Smart Resources for Better Choices
Get expert-backed insights to guide your financial and insurance choices.
Estate Strategies
Most Americans Don’t Have a Will — Here’s Why Yours MattersAccording to Trust & Will’s 2026 Estate Planning Report, 56% of U.S. adults have no estate planning documents at all — including a will. That means the majority of families leave their loved ones without clear instructions about who gets what, who should care for minor children, or how final wishes should be carried out.Without a will, state intestacy laws decide everything. This can create family conflicts, lengthy probate delays, unnecessary legal fees, and outcomes that don’t match what you would have chosen. A simple, properly drafted will gives you control, protects your loved ones, names guardians for children, and brings real peace of mind. It’s one of the most important — and overlooked — financial decisions you can make.
Life Insurance Protection
The Life Insurance Gap: Uninsured, Underinsured, or Wrong CoverageRecent LIMRA data shows that only about 51% of American adults own any life insurance, and a record 42% (roughly 102 million people) say they either have none or don’t have enough. Many who do have coverage rely solely on employer group policies that often end when you leave your job — or provide far less protection than their family actually needs.Others have the wrong type of policy altogether: too little coverage to replace lost income, pay off debts, or fund future goals like college or a mortgage. The result? Families left struggling financially at the worst possible time.The right life insurance — in the right amount and of the right type — is one of the most effective ways to protect the people who depend on you. It’s not just about “if something happens.” It’s about making sure your family can keep living the life you’ve built together.