Policy Tips
4 min readMedicare Plan Comparison Checklist: Doctors, Drugs and Costs
Use a practical checklist to review Medicare provider networks, prescription coverage, pharmacy costs and total expenses before choosing coverage.
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Practical guidance on health and Medicare enrollment, choosing coverage and filing life insurance claims.
Medicare Annual Enrollment runs October 15 through December 7, 2026. Learn what to check before choosing 2027 Medicare Advantage or Part D coverage.
Read the full guideUse a practical checklist to review Medicare provider networks, prescription coverage, pharmacy costs and total expenses before choosing coverage.
Understand your seven-month Medicare Initial Enrollment Period, Part A and Part B signup, employer coverage and the next step for private plan options.
Know the HealthCare.gov deadlines for 2027 coverage, what to prepare, and how to confirm your coverage starts.
Compare premiums, deductibles, networks, prescriptions, and out-of-pocket costs before choosing Marketplace coverage.
Understand coverage-loss enrollment timing, Marketplace options, COBRA, and the steps to avoid a gap in insurance.
A gentle, practical checklist for finding out whether your mom or dad had life insurance: papers, bank records, tax forms, work and military service.
The state regulators' life insurance policy search is free. How to use it, what it checks, what it does not, how long it takes, and what silence means.
There is no public database of life insurance you can search by Social Security number. What the number is really used for, and what to do instead.
Many people have life insurance through work and never mention it. How to check after a death, including former employers, retirees and federal jobs.
How to find out if a service member, veteran or federal worker had SGLI, VGLI, VA or FEGLI life insurance, who runs each program, and how to claim.
For most simple, uncontested estates you can handle the administrative work yourself — no attorney required. Learn what you can do on your own, what genuinely needs a lawyer, and the step-by-step process to settle an estate.
Probate typically costs 3%–7% of an estate's value once you add attorney fees, court costs, executor fees, and appraisals. Learn the full cost breakdown, whether attorneys charge a percentage, and how to reduce what you pay.
An executor gathers and protects the deceased's assets, notifies institutions and creditors, pays debts and taxes, files life insurance claims, and distributes what's left. Here is the full step-by-step executor checklist and how long it takes.
Probate usually takes 9 to 18 months for a typical estate — simple estates can finish in a few months, complex or contested ones can run 2+ years. Learn what drives the timeline, the stages of probate, and how to speed it up.
You can keep many assets out of probate by naming beneficiaries, owning property jointly, or using a living trust. Learn which assets skip probate automatically, whether you need a trust, and what still has to go through probate.
To close a deceased person's bank account, notify the bank with a certified death certificate and proof of your authority. Learn what documents banks require, how joint and payable-on-death accounts transfer, and who can access the money.
Usually the funeral home reports a death to Social Security, or you can call 1-800-772-1213. Learn how to report a death, what happens to the deceased's benefits, the one-time $255 death payment, and survivor benefits.
When someone dies, their debts are generally paid from their estate — not by their family. Learn whether heirs are responsible, which debts get paid first, what happens to a mortgage or car loan, and how the executor handles creditors.
Life insurance nobody claims stays with the insurer or is turned over to a state. How to search state unclaimed property and claim what your family is owed.
A comprehensive, step-by-step checklist of everything families need to handle after a loved one passes, from the first 24 hours through the first year. Covers legal, financial, insurance, and practical tasks.
Navigate estate settlement after a loved one dies. Learn about probate, insurance claims, financial accounts, property transfer, and the services that can help families manage everything.
Overwhelmed by the claims process? Learn about life insurance claim filing services, how they work, what they charge, and how to choose the right one for your situation.
Think a loved one had life insurance but cannot find the policy? Seven places families look, what each really takes, and how to have the search done.
If your life insurance claim was denied or delayed, you have options. Learn the most common reasons insurers refuse to pay, how to appeal a denial, and when to escalate to your state insurance department.
Everything you need to know about buying life insurance online in 2026: how instant quotes work, no-exam options, what coverage you need, and how to compare policies from your phone.
Critical illness insurance pays a lump sum if you are diagnosed with cancer, a heart attack, or stroke. Learn how it works, what it costs, who benefits most, and whether it is worth adding to your coverage.
Young families need life insurance more than anyone, but most are underinsured or uninsured. Learn how to calculate the right coverage amount, choose the right policy type, and protect your family affordably.
Billions in life insurance benefits go unclaimed every year because beneficiaries cannot find the policy. Learn practical steps to organize, store, and share your policy information so your family is protected.
A complete guide to filing a life insurance claim, from gathering documents to receiving your payout. Learn the exact steps, timelines, and common mistakes to avoid.
Your life insurance claim was denied — but that's not the end. Learn the most common denial reasons, how to file an appeal, and when to get professional help.
Most life insurance claims pay out in 30-60 days, but delays happen. Learn what affects the timeline, state prompt-payment laws, and how to speed up your claim.
The complete checklist of documents required to file a life insurance claim: death certificates, claim forms, identification, and more. Plus how to get each one.
Lost the life insurance policy? You can still file a claim. Where families find the insurer, what the search takes, and how to file once you know it.
As a life insurance beneficiary, you have legal rights to the death benefit. Learn about primary vs contingent beneficiaries, how to verify your status, and what to do if challenged.
Over $10 billion in life insurance benefits go unclaimed because families can't find the policies. Learn how to organize, store, and share your coverage details.
Most life insurance agents lose touch with clients within 12 months of the sale. Learn why post-sale retention matters and how modern tools can help.