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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


Mistakes a Local Advisor Can Help You Avoid When Choosing an Annuity
A local advisor helps you navigate annuities, avoid costly mistakes, and align your retirement plan with your goals.

Philippe Deray
Nov 133 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


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


Make Your Life Insurance Work Smarter — Understanding Cash Value Policies
Cash value life insurance offers lifetime protection, flexibility, and access to policy funds, providing long-term financial security beyond term coverage.

Philippe Deray
Nov 52 min read


Cancer and Life Insurance: Exploring Possibilities Amid Uncertainty
Facing a cancer diagnosis can make life insurance seem out of reach, but options do exist. By understanding your history, working with knowledgeable advisors, and exploring multiple carriers, survivors and patients alike can find coverage that provides financial protection and peace of mind.

Philippe Deray
Nov 52 min read


Alzheimer’s Disease, Dementia, and Life Insurance: Facing the Unknown
Alzheimer’s disease and dementia create unique challenges for life insurance, but early planning and professional guidance can help families explore available options. Even limited coverage can provide financial protection and peace of mind for both individuals and caregivers.

Philippe Deray
Nov 52 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


💡 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
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