Field notes
Clear answers to common questions.
Straightforward guides to life insurance, annuities, and the decisions that shape your family’s future.
Life Insurance When You Have a Baby: What New Parents Actually Need to Do
A new baby turns your paycheck into somebody else's grocery money. Here is how much coverage new parents actually need, how long the term should run, why you should not name the baby as the beneficiary, and whether a policy on the child is worth buying.
October 4, 2026Transparency12 Questions to Ask Before You Buy Life Insurance
The first question most people ask is what it costs. That is the last one that matters. Here are the 12 questions to ask the agent and the policy before you sign anything, plus the red flags worth walking away from.
September 27, 2026Life InsuranceIs the Life Insurance Through My Job Enough?
The life insurance through your job is group coverage your employer owns, and it usually ends the day the job does. Here is how to find out what you actually have, what happens when you leave, and how to fill the gap.
September 20, 2026Life InsuranceHow Much Life Insurance Do I Need? A Real Numbers Guide
Most people guess at their life insurance number and either way under-insure or get sold way too much. Here is the honest math on how to figure out the right amount of coverage with real examples.
June 7, 2026AnnuitiesFixed Indexed Annuity Explained: How It Works and What to Watch For
A fixed indexed annuity gives you market-linked growth with no risk of loss when the market drops. Here is how the cap, the participation rate, and the surrender charge actually work, with real numbers and the parts most agents skip.
May 31, 2026AnnuitiesAnnuity vs CD: Which Is Better for Your Retirement Money
Annuities and CDs both offer guaranteed returns, but they work differently and serve different goals. Here is the honest breakdown with real numbers so you can figure out which one fits your retirement plan.
April 26, 2026Life InsuranceTerm vs Whole Life Insurance: What Is the Difference and Which Do You Need
Term and whole life insurance both pay a death benefit, but they work completely differently. Here is the honest breakdown with real numbers so you can figure out which one fits your situation.
April 13, 2026