---
title: Creekmur Wealth Advisors | Life Insurance
description: Life Insurance | We help create true wealth and retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do.
---
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## Educate, Encourage, Empower
## [How Can I Plan for Long-Term Care?](https://blog.creekmurwealth.com/blog/ltc-options-using-life-insurance-policies)
Posted by [Andy Anderson, CFP®](https://blog.creekmurwealth.com/blog/author/andy-anderson-cfp) on 10:21 AM on September 29, 2022
[](https://blog.creekmurwealth.com/blog/ltc-options-using-life-insurance-policies)
Some life insurance policies only pay a death benefit if the policy owner dies during a certain period—the “term” of a term life insurance policy. Others pay out a death benefit no matter when the policy owner dies—these policies are considered “permanent” policies and are intended to remain in-force for the entirety of the policy owner’s life.
[Read More](https://blog.creekmurwealth.com/blog/ltc-options-using-life-insurance-policies)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Insurance policies](https://blog.creekmurwealth.com/blog/tag/insurance-policies), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance), [Certified Financial Planner, CFP](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp), [long-term care](https://blog.creekmurwealth.com/blog/tag/long-term-care)
## [Why do Business Owners need Life Insurance?](https://blog.creekmurwealth.com/blog/why-do-business-owners-need-life-insurance)
Posted by [Nicole Geraci, CFP®, AWMA®](https://blog.creekmurwealth.com/blog/author/nicole-geraci) on 10:06 AM on September 24, 2022
[](https://blog.creekmurwealth.com/blog/why-do-business-owners-need-life-insurance)
[Read More](https://blog.creekmurwealth.com/blog/why-do-business-owners-need-life-insurance)
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## [Insurance Types and Solutions](https://blog.creekmurwealth.com/blog/insurance-types-solutions)
Posted by [Andrew Pisel](https://blog.creekmurwealth.com/blog/author/andrew-pisel) on 3:00 PM on September 15, 2022
[](https://blog.creekmurwealth.com/blog/insurance-types-solutions)
*The kids are back to school, the holiday season is right around the corner, fall activities are in full swing!*
[Read More](https://blog.creekmurwealth.com/blog/insurance-types-solutions)
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Topics: [Disability Insurance](https://blog.creekmurwealth.com/blog/tag/disability-insurance), [Insurance](https://blog.creekmurwealth.com/blog/tag/insurance), [Insurance policies](https://blog.creekmurwealth.com/blog/tag/insurance-policies), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance)
## [Do I Need Life Insurance?](https://blog.creekmurwealth.com/blog/do-i-need-life-insurance)
Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 9:00 AM on September 5, 2022
[](https://blog.creekmurwealth.com/blog/do-i-need-life-insurance)
### 3 Questions to Help you Decide!
When I was a student I got so stressed before tests! The week leading up to the test I would study loosely, be constantly stressed, and cram the day before.
Eventually, I learned to create a study plan two weeks before my test. I studied each day for a set time, had little stress, and usually performed well. With an appropriate plan I was able to enjoy my life without worrying about my test. *I wasn’t planning for the worst but rather preparing myself so I would have freedom.*
This is similar to the approach we use in life insurance planning.
[Read More](https://blog.creekmurwealth.com/blog/do-i-need-life-insurance)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Insurance](https://blog.creekmurwealth.com/blog/tag/insurance), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance)
## [ABC's of Insurance Planning](https://blog.creekmurwealth.com/blog/abc-of-insurance-planning)
Posted by [Andy Anderson, CFP®](https://blog.creekmurwealth.com/blog/author/andy-anderson-cfp) on 9:00 AM on July 20, 2021
[](https://blog.creekmurwealth.com/blog/abc-of-insurance-planning)
*At Creekmur Wealth Advisors, our job is to design unique strategies that help our clients reach their goals in the most efficient manner possible. However, despite our best efforts to plan for the future, sometimes life steps in and throws us a curveball. Experiencing a catastrophic life event could quickly derail an otherwise effective plan and leave us scrambling to pick up the pieces.*
[Read More](https://blog.creekmurwealth.com/blog/abc-of-insurance-planning)
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Topics: [Disability Insurance](https://blog.creekmurwealth.com/blog/tag/disability-insurance), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Insurance Risk](https://blog.creekmurwealth.com/blog/tag/insurance-risk), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance)
## [Insurance When You Marry After 40](https://blog.creekmurwealth.com/blog/insurancewhenyoumarryafter40)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 8:30 AM on July 6, 2021
When you marry, you buy life insurance. Right? You buy it out of consideration for your spouse, and also realize that in the event of either your untimely death or your spouse’s untimely death, your household could be left with one income to shoulder expenses that may not lessen.
