Real talk: The fact that you're here means something made you think about life insurance. Maybe it was an ad, maybe it was a conversation, or maybe it was one of those 3 AM moments when your brain decides to remind you of all your adult responsibilities. Whatever brought you here, I'm glad you're asking the question. Let's Be Honest About Why You're Really Here Something clicked, didn't it? Maybe it was: The realization that you've been putting this off for months (or years) That moment when you calculated what your family would face without your income The guilt of knowing you're one of the 74 million Americans without life insurance and honestly not knowing what your family would do The confusion about where to even start with all the options out there Here's the thing – you're not alone, and you're not behind. You're actually ahead of most people just by being here and asking the question. The Real Question Isn't if you "...

  Let's be real – buying a home is probably the biggest financial commitment you'll ever make. You've got your down payment, closing costs, moving expenses, and suddenly you're responsible for a mortgage that could take 15-30 years to pay off. But here's the question that keeps me up at night as an insurance agent: What happens to your family and that dream home if you're no longer around to make those payments? What Exactly IS Mortgage Insurance? First, let's clear up some confusion. When most people hear "mortgage insurance," they think of PMI (Private Mortgage Insurance). But there's a critical difference you need to understand. PMI (Private Mortgage Insurance): Protects the LENDER, not you Usually required when you put down less than 20% on a home Typically mandatory if you have a conventional loan Ensures the bank gets paid if you default Typically costs 0.5% to 1% of your loan amount annually YOU pay the premium Provides ZERO protection ...

 As a single parent, you've already proven you can handle anything life throws your way. But there's one conversation most of us keep avoiding - and it's costing 70% of single-parent families their peace of mind. Let's talk about why waiting isn't an option and how protecting your child's future might be more affordable than you think. The Weight of Solo Responsibility Picture this: It's 2 AM, and your child has a fever. You're the only one there to make the decision, drive to the emergency room, and handle whatever comes next. As a single parent, you've mastered the art of being everything to your child - provider, protector, comforter, and decision-maker. But here's a question that might keep you up at night: What happens to your child if something happens to you? If you're feeling uncomfortable right now, you're not alone. This isn't about fear-mongering - it's about facing a reality that 70% of single parents are currently avo...