The Insurancy Blog
Insights that make insurance simple
264 expert guides, company reviews and original studies. Written and reviewed by licensed insurance agents.
Category:All articles264
Car InsurancePulled Over While High on Marijuana? What to Do Next
If you get pulled over while high on marijuana, stay calm, keep your answers short, and do not consent to a vehicle search. Every state can charge drugged driving as a DUI - including states where marijuana is legal - and some use zero-tolerance or per se THC limits. If you are arrested or charged, contact a defense attorney experienced with marijuana DUI cases right away.
Brian Sloan•Updated Jul 2026
Car InsuranceWhat to Do When You Get in a Car Accident - 8 Steps
After a car accident, check for injuries first, call the police even for minor crashes, exchange information, photograph the scene, seek medical attention, and notify your insurance company promptly. NHTSA counted 42,514 traffic fatalities in 2022, and a calm, documented response protects both your health and your claim.
Brian Sloan•Updated Jul 2026
Car InsuranceWhy Compare Auto Insurance Quotes Online Before You Buy
Comparing auto insurance quotes online is the fastest way to see how much rates vary between companies for the exact same driver - often by hundreds of dollars a year. Online quotes are free, generally accurate if you enter honest information, and comparison tools can pull multiple company rates at once.
Brian Greenberg•Updated Jul 2026
Car InsuranceRental Car Insurance - Do You Need It and What It Covers
Rental car insurance covers liability and damage while you drive a rental, but you may not need to buy it at the counter - your personal auto policy often extends to rentals, and many credit cards include complimentary rental coverage. Check both before paying for duplicate protection.
Brian Greenberg•Updated Jul 2026
More GuidesPersonal Loan Protection Insurance - Is It Worth It?
Personal loan protection insurance is a policy sold with a personal loan that pays some or all of the balance if you die, become disabled, or in some cases lose your job. It is convenient, but a standard level term life policy paired with disability insurance usually delivers more coverage per dollar and follows you across every debt, not just this one loan.
Brian Greenberg•Updated Jul 2026
Life InsuranceAdjustable Life Insurance - How It Works and Who It Fits
Adjustable life insurance is a form of permanent coverage where you can change the death benefit, premium payments, and cash-value schedule as your finances shift. It offers more flexibility than whole life and can adapt to new dependents, higher income, or a paid-off mortgage, in exchange for closer attention to funding and periodic reviews.
Brian Greenberg•Updated Jul 2026
Life InsuranceBenefits of Using an Independent Life Insurance Agency
An independent life insurance agency is licensed with many carriers rather than one, which lets it compare quotes and underwriting for the same applicant across dozens of insurers. Independent agents also stay with you across policy events like beneficiary changes, conversions, and claims, and they save time and money for buyers with complicated health, occupation, or coverage needs.
Brian Greenberg•Updated Jul 2026
Life InsuranceBrian Greenberg - Million Dollar Round Table Member
Insurancy founder and CEO Brian Greenberg has been a member of the Million Dollar Round Table (MDRT) since 2013. MDRT is the premier global association for life insurance and financial services professionals, and membership is limited to about the top 1 percent of advisors worldwide.
Brian Greenberg•Updated Jul 2026
Life InsuranceDave Ramsey on Life Insurance - What He Recommends
Dave Ramsey recommends level term life insurance in the amount of 10 to 12 times your annual income for a term long enough to cover the years your family depends on you. He is famously against whole life and universal life. His advice is sound for most middle-class families but leaves gaps for buyers with estate, business, or long-horizon legacy goals.
Brian Greenberg•Updated Jul 2026
Life Insurance21 Life Insurance Myths Debunked - What Is Actually True
Life insurance is one of the most misunderstood products in personal finance. This guide takes the 21 most common myths, from "term life is a waste of money" to "I am too young to need it," and answers each one with what the industry actually does. Most families are underinsured because of one of these myths.
Brian Greenberg•Updated Jul 2026
Life InsuranceDisability Income Rider on Life Insurance - How It Works
A disability income rider adds a monthly cash benefit to your life insurance if you become totally disabled and cannot work. It is usually a fixed dollar amount (often 1 percent of the face amount per month) paid for a set period after an elimination period. It is a cheap add-on for basic income protection but is not a substitute for a full disability insurance policy.
Brian Greenberg•Updated Jul 2026
Life InsuranceIndexed Universal Life Insurance Guide - IUL Explained
Indexed universal life insurance is a permanent policy that credits cash-value growth based on the performance of a stock index like the S&P 500, subject to a floor and a cap. IUL gives more upside than whole life without direct market losses, plus flexible premiums, but caps, participation rates, and policy charges make it a long-horizon product, not a market fund.