These days, people are marrying later in life. Take first marriages, for example. A recent study by the Pew Research Center says the median age for marriage in America is now 30 for men and 28 for women, compared to respective median ages of 23 and 21 in 1968. Today, 16% of us are waiting until at least our late forties to marry.1,2
[Read More](https://blog.creekmurwealth.com/blog/insurancewhenyoumarryafter40)
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Topics: [Build True Wealth](https://blog.creekmurwealth.com/blog/tag/build-true-wealth), [Insurance](https://blog.creekmurwealth.com/blog/tag/insurance), [Insurance policies](https://blog.creekmurwealth.com/blog/tag/insurance-policies), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance), [Newlyweds](https://blog.creekmurwealth.com/blog/tag/newlyweds)
## [What do I do When a Loved One Passes?](https://blog.creekmurwealth.com/blog/a-checklist-for-when-a-spouse-or-parent-passes)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 10:30 AM on October 8, 2020
[](https://blog.creekmurwealth.com/blog/a-checklist-for-when-a-spouse-or-parent-passes)
## *A checklist of some of the first steps.*
**When you lose a spouse, partner, or parent, the grief can be overwhelming.** In the midst of that grief, life goes on. There are arrangements to be made, things to be taken care of – and in recognition of this reality, here is a checklist that you may find useful at such a time.
**First, gather documents.** Ask for help from other family members if you need it. Start by gathering the following:
\* A will, a trust, or other estate documents. If none of these exist, you could face a longer legal process when settling the person’s estate. If a trust exists, we would recommend contacting the professional or firm who helped set up the document. Depending upon how the estate is set up you may need to secure a Letter of Testamentary.
\* A Social Security card/number. Generally, the person’s Social Security number will be retired shortly following the death.
Then, gather these additional highly important items.
[Read More](https://blog.creekmurwealth.com/blog/a-checklist-for-when-a-spouse-or-parent-passes)
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Topics: [Widow](https://blog.creekmurwealth.com/blog/tag/widow), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance), [Surviving Spouse](https://blog.creekmurwealth.com/blog/tag/surviving-spouse), [Inheritance](https://blog.creekmurwealth.com/blog/tag/inheritance)
## [How Much Do You Really Know About Extended Care?](https://blog.creekmurwealth.com/blog/howmuchdoyoureallyknowaboutextendedcare)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 12:36 PM on September 24, 2020
[](https://blog.creekmurwealth.com/blog/howmuchdoyoureallyknowaboutextendedcare)
## *Separating some eldercare facts from eldercare myths.*
How much does eldercare cost, and how do you arrange it when it is needed? The average person might have difficulty answering those two questions, for the answers are not widely known. For clarification, here are some facts to dispel some myths.
**True or false: Medicare will pay for your mom or dad’s nursing home care.**
***FALSE***. Medicare is not extended care insurance.1
Medicare Part A will pay the bill for up to 20 days of skilled nursing facility (SNF) care, but after that, you or your parents may have to cover some costs out-of-pocket. After 100 days in a SNF, you will have to cover all costs out of pocket. The only way to “reset the clock” for Medicare coverage of these services is if
[Read More](https://blog.creekmurwealth.com/blog/howmuchdoyoureallyknowaboutextendedcare)
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Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Insurance](https://blog.creekmurwealth.com/blog/tag/insurance), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement)
## [How Your Credit May Affect Your Life Insurance Premiums](https://blog.creekmurwealth.com/blog/2018/07/24/how-your-credit-may-affect-your-life-insurance-premiums)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 8:05 AM on July 24, 2018
**Does your credit history partly determine the cost of your life insurance?** It may. The potential for such a relationship may surprise you – and the relationship is not without controversy.
