Insurance Insights & Guides

Why 100M Americans Lack Life Insurance, and RI Is No Exception

More than 100 million Americans are uninsured or underinsured for life insurance, and a LIMRA study shows 3 in 4 overestimate the cost. The real barrier isn't price—it's a number nobody ever checks.

The Final Bill Rhode Island Families Don't See Coming

The median funeral now costs $8,300 and lands on your family in days. The real math — and why waiting costs more.

The Medicare Penalty Clock Most Rhode Islanders Don't Know Is Ticking

Miss your enrollment window and the penalty never stops. The real numbers, and how to find your deadline.

Life Insurance (24 articles)

Life Insurance Beneficiaries: Common Mistakes to Avoid

Avoid costly beneficiary errors on your life insurance policy.

Life Insurance for Diabetics: Yes, You Can Get Coverage

Diabetes does not have to mean uninsurable. Learn which carriers offer the best rates.

Life Insurance for Self-Employed Rhode Islanders

Self-employed? You need life insurance more than anyone. Here is how to get covered.

Life Insurance for Stay-at-Home Parents: Why It's Essential

Stay-at-home parents provide irreplaceable value. Life insurance protects that contribution.

Term Life vs Whole Life Insurance: The Honest Comparison

An honest breakdown of term vs whole life insurance. Which one is right for you?

The True Cost of Waiting to Buy Life Insurance

Real numbers show how much more you will pay by waiting even a few years.

How Much Life Insurance Do RI Families Really Need?

Calculate the right amount of coverage for your Rhode Island family.

No Medical Exam Life Insurance: Who Actually Qualifies?

Skip the exam and still get covered. Find out if you qualify.

Guaranteed Acceptance Life Insurance: The Pros and Cons

No questions asked coverage sounds great, but here is what you need to know first.

The Hidden Burden of No Life Insurance

What really happens to families left without life insurance coverage.

Million Dollar Debt: What Happens When You Die

Debt does not disappear when you die. Learn who pays and how to protect your family.

Tess Holliday's Life Insurance Denial Sparks Urgent Conversation

What her denial means for millions who face similar challenges getting covered.

8 Best Life Insurance Companies of April 2026

Top-rated life insurance companies ranked by coverage, price, and customer satisfaction.

Suze Orman: $2 Million Not Enough Life Insurance

Why Suze Orman says most families are dangerously underinsured.

Home Security vs Life Insurance

Which protects your family better? The surprising comparison.

Buy a Rolex, Go Into Debt: Life Insurance Perspective

Luxury spending vs protecting your family. Where should your money go?

Is That Expensive Steak Worth It vs Life Insurance?

What one dinner costs compared to a month of life insurance coverage.

$3 Million Ferrari Crashed: Is Your Family Insured?

People insure supercars but not their families. Time to rethink priorities.

$9 Million Supercar Crash: What Is Your Family Worth?

If a car is worth insuring for millions, what about the people you love?

WhistlinDiesel Destroyed a Ferrari: Is Your Family Worth More?

A viral moment that raises a serious question about family protection.

MrBeast Helps Strangers: But Are You Helping Your Family?

Generosity starts at home. Make sure your family is protected first.

88-Year-Old Veteran's GoFundMe: A Life Insurance Wake-Up Call

No veteran should need a GoFundMe. Life insurance prevents this.

Inflation's Toll on Military Families

How insurance can provide stability when inflation erodes military pay.

Community Rallies for Dabney Family: A Wake-Up Call

When a community has to fundraise for funeral costs, something has gone wrong.

Medicare (13 articles)

Medicare Enrollment Periods Explained

A complete guide to every Medicare enrollment period you need to know.

Medicare Enrollment in Rhode Island

Everything Rhode Islanders need to know about Medicare enrollment.

Medicare Open Enrollment Mistakes RI Makes Every Year

Avoid the most common mistakes during Medicare open enrollment season.

Missed Medicare Enrollment: What You Need to Know Now

Missed your window? Here are your options and how to minimize penalties.

What Happens If You Miss Your Medicare Deadline?

Permanent premium penalties and coverage gaps. Learn how to protect yourself.

Medicare Supplement Plan G vs Plan N

Which Medigap plan saves Rhode Islanders the most money?

Medicare Supplement vs Medicare Advantage

The key differences that determine which plan is right for your situation.

Medicare IRMAA: Income-Related Premium Guide

How your income affects Medicare premiums and what you can do about it.

Medicare IRMAA: Will You Pay More Based on Income?

Income thresholds that trigger higher Medicare premiums explained.

Medicare Part D Enrollment Trends for 2026

Key changes and trends in prescription drug coverage for 2026.

How to Choose the Right Prescription Plan

Step-by-step guide to selecting the best Part D plan for your medications.

What Happens to Your Spouse's Medicare When You Die?

Critical information about spousal Medicare coverage after a death.

How Drug Pricing Deals Impact Your Future Healthcare

What recent drug pricing negotiations mean for your Medicare coverage.

Final Expense (10 articles)

5 Things to Know Before Buying Final Expense Insurance

Essential facts before purchasing final expense coverage in Rhode Island.

Why Final Expense Claims Pay Faster

Final expense policies pay claims faster than traditional life insurance. Here is why.

Pre-Planning Your Funeral: A Complete RI Guide

Everything you need to know about pre-planning funeral arrangements in Rhode Island.

Providence Funeral Homes: Average Costs

Current funeral home costs in Providence and what families should expect.

Newport and Aquidneck Island Funeral Planning Guide

Complete guide to funeral planning and costs in Newport County.

Warwick and Cranston Cemetery Costs: 2025 Price Guide

Updated cemetery and burial plot pricing for Warwick and Cranston.

The Real Cost of Dying in New England

Funeral and burial costs across New England states broken down.

Burial vs Cremation in New England

Comparing costs, traditions, and options for burial and cremation.

Green Burial Options in Rhode Island

Eco-friendly burial alternatives available in Rhode Island.

Veterans Burial Benefits in RI: Complete 2025 Guide

All veteran burial benefits available in Rhode Island explained.

Financial Planning (11 articles)

Estate Planning Basics Every Rhode Islander Should Know

Essential estate planning steps to protect your family and assets.

The Celebrity Wake-Up Call: Why Estate Planning Can't Wait

Celebrity estate disasters that prove why planning ahead matters.

Embracing AI in Retirement Planning

How AI is transforming retirement planning and financial strategy.

The Financial Cliff After Obamacare

What happens when subsidized coverage ends and health costs rise.

Caregivers: Balancing Family Support and Retirement

How caregivers can protect their own retirement while supporting family.

Rising Healthcare Costs in Retirement

The healthcare cost crisis facing retirees and how to prepare.

Financial Cooling: Inflation and Retirement Planning

How cooling inflation impacts your retirement strategy.

Fed Rate Cuts June 2026: Insurance Strategy

How anticipated rate cuts affect insurance and financial planning.

The Retirement Wall 2026: Rising Costs and Protection

Why 2026 is a critical year for retirement cost planning.

RI Senior Centers: Medicare and Insurance Resources

Local senior centers offering free Medicare and insurance help.

Senior Centers in Rhode Island

A complete directory of Rhode Island senior centers and their services.