Sean Dray

• 11 min read

Annuities have gotten a bad rap among many people and for a reason. Often, insurance agents and others are willing to sell annuities to just about anyone, whether the person needs it or not. The driving factor is often the high commissions they'l...

Life Insurance Rates May Drop Due To New Rules

• 11 min read

If you’ve been procrastinating about buying life insurance, here’s some motivation: At least two companies have lowered prices on some term life policies, and other insurers might, too, thanks to new state laws about how much money they m...

What Is Your Life Insurance Policy Worth?

• 11 min read

When it comes to our investments, most of us will at least look at our accounts on an annual basis. Some of us will look at our quarterly statements or monthly statements. Then, there are those of us who check our accounts weekly or daily. But, when...

5 Questions Every First-Time Life insurance Shopper Needs To Ask

• 11 min read

Are you the kind of person who thinks ahead? Do you have everything planned out in life, from the number of kids you want to have to the size of the house you want to buy to the age you want to be when you’re retired? Well, none of those plans...

What To Know When Changing Life Insurance Beneficiary

• 11 min read

You may have heard your insurance agent tell the story of a man whose barn burned down. His wife called the agent saying, “We had that barn insured for a hundred thousand and I want my money.” The agent responds, “Whoa there, slow d...

Your Ultimate Guide To Health Insurance Terms

• 11 min read

When shopping for a health insurance plan—or attempting to select one through an employer—you can easily become confused by the many terms you encounter. Understanding what they mean can be important when it comes to selecting the right c...

Why Is Health Insurance Important?

• 11 min read

It has been said that nothing is more important than your health, and there is a lot of truth to that saying. Among other things, a loss of health can mean a loss of earnings if you are not able to work, and it can also mean medical bills that are ex...

The First Health Insurance Policies Helped Reduce Infant Mortality

• 11 min read

The question of whether, and how, governments should help provide health insurance is an old one. Back in the late nineteenth century, European countries took some of the first steps toward state engagement in insurance markets to help financially su...

Annuities Aren’t Just For Older Investors, Experts Say

• 11 min read

Mutual funds are a part of most people’s investment lexicon, thanks to the 401(k). Annuities though, are another story. An annuity is a contract with an insurance company to get financial benefits in the future. But many people don’t know...

Annuities: Love Them Or Hate Them, At Least They're Not Risky

• 11 min read

To some investors, it's a dirty word. To others, it's a warm security blanket. Such is the Jekyll-and-Hyde existence of the annuity, one of the most reviled — and revered — financial products around, depending on your invest...

Sean Dray

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