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Resources: every guide in one place
Plain-English explainers, honest comparisons, underwriting by health condition, our carrier picks, audience guides, downloadable PDFs, and Michigan local pages — all free, all written to inform rather than sell.
Start here
Learn how it works
- Why life insurance? The honest case, myths included
- How life insurance works The 8-step plain-English guide
- Underwriting, explained What carriers check, rate classes, timelines
- How IUL actually works Caps, floors, costs — the honest deep dive
- The IUL library Retirement, professions, wealth stages, design — honestly
- Free guides (PDF) Final Expense Planning Guide + Buyer’s Checklist
Head to head
Compare the options
- Term vs. whole life insurance Term vs. Whole life — which job is yours?
- IUL vs. term life insurance IUL vs. Term — which job is yours?
- IUL vs. whole life insurance IUL vs. Whole life — which job is yours?
- Final expense vs. term life insurance Final expense vs. Term — which job is yours?
- Final expense vs. whole life insurance Final expense vs. Traditional whole life — which job is yours?
Health & coverage
Underwriting by condition
- All health conditions The hub — every condition, grouped
- Life insurance with type 2 diabetes Honest paths, real application questions, carrier niches
- Life insurance with copd Honest paths, real application questions, carrier niches
- Life insurance with heart attack history Honest paths, real application questions, carrier niches
- Life insurance with congestive heart failure Honest paths, real application questions, carrier niches
- Life insurance with cancer history Honest paths, real application questions, carrier niches
- Life insurance with tobacco use Honest paths, real application questions, carrier niches
- Life insurance with quitting smoking Honest paths, real application questions, carrier niches
- Life insurance with non-smoker status Honest paths, real application questions, carrier niches
- Life insurance with stroke or tia Honest paths, real application questions, carrier niches
- Life insurance with afib (atrial fibrillation) Honest paths, real application questions, carrier niches
- Life insurance with high blood pressure Honest paths, real application questions, carrier niches
- Life insurance with dementia or alzheimer’s Honest paths, real application questions, carrier niches
- Life insurance with parkinson’s disease Honest paths, real application questions, carrier niches
- Life insurance with hiv or aids Honest paths, real application questions, carrier niches
- Life insurance with organ transplant Honest paths, real application questions, carrier niches
- Life insurance with kidney disease Honest paths, real application questions, carrier niches
- Life insurance with type 1 or insulin-dependent diabetes Honest paths, real application questions, carrier niches
- Life insurance with heart stents or bypass surgery Honest paths, real application questions, carrier niches
- Life insurance with pacemaker or implanted defibrillator (icd) Honest paths, real application questions, carrier niches
- Life insurance with sleep apnea Honest paths, real application questions, carrier niches
- Life insurance with asthma Honest paths, real application questions, carrier niches
- Life insurance with high cholesterol Honest paths, real application questions, carrier niches
- Life insurance with breast cancer (survivors and in treatment) Honest paths, real application questions, carrier niches
- Life insurance with prostate cancer Honest paths, real application questions, carrier niches
- Life insurance with lupus (sle) Honest paths, real application questions, carrier niches
- Life insurance with rheumatoid arthritis Honest paths, real application questions, carrier niches
- Life insurance with multiple sclerosis (ms) Honest paths, real application questions, carrier niches
- Life insurance with depression or anxiety Honest paths, real application questions, carrier niches
- Life insurance with bipolar disorder Honest paths, real application questions, carrier niches
- Life insurance with epilepsy or seizures Honest paths, real application questions, carrier niches
- Life insurance with hepatitis c Honest paths, real application questions, carrier niches
- Life insurance with liver disease or cirrhosis Honest paths, real application questions, carrier niches
- Life insurance with being overweight (high bmi) Honest paths, real application questions, carrier niches
- Life insurance with a dui or dwi Honest paths, real application questions, carrier niches
- Life insurance with alcohol or drug treatment history Honest paths, real application questions, carrier niches
- Life insurance with a criminal record, felony, or probation Honest paths, real application questions, carrier niches
- Life insurance with nursing home, home health care, or needing help with daily living Honest paths, real application questions, carrier niches
Our honest picks
Recommendations from our panel
Life stages
Coverage for where you are
Careers
Selling life insurance, honestly
- The careers guide Every page for people thinking about joining an agency
- Why join a life insurance agency in 2026? Record demand, a license in weeks, and what a good agency hands you — downsides included.
- How much do life insurance agents make in 2026? The government’s number, why it misleads for commission agents, and a calculator for any income.
- How to make $5,000 a month selling life insurance The first real milestone: about five issued policies and 45 dials a day.
- How to make $10,000 a month selling life insurance About $120,000 a year: ten issued policies, three applications a week, ~90 dials a day.
- How to make $20,000 a month selling life insurance Top-producer math: bigger average premium, better close rate, higher contract level.