Brian Greenberg•Updated Jul 2026
Life InsuranceIs Life Insurance Worth It? When It Is and When It Is Not
Life insurance is worth it when someone depends on your income or the work you do, including a spouse, kids, a business partner, or an aging parent. Term life is inexpensive during the years of highest need, permanent life fits a smaller set of estate, business, and legacy goals, and going without coverage leaves your family exposed to the lump-sum shock of a lost income.
Brian Greenberg•Updated Jul 2026
Life InsuranceIs Primerica a Pyramid Scheme? What to Know Before Buying
Primerica is a publicly traded life insurance company (NYSE: PRI) that sells through a multi-level marketing (MLM) sales force. It is not a pyramid scheme in the legal sense because it sells a real product, but its MLM structure means most recruits never earn meaningful income and its term life prices tend to run above independent-agent quotes for the same face amount. Comparing quotes elsewhere is smart before signing up.
Brian Greenberg•Updated Jul 2026
Life InsuranceLife Flight Insurance - Air Ambulance Membership Explained
Life Flight and other air-ambulance memberships cover the balance-billing gap that health insurance often leaves behind after an emergency medical flight. A single air-ambulance trip can bill $40,000 or more, and membership plans keep the out-of-pocket cost predictable for a small annual fee. It is a niche protection worth considering if you live in a rural area or travel remote regions.
Brian Greenberg•Updated Jul 2026
Life InsuranceMortgage Life Insurance - Do You Need It? Alternatives
Mortgage life insurance is designed to pay off your home loan if you die during the mortgage term. The benefit shrinks with your loan balance and the lender is typically the beneficiary. A standard level term policy usually costs less, covers more, and lets your family choose how to spend the payout, which is why most buyers pick term over mortgage life.
Brian Greenberg•Updated Jul 2026
Life InsuranceMutual of Omaha Cancer, Heart Attack, and Stroke Insurance
Mutual of Omaha sells a supplemental critical illness policy that pays a lump-sum cash benefit if you are diagnosed with cancer, a heart attack, or a stroke. The benefit is paid directly to you and can cover deductibles, income gaps, or non-medical expenses. It is designed to fill the cost gaps that major medical insurance leaves after a serious diagnosis.
Brian Greenberg•Updated Jul 2026
Life InsuranceAccelerated Death Benefit Rider - How It Works
An accelerated death benefit rider lets you withdraw part of your life insurance death benefit early if you are diagnosed as terminally ill, and often for critical or chronic illness too. Most modern policies include the rider at no extra cost, and the withdrawal is generally income-tax-free. It turns your life insurance into a source of funds while you are still living.
Brian Greenberg•Updated Jul 2026
Life InsuranceLong-Term Care Rider on Life Insurance - How It Works
A long-term care rider on a life insurance policy lets you use part of your death benefit to pay for qualified long-term care costs like a nursing home, home health aide, or assisted living. It builds LTC coverage into a policy you would already own, and unlike stand-alone LTC insurance, the death benefit still pays out to your family if you never need care.
Brian Greenberg•Updated Jul 2026
Life InsuranceSimplified Issue Whole Life Insurance - No Exam, Lifelong
Simplified issue whole life insurance skips the medical exam and asks a short set of health questions instead, then locks in a fixed premium and a lifelong death benefit with cash value. It fits buyers who want permanent coverage without waiting weeks for underwriting, though prices run higher than fully underwritten policies for the same face amount.
Brian Greenberg•Updated Jul 2026
Life InsuranceWashington State Long-Term Care Tax (WA Cares) Explained
Washington State charges a 0.58 percent payroll tax through the WA Cares Fund to pay for a $36,500 lifetime long-term care benefit for eligible workers. Workers who owned private long-term care coverage before November 1, 2021 could apply for a permanent opt-out, and specific groups such as veterans with disabilities and out-of-state workers can also be exempt. Understanding the rules helps Washington residents plan their care.
Brian Greenberg•Updated Jul 2026
Life InsuranceLife Insurance While Pregnant - How to Get Approved
Pregnancy does not disqualify you from life insurance. Insurers review your pre-pregnancy health and weight along with any complications, and the first trimester is generally the easiest window to get approved at your normal rate class. A growing family is exactly when coverage matters most.
Brian Greenberg•Updated Jul 2026
Life InsuranceGroup Life Insurance Through Associations - A Guide
You do not need an employer to get group life insurance: professional, fraternal, and membership associations offer group term and whole life plans to members with simplified underwriting and group pricing. It is a practical route for people without workplace coverage, though group coverage alone is rarely enough for a family's full needs.
Brian Greenberg•Updated Jul 2026
Life InsuranceLife Insurance for Married Couples - Joint or Separate?
Life insurance is a smart move for most married couples, and the first decision is joint versus separate policies. Separate policies pay a benefit at each death and can be sized to each spouse's income, while joint first-to-die or survivorship policies cover two people under one contract but pay only once. Domestic partners can qualify too.
Brian Greenberg•Updated Jul 2026