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Ideas & Education

Insurance ideas & insights
from the experts

Practical guides, real numbers, and clear answers — helping you make smarter decisions about life insurance, disability, long-term care, and retirement income.

📈 Annuities🎓 Education

Annuities Guide 2026

Scott Karstens ⏱ 14 min
🛡️ Disability💡 Ideas

Disability Insurance Guide 2026

Scott Karstens ⏱ 14 min
🏠 Long-Term Care🎓 Education

Long-Term Care Insurance Guide 2026

Scott Karstens ⏱ 18 min
❤️ Life Insurance💡 Ideas

Protecting Your Insurability: Buy Life Insurance When You're Young and Healthy

Scott Karstens ⏱ 1 min
❤️ Life Insurance🎓 Education

15 Year Term Life Insurance

Scott Karstens ⏱ 6 min
❤️ Life Insurance🎓 Education

20 Year Term Life Insurance

Scott Karstens ⏱ 7 min
❤️ Life Insurance💡 Ideas

6 Myths About Buying Life Insurance

Drew Gurley ⏱ 2 min
🪙 Retirement Planning❤️ Life Insurance💡 Ideas🎓 Education

Tax-Free Retirement Guide 2026

Scott Karstens ⏱ 16 min
❤️ Life Insurance🎓 Education

10 Year Term Life Insurance

Scott Karstens ⏱ 7 min
❤️ Life Insurance💡 Ideas

Divorcing? Don't Forget to Update Your Life Insurance

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Education Fund: Peace of Mind for Your Child's Future

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Estate Planning: The State Taxation of High Estates

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Foster families and life insurance: What you need to know

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

How Life Insurance Can Equalize Inheritance Among Your Heirs

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

How long will my savings last after the loss of a spouse or life partner?

Scott Karstens ⏱ 1 min
❤️ Life Insurance🎓 Education

How Much Life Insurance Do I Need?

Scott Karstens ⏱ 8 min
❤️ Life Insurance💡 Ideas

How to Calculate Debt to Determine How Much Life Insurance You Need

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

How to calculate education expenses when determining how much life insurance you need

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

How to calculate income replacement when determining how much life insurance you need

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

How to calculate mortgage expenses when determining how much life insurance you need

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Using Life Insurance for Income Replacement

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance and Credit Card Debt: A Love Story?

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance and Special Needs Trusts: A Match Made in Heaven?

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Protecting Your Treasures: Life Insurance for Families with Adopted Children

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance For Families with Two Dads

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance for Families with Two Moms

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance for Grandparent Raising Grandchildren

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance is Life Changing

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance – The Easier Way To Give Back

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Life Insurance When Retirement Plans Fall Apart

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Mortgage Replacement Plans: The Easiest Way to Protect Your Family

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Navigating the Finances of a Deceased Loved One

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Pass the Life Insurance, Please!

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

People who need life insurance overestimate its costs by nearly 300%

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Student Debt No More: Using Life Insurance to Pay Off Your Student Loans

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

The Benefits of Using Life Insurance to Maximize Your Charitable Giving

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

The Facts about Life Insurance and Federal Estate Tax

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

The Life Insurance Way to Build an Estate

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

The New Life Insurance: A look at the Disability Income Rider

Scott Karstens ⏱ 2 min
❤️ Life Insurance💡 Ideas

The Value of Buying Life Insurance Young

Scott Karstens ⏱ 2 min
❤️ Life Insurance💡 Ideas

Using Life Insurance for Special Bequests

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Using Life Insurance to Pay Off Auto Loans

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

What is an agent less process?

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

What is life insurance for burial and final expenses?

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Love and Life Insurance: What to Do When You're In a Second Marriage

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Why Life Insurance Makes You Feel (and Be) More Financially Secure

Scott Karstens ⏱ 1 min
❤️ Life Insurance💡 Ideas

Why You Should Create An Emergency Fund – With Life Insurance!

Scott Karstens ⏱ 1 min
❤️ Life Insurance📜 Estate Planning

State Estate & Inheritance Tax Guide

Scott Karstens ⏱ 14 min
❤️ Life Insurance💡 Ideas

Mortgage Replacement Life Insurance

Scott Karstens ⏱ 4 min
🛡️ Disability🎓 Education

What Is Disability Insurance?

Scott Karstens ⏱ 4 min
📈 Annuities🎓 Education

What Is an Annuity?

Scott Karstens ⏱ 5 min
❤️ Life Insurance🎓 Education

What Is Life Insurance? A Plain-English Guide

Scott Karstens ⏱ 5 min
🏠 Long-Term Care🎓 Education

What Is Long-Term Care Insurance?

Scott Karstens ⏱ 5 min