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September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.*

If you don’t have any life insurance, you’re not alone. Life insurance is one of those “someday” things for many people – but the cheapest time to buy it is probably today.

There are two kinds of life insurance: term and permanent. Additionally, there are three kinds of permanent life insurance: whole, universal, and variable.

How do these forms of life insurance differ, and how do you find out which type of coverage is right for you? Ask us!

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/// Posted by Aviva Sapers & Ken Vacovec This blog is co-authored by Aviva Sapers, CEO of Sapers & Wallack,  and Kenneth J. Vacovec, Founding Partner of Vacovec, Mayotte & Singer. For many Green Card holders or US citizens who own … Continue reading

Aviva Sapers, CEO & President at Sapers & Wallack, and Ken Vacovec, Founding Partner of Vacovec, Mayotte & Singer, answer questions about our July blog. For many Green Card holders or US citizens who own property or assets abroad, the eventual … Continue reading

Holly Knight, Director of Retirement Outcomes at Sapers & Wallack answers  questions about our June blog, How to Utilize Technology Tools to Boost Financial Wellness  

Scott Tuxbury, Vice President and Leader for the Retirement and Wealth Management Practices at Sapers & Wallack answers  questions about our May blog, Contributing to an emergency Savings Account Through Payroll Deduction.  

I have worked in the financial services industry with life insurance products and estate planning for over 25 years, and in that time, I have had the opportunity to help many families file policy claims as they settle the estates … Continue reading

Kristen Maalouf, Executive Assistant of C-Suite Financial Services at Sapers & Wallack answers questions about our February blog, “Estate Planning To-Do-List – No Matter What Stage of Life You Are At”.

Scott Tuxbury, Vice President and Leader for the Retirement and Wealth Management Practices at Sapers & Wallack answers  questions about our January blog, Using Life Insurance to Offer Diversified, Tax-Advantaged Retirement Savings  

As with all industries, the insurance market has been greatly affected by the COVID-19 pandemic—particularly around the practice of underwriting. For the uninitiated, Life Insurance Underwriting is the method through which insurers evaluate the risk of potential buyers in order … Continue reading

Historically, there are many who do not purchase Long-Term Care (LTC) Insurance despite the increasing likelihood that prolonged financially debilitating needs for care may arise at some point in our future. Older Americans and nursing facilities being hit so hard … Continue reading