Articles by Richard Parslow
Understanding Life Insurance Living Benefits for Seniors
A contract-review guide for seniors comparing life insurance living benefits: claim triggers, usable cash, remaining family protection, and tax considerations.
The Truth About Whole Life Insurance: Costs, Cash Value, and Smarter Alternatives
Compare whole life insurance costs, cash value, policy loans, and lapse risks. See when term or hybrid coverage may fit better.
The Financial Impact of Losing a Breadwinner: Protect Your Family
Losing a parent triggers a sudden financial crisis. Discover the hidden costs of losing a primary breadwinner, secondary earner, or stay-at-home parent. Learn how strategic life insurance, mortgage protection, and living benefits can solve these cash flow problems and secure your family’s future.
How to Use Life Insurance to Preserve Your Family’s Quality of Life
A practical, sourced guide to using life insurance to preserve household cash flow, housing stability, caregiving support, and family decision-making time after a loss.
Return of Premium Term Life Insurance: Is It Worth the Higher Cost?
Return of premium term life insurance is a higher-premium term policy with a conditional refund feature. Learn how ROP works, what to compare, and what contract limits to review.
Life Insurance for Diabetics in Texas
Learn how diabetes history, A1C trends, treatment records, complications, consumer reports, and carrier rules may affect life insurance underwriting in Texas.
Life Insurance and High Blood Pressure in Texas
Learn how high blood pressure may be reviewed in Texas life insurance underwriting, including records, medication history, consumer reports, and preparation steps.
Life Insurance Rates for Smokers in Texas
Learn how tobacco and nicotine use can affect life insurance underwriting in Texas, what cotinine testing shows, and why pricing and reconsideration rules vary.
Survivorship Life Insurance: Costs, Trusts & Taxes
A neutral guide to survivorship life insurance, trust ownership, estate-inclusion rules, policy funding risk, and IRS reporting issues that require attorney and CPA review.
Does SSDI Disqualify You From Life Insurance?
Written and reviewed by Richard Parslow, Texas-licensed independent life insurance agent | Reviewed and last updated: September 25, 2026 Receiving Social Security Disability Insurance (SSDI) does not automatically disqualify you from buying private life insurance. SSDI and life insurance underwriting answer different questions. SSDI looks at whether a person meets Social Security’s disability rules and […]