with chronic kidney disease is challenging—but completely possible. Learn which policies you can qualify for, how underwriting works, and how to improve approval odds.

Philippe Deray
7 days ago4 min read


Life Insurance for Bad Health: How to Get Coverage When Your Health Isn’t Perfect
Many people believe that poor health automatically disqualifies them from life insurance, but that’s not true. From controlled chronic conditions to past serious illnesses, there are multiple life insurance options—fully underwritten, simplified issue, and guaranteed acceptance—that provide protection for individuals with health challenges. Understanding your options and working with the right broker can help you secure coverage and peace of mind for your loved ones

Philippe Deray
Dec 105 min read


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 for Lifeguards and Water Rescue Personnel: Navigating High-Risk Coverage
Lifeguards face unique risks, but with training, safety, and good health, they can possibly secure life insurance coverage for their families.

Philippe Deray
Nov 204 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


Fast Life Insurance Without a Medical Exam: What You Need to Know
No-exam life insurance lets you secure coverage quickly without medical tests. Learn about guaranteed and simplified issue policies, coverage limits, and what to expect from premiums.

Philippe Deray
Nov 133 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


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 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


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
bottom of page
