Philippe Deray

So, you have contact your agent, he or she gave you a quote, you filled out the application, went through underwriting but now the rates are much higher than originally quoted. Why? Read on…

Being declined for life insurance is not the most pleasant thing to experience. Particularly, if you have had to do an insurance exam and waited weeks for a final answer. Once declined though, does it mean no insurance carrier wants you? Read on...

We have had many calls from individuals who could not locate their life insurance policy. In some cases, children of deceased parents were completely at a loss at a time when they needed the most help. What can one do to locate a life insurance policy? Read on...

There can be many reasons why a senior may need to apply to more than one insurance company at the same time. Reasons are numerous and often good but is it OK to do that? Can it result in more declines or penalties? Read on...

Income annuities are, unfortunately, often misunderstood. Or maybe they are just poorly explained. I will try to give them justice but keep in mind that this article may only give you some basic ideas and hopefully also give you a good sense of how important these can be to a retired senior's portfolio. Read on...

No exam whole life insurance is not much different than regular whole life insurance. And the differences are rarely worth the trouble of getting an exam plan with full underwriting and weeks of waiting. We will give you more details on no exam whole life, its advantages and disadvantages and when it is best to select it or not. Read on...

The recession hit so fast that nobody knows exactly what happened. One day everything was on the upside, next day we were all in trouble. Read on…

As a senior, one the biggest fear (besides bad heath and death) is running out of retirement money. Of course there are many plans available that offer income, but few offer guarantees like annuities do. Unless of course you would prefer keeping your money in a savings account and collecting, at best, 2% on your money. Read on…

Particularly in times of economic downturn, it may be tempting to think of a cash value life insurance as a primary place to borrow money. After all, it is your own money you are borrowing against and interest rate is usually very reasonable. Here are some good reasons not to...

Getting life insurance for a father or mother is not so complicated. But certain steps need to be taken to keep things smooth between you and your parent while at the same time keeping them legal.