The Insurance Guy

04/07/2026

Hey! Quick question ... how is your 401k doing?

01/12/2026

Me posting this just in case any of my childhood friends want to learn about life insurance. 👀

11/13/2025

5 Benefits of Life Insurance: (1) Helps your family pay bills, (2) Ensures your children's dreams, (3) Allows your family time to grieve, (4) Protects the ones you love financially, and (5) Has living benefits you can use while you're alive.

11/11/2025

07/04/2025

Key man insurance, also known as key person insurance, is a type of life insurance policy that a company purchases on the life of an essential employee, such as a founder, owner, or top executive. The business owns the policy, pays the premiums, and is the beneficiary of the policy's death benefit. If the key person dies, the business receives the insurance payout, which can help mitigate financial losses and ensure business continuity.

06/13/2025

Children’s life insurance can help with a few key things: guaranteeing your child’s future insurability, forming a fund for major expenses later in life through the cash value and providing a death benefit if needed.

06/11/2025

The life insurance coverage you have through your employer is usually only 1-2 times your salary and that won't be enough to cover your final expenses, ongoing expenses for your family, outstanding debts, and future expenses.

08/11/2024

So many Americans are in the same boat!

There are ways to begin setting yourself up in safe, secure vehicles.

DM for more info

08/09/2024

It’s not difficult to make your child or grandchild a TRUST FUND BABY!

1. Obtain a 500k life insurance policy from me 😉

2. Create an “INSURANCE trust” w Attorney

3. Upon your passing the 500k or other amount is distributed to the trust;

4. The trust agreement directs the trustee to invest 300k in an index fund;

5. The other money invested or saved in a high yield account;

6. Your child receives the INCOME from the investments or 30k year, whichever is greater;

7. Up to 10% of principal can be loaned to your child for a home purchase or for starting a business;

8. Upon the passing of your child, the trust passes to your grandchildren!

YOU NOW HAVE A TRUST FUND BABY!

Attorney Ernest B. Fenton SPEAKS

08/09/2024

Did you know...

A viatical settlement is when someone with a terminal or chronic illness sells their life insurance policy to a third party for a cash payment that's less than the full death benefit. In exchange, the seller gives up ownership and beneficiary rights to the policy, but the buyer continues to pay premiums until the insured dies. The seller usually receives the payment immediately, and viatical settlements are often tax-free.

07/18/2024

Most small businesses are woefully under insured... Don't worry, it's not your fault! No one knows what they don't know!
-We can help!