Plain-English guides to protection, retirement and family money
Written by Nag Sonti, licensed life & annuity agent. New topics every week.
Life InsuranceHow much life insurance does your family really need?
Most families guess. The DIME method gives you a real number in two minutes.
Latest
A parent abroad is sick. Can you afford to fly tomorrow?
How to plan for long-term care before you need it
Roth IRA basics for 2026: limits, rules and where IUL fits
Caring for aging parents without derailing your own plan
How big should your emergency fund be?
EmergenciesA parent abroad is sick. Can you afford to fly tomorrow?
How to size a family emergency travel fund and keep documents ready.
Aging & CareHow to plan for long-term care before you need it
About 70% of people turning 65 will need some care. Here is how families pay for it.
RetirementRoth IRA basics for 2026: limits, rules and where IUL fits
Tax-free growth explained, plus what to do if your income is too high.
Aging & CareCaring for aging parents without derailing your own plan
The conversation, the paperwork and the budget to set now.
EmergenciesHow big should your emergency fund be?
Three to six months is the rule. Here is who needs more.
Life InsuranceHow much life insurance does your family really need?
Most families guess. The DIME method gives you a real number in two minutes.
Life InsuranceTerm life insurance: the complete guide
How it works, how long a term to choose and what drives the price.
Life InsuranceIndexed universal life (IUL), explained honestly
Caps, floors, loans and the risks most sales pitches skip.
Life InsuranceTerm vs. IUL: which is right for you?
Cost, length and cash value, side by side.
Life InsuranceLiving benefits: using your policy while you are alive
Chronic, critical and terminal illness riders explained.
Life InsuranceHow life insurance approval and pricing really work
Health classes, exams and how to get the best rate you qualify for.
RetirementAnnuities: safe growth and income you cannot outlive
Fixed, indexed and income annuities, surrender charges and taxes.
RetirementMYGA, FIA, SPIA or DIA? Annuity types compared
Four kinds of fixed annuities and what each one is for.
RetirementRolling a 401(k) into an annuity without tax surprises
Direct vs. indirect rollovers, the 20% rule and the steps.
BusinessLife insurance for business owners
Key person coverage, buy-sell agreements and executive bonus plans.
Sources and further reading
- National Association of Insurance Commissioners (NAIC): consumer guides to life insurance and annuities
- Virginia State Corporation Commission, Bureau of Insurance: verify an agent's license
- AM Best: insurer financial strength ratings
- IRS: tax rules for life insurance and annuities
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