Insurers think a good credit history implies several things. It signals a consumer who routinely lives up to financial responsibilities. It telegraphs maturity in a young adult. It may also be characteristic of good health and a long life.1
That last sentence may have you scratching your head. Weird as it may seem, some [life insurance](https://content.creekmurwealth.com/life-insurance-ebook) providers see an excellent borrowing history as a predictor of continuing healthiness and longevity. Following this train of thought a little further, a poor credit history may be judged to reflect either inattention to, or ignorance of, personal financial responsibility. The root causes of that inattention or ignorance might cause those consumers to die earlier than others.1
Last year, LIMRA (a noted life insurance industry research firm) examined what kind of data insurance companies were reviewing as they considered life insurance applications. Twenty-eight percent stated that they used a predictive model encompassing consumer credit histories – one created by LexisNexis Risk Solutions, an analytics firm. Eighteen percent simply looked at consumer credit records directly. Eight percent relied on a TransUnion score for life insurance applicants.1
**In some states, credit history also influences auto and homeowners insurance rates.** The better the behavior, the thinking goes, the less inclined that consumer will be to file a claim. (It is illegal to use credit history as a factor in setting auto insurance premiums in California, Hawaii, and Massachusetts.)1
**Other types of data may also be evaluated. In addition to credit history, insurance companies may also look at a consumer’s driving record, criminal history, use of prescription medicines, and applications for life insurance coverage submitted in past years.** All this may affect life insurance coverage and premiums.1
**Why are life insurance providers interested in all this information?** They want to make their business models more efficient.
Life insurance underwriting usually takes weeks or months and includes a medical exam. In this digital age, the whole process looks very analog. By streamlining it around predictive models and abandoning or softening the exam requirement, insurers remove a psychological hurdle that stands in the way of some policy sales. Data-based underwriting can take as little as 48 hours.2
[Read More](https://blog.creekmurwealth.com/blog/2018/07/24/how-your-credit-may-affect-your-life-insurance-premiums)
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Topics: [Uncategorized](https://blog.creekmurwealth.com/blog/tag/uncategorized), [Effects Credit History](https://blog.creekmurwealth.com/blog/tag/effects-credit-history), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Good Credit](https://blog.creekmurwealth.com/blog/tag/good-credit), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance)
## [What People Overlook When Shopping for Life Insurance](https://blog.creekmurwealth.com/blog/2018/07/03/what-people-overlook-when-shopping-for-life-insurance)
Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 10:55 AM on July 3, 2018
## A few realities that must be acknowledged.
Shopping for [life insurance](https://content.creekmurwealth.com/life-insurance-ebook) means paying attention to detail. In scrutinizing these details, however, some fundamental, big-picture truths may be ignored.
**If you want to renew or upgrade coverage later in life, the terms could be less than ideal.** You may be healthier than most of your peers, you may have the constitution of someone half your age, but insurers base policy premiums and terms of coverage on actuarial norms, not exceptions. Purchase a term life policy at age 50, and your premiums may be considerably more expensive than if you had bought the same coverage at age 30. This is the way of the insurance business.1
Have you had a serious illness? Have you been diagnosed with a medical condition, such as diabetes, sleep apnea, or high blood pressure? You are looking at higher life insurance premiums, and insurers may limit the amount of life insurance coverage you can buy.2
A guaranteed acceptance life insurance policy may be the answer, but even with one of these policies, you may have to live a certain number of years after buying the coverage for your heirs to receive a death benefit. Many times, if the insured dies within 2-3 years of the policy purchase, the named beneficiaries only receive an amount equivalent to the premiums that have been paid, plus interest.2
**Your beneficiaries need to know that you own life insurance.** Roughly $1 billion in life insurance payouts sit unclaimed in America. Why? The beneficiaries are unaware of them. Also, sometimes beneficiary designations are hazy; a “husband” is named as a primary beneficiary on a policy, but the insured has married more than once, so an ex-spouse contests the beneficiary form. Such legal challenges may generate court costs offsetting the financial value of the death benefit.3
While it seems obvious to inform heirs about a life insurance policy, some people never do – and this simple oversight continues to obstruct life insurance payouts.
