3 Reasons to Use an Independent Insurance Agent or Financial Advisor

The Benefit of Choice If you’re currently working with an insurance agent, you may have noticed they work for a wholesale insurance company. They write new business and renew existing policies. By working as independent insurance agents that sell many different carriers, they have access to the best rates and programs. Another benefit to using … Read more

What Is Whole Life Insurance?

Understanding Permanent Whole Life Insurance  Whole life insurance is a protection that’s built for you for the rest of your life and accrues a cash value.  In addition to providing a death benefit, a whole life insurance policy will accrue a cash value that can be used later for purpose like low interest loans. Whole … Read more

What Is Term Life Insurance?

“A licensed insurance agent can answer your questions and help you find many more options that will fit you and your specific situation.” -Paul Cercy What is term life insurance? Term life insurance is a type of life insurance that covers a specific period of time and it has no cash-value accrual. You can think … Read more

What Are The Differences Between Active and Passive Income?

The Quick and Dirty…   There are many differences, but traditionally, the main difference is that while you’re actively working to make money through your job or side business, you’re passively making money with your investments of money and time. I personally define active income as any income that requires your constant physical presence to … Read more