Richard Parslow

Hybrid Life Insurance for Millennials & Gen Z: 2026 Guide

Understand hybrid life insurance, living-benefit riders, long-term care features, costs, tax limits, and questions to ask before buying.

2026 Life Insurance Guide to Policy Provisions & Regulations

Review common life insurance policy provisions, free-look and replacement issues, incontestability, consumer reports, and selected tax topics using primary sources.

Life Insurance Next Steps: What to Do After Buying a Policy (2026)

Use this practical checklist to review your issued life insurance policy, confirm beneficiaries, protect records, maintain payments, and plan annual reviews.

Accelerated Underwriting in Life Insurance: Benefits Explained

Understand accelerated underwriting, the data insurers may review, potential benefits, limitations, and when an exam may still be required.

Employer vs. Personal Life Insurance: Key Differences

Written and reviewed by Richard Parslow, Texas-licensed independent life insurance agent | Reviewed and last updated: September 25, 2026. Life insurance through work can be a useful and affordable benefit, but it is not automatically a complete plan for every household. Individually owned life insurance is separate from your job and may offer more control, […]

How Life Insurance Underwriting Works: Key Factors Explained

Learn how life insurers assess health, age, lifestyle, occupation, finances, prior records, and coverage amount when determining eligibility and rates.

Why Life Insurance Quotes Can Exceed Advertised Rates

Learn why advertised life insurance prices can differ from final written offers, what underwriting evidence may change, and how to compare quotes accurately.

Understanding Your MIB Consumer File: How It Can Affect Life Insurance Underwriting

Learn what MIB Consumer Files may contain, how life insurers may use them, when to request your file, and how to dispute inaccurate information.

2025 Life Insurance Stats: Decoding the Truth for Your Family

Verified 2025 life insurance statistics on ownership, the coverage gap, and U.S. sales, with practical guidance for evaluating a family’s needs.

Laddering Life Insurance Policies: How the Strategy Works

Learn how laddering life insurance policies works, when it may fit, its limitations, and how to compare actual term-life proposals.