Author Archives: lifeandhealthadvisor

About lifeandhealthadvisor

I teach people about insurance and how money works, and I help people decide which form of safe money is best for them. I operate primarily in the Pikes Peak region.

The Cost of Protection v. the Cost of Non-protection

I was talking to a couple recently about life insurance.  They didn’t think that they could afford to buy any.  Now it’s true that some people simply can’t afford any extra expenses, no matter how small.  But most employed people … Continue reading

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Something New

I’ve decided to try something that I haven’t done before.  I’m going to run a promotion. Anybody who calls me about an appointment during this week will get the opportunity to have all insurance policies of all types reviewed for … Continue reading

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Deductibles v. Premiums

A lot of people don’t think much about the effect that a deductible has on the premium.  Life insurance doesn’t have any deductibles, but most other types of insurance do. For instance, a 30-year-old woman with a $1,000 deductible on … Continue reading

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Financial Education, Part 2

Inflation A lot of people who retire these days have roughly $75,000.  The reason is because they were told forty years ago that they would need that much to retire.  So that’s what they saved. Now, today, $75,000 is an … Continue reading

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Financial Education, Part 1

Old-school insurance didn’t have anything to do with financial education.  The salesmen just pushed their policies and went on to the next customer.  You can still find a lot of insurance agencies who do things that way. But those of … Continue reading

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Annuity Basics

A lot of insurance companies sell more than just insurance.  Many life insurance companies also sell annuities.  A lot of people have heard of annuities without really knowing what they are. In the simplest terms, an annuity is like a … Continue reading

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Reasons for Life Insurance

There are several schools of thought about life insurance. The best thing ever. Good but not necessary. Useful for some people but not others. Take it or leave it. A total rip-off. Don’t know anything about it, and don’t want … Continue reading

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