- How life insurance commissions work (advances, chargebacks, renewals) Annual premium, advances, chargebacks, renewals, and persistency — with worked examples.
- Captive vs. independent life insurance agent: which is better? One company’s products or many carriers: pay, leads, training, and who each fits.
- How to choose a life insurance agency to join Twelve questions to ask on the first call — and the red flags that should end it.
- Free leads vs. higher commission: which pays agents more? A 120% contract that makes you buy leads can pay less than an 80% contract with free leads. The math.
- Life insurance agencies that provide leads: what “free leads” really means “Free leads” can mean five different things. Seven questions that tell you which one you’re getting.
- Training, structure, and culture: what a good independent agency looks like A real daily standard, real call reviews, a certification before leads. What structure should look like.
- Is life insurance sales a good career? The honest answer: great for some people, wrong for many. The pay data, the trade-offs, and a self-test.
- Changing careers into life insurance sales Which skills transfer from teaching, hospitality, the military, retail, car sales and more — and a 30-day plan.
- How to leave a captive insurance company and go independent Your license, your contract, your clients, your cash flow — the ten-step checklist for going independent.
- Moving your insurance team to a new agency: a team leader’s guide For team leaders: releases, contracts, timing, and keeping every agent producing through the move.
- Leaving State Farm: a guide for agents and team members going independent For State Farm agents weighing the 2026 contract changes — and licensed team members who want their own upside.
- Leaving American Income Life: what changes when you go independent What changes for AIL agents who go independent: carriers, leads, renewals, and what to check first.
- Leaving Globe Life: a guide for agents going independent For agents in Globe Life’s exclusive agency divisions: what you keep, what stays, and what independent looks like.
- Six-figure jobs without a degree: what the data actually says Government data on careers with no degree required where the top earners clear $100K — and how they compare.
- From loan officer to life insurance agent: a career move for mortgage pros Mortgage jobs shrank by about a third since 2021. Why loan officers are moving into life insurance — and how.
- Mortgage protection insurance sales jobs: the work, the pay, and how to start What selling mortgage protection actually looks like, who does well, and how to start — with leads provided.
- Can a loan officer also sell life insurance? Two licenses, RESPA, anti-tying rules and your employer’s policy — the straight answer.
Who we serve
Guides by audience
- Veterans Veterans
- Military families Military
- Teachers Educators
- Nurses Healthcare
- Parents Parents
- Children Children
- Business owners Business owners
- Business partners Partners
- Couples Couples
- Asset protection Legacy
- Foreign nationals Visa holders
- Green-card holders Permanent residents
- Non-resident foreign nationals Non-residents
- H-1B visa holders H-1B
- Dads Dads
- Moms Moms
- Grandparents Grandparents
- Union members Union members
- Truck drivers Trucking
- First responders First responders
- Construction workers Construction & trades
- Self-employed workers Self-employed
- Retirees Retirees
- New homeowners New homeowners
Coverage types
Products, explained
- Term life Rent maximum protection for the exposed years
- Whole life Own lifelong coverage with a locked premium
- Indexed universal life Flexible permanent coverage, honestly framed
- Final expense & burial The funeral, handled
- Cremation insurance Sized for cremation costs
- Mortgage protection Keep the family home
- Affordable life insurance The honest way to pay less
Carriers
Independent carrier reviews
- All carriers we place The panel, with ratings
- Mutual of Omaha review A+ (Superior) · sourced and date-stamped
- Aetna review A (Excellent) · sourced and date-stamped
- American Amicable review A (Excellent) · sourced and date-stamped
- Royal Neighbors of America review A (Excellent) · sourced and date-stamped
- AIG review A (Excellent) · sourced and date-stamped
- Transamerica review A (Excellent) · sourced and date-stamped
- Foresters Financial review A (Excellent) · sourced and date-stamped
- Americo review A (Excellent) · sourced and date-stamped
- Banner Life review A (Excellent) · sourced and date-stamped
Michigan
Local guidance
- Life insurance in Michigan Statewide, from our Troy headquarters
- Troy, MI — our office Visit or call
- Detroit, MI Wayne County · Metro Detroit
- Grand Rapids, MI Kent County · West Michigan
- Warren, MI Macomb County · Metro Detroit
- Sterling Heights, MI Macomb County · Metro Detroit
- Ann Arbor, MI Washtenaw County · Southeast Michigan
- Lansing, MI Ingham County · Mid-Michigan
- Flint, MI Genesee County · Mid-Michigan
- Dearborn, MI Wayne County · Metro Detroit
- Livonia, MI Wayne County · Metro Detroit
- Rochester Hills, MI Oakland County · Metro Detroit
- Southfield, MI Oakland County · Metro Detroit
- Novi, MI Oakland County · Metro Detroit
Careers
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Articles & special topics
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