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Q: How Long Do I Need To Be A Non-Smoker To Qualify For Better Rates?

  Insurance companies typically only require that you go tobacco free for 12 months before offering a non-tobacco use rate. This is not their lowest Preferred Plus rate but still represents a strong...

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Q: Does Dave Recommend Waiver of Premium Riders?

  Dave Ramsey does not recommend purchasing “waiver of premium” riders. As a percentage of cost, the rider is an over priced add-on rider that makes the insurance company a lot of money and rarely...

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Q: Should I Consider A Combined Life And Long Term Care Plan?

The combination of a life and long term care insurance plan is sometimes referred to as a hybrid policy.  These are based on buying a cash value life insurance plan and a rider that allows the cash...

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Q: Should I Keep My Cash Value Plan if I Wouldn’t Save Money by Switching to...

This topic comes up frequently as Dave’s listeners review and plan for their personal and family insurance needs. In an attempt to respond as quickly as possible to the individual needs of Dave’s...

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Q: What is Life Insurance Awareness Month?

September is Life Insurance Awareness Month, and a good time to make sure you have the right life insurance coverage to ensure your loved ones are protected. Studies continue to show many Americans are...

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Can I Have Multiple Life Insurance Policies at the Same Time?

Yes, you can.  However, it is important to understand that the total amount of coverage that you have in place or are applying for must be justifiable based on your income and net worth. If you already...

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How Will COVID-19 (Coronavirus) Affect Life Insurance?

If you already have life insurance, don’t worry. Your life insurance company can’t change your policy. If you aren’t covered yet, you may see minimal changes, particularly if you have recently traveled...

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Should I Convert My Term Policy to a Cash Value Plan?

Dave Ramsey recommends term life insurance plans instead of cash value policies because, if you are working the Baby Steps, you won’t need life insurance for your whole life. By purchasing a 15 or...

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My Term Life Policy Expires Soon but I Still Need Coverage. What Do I Do?

If the amount of coverage you have right now is appropriate but you know you will need it past the expiration of your current plan, then Dave’s recommendation is to get a new policy now to lock in...

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Is There a Benefit to Having Policies with Different Term Lengths?

“Laddering” policies is a common strategy, as many people anticipate needing less life insurance as they get older and are further along in their debt-free journey. This is where the Insured staggers...

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