Owning a home is one of the largest financial commitments many individuals or families will ever make. Regardless of whether the household consists of young children, couples, or single occupants, life insurance is a crucial financial tool for protecting this investment and providing peace of mind. Here’s why life insurance is essential and how term
The Tax Cuts and Jobs Act (TCJA) effectively doubled the unified federal gift and estate tax exemption — and annual inflation adjustments have boosted it even further. For individuals who make gifts or die in 2025, the exemption amount is $13.99 million ($27.98 million for married couples). Under the TCJA, the exemption amount is scheduled to revert
A Difference in Conditions (DIC) policy covers risks excluded from standard property insurance policies. They fill gaps left by primary insurance, providing coverage for unpredictable and severe catastrophic events. Who Needs a DIC Policy? DIC policies benefit property owners in high-risk areas prone to natural disasters or businesses needing broader coverage for specific risks
