06/12/2026
Back to some insurance basics.
Everyone should own some personal life insurance. This means not associated with your job. This week we worked with a 46 year old male who is now uninsurable due to medical issues.
He has a personal 20 year term with my office and we are going to exercise his conversion privilege and change his short term policy to a long term policy, with no medical questions or exams.
It this person did not have this once very affordable policy in force, he would eventually only have an option at work, which normally goes away when you leave your job.
