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Guides that give you a number, not a brochure

Every guide is written by people who sell this coverage and reviewed by a licensed producer. Where a product is a bad deal for most people, we say so.

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24 guides 3 interactive calculators Reviewed by licensed producers

Life insurance

Life insurance

10 min read

How much life insurance do I need?

How much life insurance do you need? Run the DIME method, the 10x income rule and a full needs analysis, with worked examples and…

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10 min read

Life insurance beneficiary mistakes

The beneficiary mistakes that delay or redirect a life insurance payout: minors, ex-spouses, naming your estate, per stirpes vs.…

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10 min read

Life insurance for new parents

Life insurance for new parents: how much coverage a baby changes, term length matched to age 22, coverage for a stay-at-home parent…

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10 min read

The life insurance medical exam

What the life insurance medical exam measures, what your labs flag, how to prepare in 48 hours, plus the MIB, prescription and…

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11 min read

Life insurance with pre-existing conditions

Get life insurance with pre-existing conditions. Typical rate classes for diabetes, depression, cancer history, high BMI and sleep…

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9 min read

No-exam life insurance, explained

No-exam life insurance in 2026: accelerated underwriting limits up to $5 million, real cost versus a paramedical exam, who…

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10 min read

Term vs. whole life insurance

Term vs. whole life insurance compared with 2026 premiums, cash value math, honest IRR numbers and a fair look at buy term and…

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Health insurance & Medicare

Health insurance & Medicare

11 min read

ACA subsidies explained

How ACA premium tax credits work for 2026: FPL income bands, the benchmark silver plan, cost-sharing reductions, the 400% cliff and…

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10 min read

How much does health insurance cost?

What health insurance costs in 2026: marketplace premiums by age and tier, employer plan cost sharing, subsidy math and family…

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10 min read

HSA plan vs. PPO: which one wins?

Compare an HDHP with an HSA against a PPO using 2026 contribution limits, deductible minimums and break-even math on your expected…

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12 min read

Medicare Advantage vs. Medigap

Compare Medicare Advantage and Medigap for 2026: networks, out-of-pocket limits, Plan G premiums, underwriting rules and total cost…

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9 min read

Short-term vs. ACA health insurance

Short-term health plans cost less but exclude pre-existing conditions and maternity. Compare 2026 duration rules, price gaps and…

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11 min read

When should you enroll in Medicare?

Your Medicare enrollment window, rules for working past 65, the HSA contribution stop date, and what Part B and Part D late…

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Car insurance

Car insurance

10 min read

How much car insurance do I need?

How much car insurance you need in 2026: why 100/300/100 limits beat state minimums, when to add UM/UIM, and how to size…

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10 min read

How to lower your car insurance premium

Fourteen ways to lower your car insurance premium in 2026, with real percentage savings for telematics, deductibles, bundling…

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9 min read

SR-22 insurance explained

What an SR-22 really is, what triggers one, filing fees, how long it lasts, premium impact by violation, plus non-owner filings and…

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Home & renters

Home & renters

10 min read

Do I need flood insurance?

Do you need flood insurance? Flood zones, NFIP vs private policies, Risk Rating 2.0 pricing, the 30-day waiting period and coverage…

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10 min read

How much homeowners insurance do I need?

How much homeowners insurance you need: rebuild cost vs market value, Coverage A through F limits, replacement cost endorsements…

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9 min read

Is renters insurance worth it?

Is renters insurance worth it? Typical cost is about $14 to $15 a month for contents, liability and loss of use. What it covers…

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10 min read

What does homeowners insurance cover?

What homeowners insurance covers and excludes: HO-3 open and named perils, flood and earth movement, water damage nuance, sublimits…

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Retirement & financial planning

Retirement & financial planning

10 min read

Financial advisor fees explained

Financial advisor fees explained with real AUM tiers, flat and hourly rates, fund costs and the 30-year math on 1%, so you can…

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11 min read

How much do I need to retire?

How much do you need to retire? Use 2026 Social Security and withdrawal-rate data, the 4% rule and replacement ratios to size your…

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11 min read

How to choose a financial advisor

How to choose a financial advisor: fiduciary vs suitability, Reg BI, CFP and CFA credentials, reading Form ADV and BrokerCheck…

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11 min read

Roth conversion basics

Roth conversion basics with 2026 brackets and IRMAA thresholds: how bracket filling works, the pro-rata and 5-year rules, and when…

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