Blogs
Stay current on topics pertaining to Life Insurance, Mortgage Protection, and Annuities
Can I get Life Insurance Guaranteed Issue if I have Medical Issues?
You may be surprised to hear, but the answer to that is YES, you can! Many people believe that based on the severity of their medical issues, they have little to no chance of qualifying life insurance.
What is a Beneficiary and How Should You Choose One?
A beneficiary is a person or entity designated by the policy owner to whom the proceeds of the policy are paid upon the insured’s death.
Term Life Insurance: Insurance for Income Protection
Term Life Insurance is a contract between the insurance carrier and you, the policy owner, that states that they will pay a death benefit to the insured’s beneficiary in exchange for a premium payment – during a specified time frame, hence the word Term.
Vested: What does it mean as an Insurance agent?
Being vested from day one means you won’t have to count down the months until you have 100% commission ownership. The term “vested” is often used in describing employer-sponsored retirement plans and how many years it takes for the employee to retain ownership.
Final Expense Life Insurance, Simplified.
There are many types of Final Expense Life insurance products on the market. Therefore, the options can be overwhelming to determine which works best for you, your family, and your goals.
Independent Insurance Agent or Captive: Can’t decide between the two?
If you are newly 214/215 licensed (congrats!), the first major decision you will have to make is critical… Should you be a Captive or Independent Insurance Agent?
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Pivotal is beneficial to anyone looking to protect their family, and themselves from financial risk.