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A message from Michael Kalen, CEO of Futurity First Insurance Group.
  • 10 Reasons to Consider Life Insurance (and When!)

    We asked insurance professionals on our LinkedIn pages to share their best tip on life insurance and getting coverage, and here is some of the great advice we got: 1. Start young. Just because you don’t have a family, mortgage and larger financial obligations doesn’t mean that you have to wait to get life insurance coverage. Lock in your rates while you are young and healthier. You can always add more later in life.
  • 3 Ways to Help a Charity With a Gift of Life Insurance

    Regardless of your reasons for giving, a gift of life insurance can represent a substantial future gift to a favorite charity at relatively little cost to you. There are several ways you can accomplish that: 1. Make a charity the beneficiary of an existing policy: If you have a life insurance policy you no longer need to support your partner or family, you can name a charity as the beneficiary of the policy, meaning that the charity will receive the policy’s death benefit when you die. While there are no current tax benefits to this approach, the value of the policy will be removed from your estate for federal estate tax purposes.
  • Think You Can’t Get Life Insurance if You’ve Had Breast Cancer? Think Again!

    You may think that because you’ve had breast cancer, you won’t be able to get affordable life insurance. That’s just not true! Many breast cancer survivors can qualify for coverage and probably a lot sooner than they think. Because of advances in treatment, many life insurance companies have changed their coverage guidelines (aka underwriting). That means agents across the nation are able to help their clients with a breast cancer history get affordable life insurance.
  • Insuring the Times of Your Life

    If you have people you love and who depend on you, or you have financial obligations to meet, you need life insurance to protect against the “what ifs”—at every stage in life. Single: You may think you don’t need life insurance, since you have no dependents, but if you owe money, you need it. It ensures that your debts, including student loans, won’t be passed on to your family. Plus, life insurance will never be cheaper than when you’re young and healthy. Married: As you begin your lives together

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