Clyde Constant-Bankers Life Agent

08/28/2026

It sounds like legal jargon, but it’s actually about your grandkids. If one of your children predeceases you, does their share go to their kids (per stirpes) or get split among your surviving children (per capita)? Most people don’t know—and it matters. Call me today to review your life insurance options.

08/26/2026

Our most savvy clients draw down their IRAs during their lifetime—and leave life insurance to their heirs. Why? Because life insurance is tax-free, probate-free, and beneficiary-friendly. IRAs are… none of those things. Call me today to review your life insurance options. bankerslife.com/life-insurance

08/25/2026

Retirement planning should account for every stage of retirement—including the possibility of navigating it alone. This Forbes article highlights some often-overlooked financial considerations for the "solo years" and why planning ahead matters.

Many solid retirement plans fall apart during the solo years after one spouse passes away, because the plans do not account for key changes.

08/21/2026

Would you hand an 18-year-old $500k in cash? If your grandchildren are minors and listed as beneficiaries, that’s exactly what could happen. A trust can control when and how they receive funds—protecting them from themselves. Call me today to review your life insurance options.

08/17/2026

Here’s a phrase our smartest clients live by: “Control the money, control the house.” With the right life insurance strategy, just 3% of your assets can offset income taxes, protecting 100% of your legacy. That’s not spending, that’s smart planning. Call today to see how life insurance can work for you.
bankerslife.com/life-insurance

08/10/2026

Is Uncle Sam poised to take a big slice of what you meant for your family? Depending on how your accounts are structured, heirs can face taxes on certain inherited assets. With the right planning, more of what you’ve built can go to the people who matter most. Call me today to review your life insurance options. bankerslife.com/life-insurance

08/05/2026

Never name your estate as your life insurance beneficiary. Why? It forces the payout through probate, which means —delays, legal fees, and public records. Life insurance should go directly to people, not through courts. Call me today to review your life insurance options.

08/03/2026

If you’ve improved your health—quit smoking, lost weight, managed your diabetes—you might qualify for better rates. But you have to ask. Policies don’t automatically adjust. Let’s see if you’re leaving money on the table. Call me today to review your life insurance options.

07/29/2026

Want to leave a legacy to your church without shortchanging your kids? Here’s how: Name your church as the beneficiary of your IRA—since they won’t pay taxes on it—and use life insurance to provide a tax-free benefit for your family. Call me today to review your life insurance options.
bankerslife.com/life-insurance