RJ Gustilo

Tips If You’re Buying Life Insurance For The First Time

• 11 min read

Life may be like a box of chocolates. But buying life insurance is more like ordering coffee at Starbucks, says Faisa Stafford, CEO and president of Life Happens, an industry-funded nonprofit that educates consumers about insurance. There are so many...

Financial Adviser With $2.5 million Of Life Insurance, And Every Cent Of It Is The Same

• 11 min read

Buying life insurance is one of the most important financial decisions anyone can make, yet too many people don't appreciate the gravity of it. Cost is always a factor, as well as the fact that life insurance provides little in the way of...

The Shocking Cost Of Long-Term Care

• 11 min read

Healthcare is a major expense for retirees, but all of those prescription copays and Medicare Part B deductibles might pale in comparison with the price tag attached to long-term care. It's estimated that 70% of seniors 65 and over...

Annuity Vs. 401(k): Understanding The Similarities And Differences

• 11 min read

You’ve got plenty of options for planning out your retirement paycheck. If you have a workplace 401(k) plan, you may want to keep your money at work in mutual funds or index funds, earning higher returns. Alternatively, you could cash out...

Learn About Universal Life Insurance

• 11 min read

Universal life insurance, like whole life insurance, is a type of permanent life insurance policy that accumulates tax-deferred cash value. The policy stays in effect for as long as you remain alive and pay the premiums. In contrast, a term life poli...

Things You Need to Know About Life Insurance

• 11 min read

If you feel a bit in the dark when it comes to understanding life insurance, you're far from alone. According to a study last year from nonprofits LIMRA and Life Happens, fewer than 6 in 10 Americans have life insurance, and half of those wh...

Advantages Of Using Fixed Indexed Annuities In Retirement

• 11 min read

Fixed indexed annuities are often pegged as a safer way to invest in the market. As such, many financial advisers spurn the product due to its perceived inefficiencies in growing wealth when compared to straightforward investment strategies. This is...

Indexed Universal Life Insurance, It May Be For You

• 11 min read

If you are a first-time life insurance shopper, the variety of policies on the market may overwhelm you. Some life insurance policies only provide a death benefit, while others also offer investment options. If you are looking for a life insurance po...

The Life Insurance Gender Gap

• 11 min read

In honor of Life Insurance Awareness Month in September, my startup released the results of a study evaluating gender, household roles and life insurance. Our aim in conducting the research was to understand whether there are differences in...

A Long-Term Care Strategy

• 11 min read

Growing up, my parents would frequently reiterate that hope is not a strategy. Although I did not always adhere to this guidance, their mantra has been confirmed more often than not. As my family is currently structuring long-term care plans for a lo...

RJ Gustilo

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