When you think of generational wealth, few names resonate louder than the Rockefellers. With a net worth exceeding $10 billion, the Rockefeller family didn’t just build a fortune — they engineered a dynasty. And at the core of their wealth-building strategy wasn’t just oil or investments. It was life insurance.

When you think of billion-dollar companies like Disney or McDonald’s, you probably imagine massive venture capital deals or early investor pitches in smoky boardrooms. What you don’t imagine is a life insurance policy quietly fueling the engine behind some of the most iconic brands in American history. But that's exactly what happened. Before they became household names, several business giants turned to one of the most underutilized financial tools out there: cash value life insurance.

If you’ve ever applied for life insurance and wondered what’s going on behind the scenes, you’re not alone. The underwriting process can feel mysterious—but it doesn’t have to be. Whether you're applying for term life insurance, whole life insurance, or universal life, the goal is the same: to assess risk and determine your life insurance rate class.In this guide, we’ll demystify the underwriting process so you know what to expect and how to prepare—plus how to potentially lower your life insurance premium in 2025.

Your life changes fast—and your life insurance needs should change right along with it. What works for a single 25-year-old just starting out isn’t going to cut it for a parent in their 40s or someone planning for retirement.

If you’re self-employed, you already wear enough hats—entrepreneur, accountant, marketer, maybe even delivery driver. But one role that shouldn’t stress you out? Health insurance planner.Whether you’re a full-time freelancer, small business owner, or independent contractor, the good news is that there are smart ways to save money on health insurance in 2025 without sacrificing coverage.

When you’re shopping for life insurance, most people focus on the basics: term or whole life, coverage amount, and monthly premium. But here’s where you can really fine-tune your protection—life insurance riders. These optional add-ons let you customize your policy so it fits your life, your family, and your future.

When people think about life insurance, they usually picture protecting their family’s income or covering funeral costs. But in 2025, more families are waking up to one of its most powerful uses—life insurance as an estate planning tool.Whether you’re looking to manage estate taxes, protect your legacy, or make sure your loved ones are financially secure, life insurance can play a huge role in your estate plan.

If you’ve ever applied for life insurance and wondered how they come up with your premium, you’re not alone. Whether you’re shopping for term life insurance, whole life insurance, or something in between, the amount you pay each month (aka your premium) is based on a handful of key factors.

Getting hit with a massive medical bill you weren’t expecting? You’re not alone—and you don’t have to just accept it. The truth is, medical billing errors are way more common than most people think, and if you know how to spot them(and use your Explanation of Benefits the right way), you can often reduce your out-of-pocket costs big time.