**You need to name a beneficiary in the first place.** Some consumers fail to, however, and that can create problems. If you do not designate a beneficiary for your life insurance policy, its death benefit could be included in your estate, exposed to probate and creditors.4
**You must also recognize that you could live much longer than you expect.** Years ago, most life insurance policies were sold with the assumption that the insured party would die by age 100. If the policyholder lived beyond that maturity date, the insurer would simply pay out the cash value of the policy (or something similar) to the insured person at that time.5
[Read More](https://blog.creekmurwealth.com/blog/2018/07/03/what-people-overlook-when-shopping-for-life-insurance)
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Topics: [Uncategorized](https://blog.creekmurwealth.com/blog/tag/uncategorized), [Build True Wealth](https://blog.creekmurwealth.com/blog/tag/build-true-wealth), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Insurance policies](https://blog.creekmurwealth.com/blog/tag/insurance-policies), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance)
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- [Tax Forms (2)](https://blog.creekmurwealth.com/blog/tag/tax-forms)
- [Tax on Social Security Income (2)](https://blog.creekmurwealth.com/blog/tag/tax-on-social-security-income)
- [Tax withholding (2)](https://blog.creekmurwealth.com/blog/tag/tax-withholding)
- [Widow (2)](https://blog.creekmurwealth.com/blog/tag/widow)
- [charitable IRA gift (2)](https://blog.creekmurwealth.com/blog/tag/charitable-ira-gift)
- [economy (2)](https://blog.creekmurwealth.com/blog/tag/economy)
- [long-term care (2)](https://blog.creekmurwealth.com/blog/tag/long-term-care)
- [tax deferred growth (2)](https://blog.creekmurwealth.com/blog/tag/tax-deferred-growth)
- [401ks (1)](https://blog.creekmurwealth.com/blog/tag/401ks)
- [529 Plan (1)](https://blog.creekmurwealth.com/blog/tag/529-plan)
- [Baby boomers should think about these (1)](https://blog.creekmurwealth.com/blog/tag/baby-boomers-should-think-about-these)
- [Credit Card use (1)](https://blog.creekmurwealth.com/blog/tag/credit-card-use)
- [Credit for Elderly or Disabled (1)](https://blog.creekmurwealth.com/blog/tag/credit-for-elderly-or-disabled)
- [Digital Assets (1)](https://blog.creekmurwealth.com/blog/tag/digital-assets)
- [Digital Profile (1)](https://blog.creekmurwealth.com/blog/tag/digital-profile)
- [Diversify Portfolio (1)](https://blog.creekmurwealth.com/blog/tag/diversify-portfolio)
- [Effects Credit History (1)](https://blog.creekmurwealth.com/blog/tag/effects-credit-history)
- [Elder Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-abuse)
- [Elder Financial Abuse (1)](https://blog.creekmurwealth.com/blog/tag/elder-financial-abuse)
- [Eldercare needs (1)](https://blog.creekmurwealth.com/blog/tag/eldercare-needs)
- [Estate Plan (1)](https://blog.creekmurwealth.com/blog/tag/estate-plan)
- [FAFSA app (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-app)
- [FAFSA apply by phone (1)](https://blog.creekmurwealth.com/blog/tag/fafsa-apply-by-phone)
- [Family Legacy (1)](https://blog.creekmurwealth.com/blog/tag/family-legacy)
- [Filling out FAFSA (1)](https://blog.creekmurwealth.com/blog/tag/filling-out-fafsa)
- [Financial Elder abuse (1)](https://blog.creekmurwealth.com/blog/tag/financial-elder-abuse)
- [Financial Scams (1)](https://blog.creekmurwealth.com/blog/tag/financial-scams)
- [Financially Skeptical (1)](https://blog.creekmurwealth.com/blog/tag/financially-skeptical)
- [Form 1099 (1)](https://blog.creekmurwealth.com/blog/tag/form-1099)
- [Fraudsters preying on Boomers and Elders (1)](https://blog.creekmurwealth.com/blog/tag/fraudsters-preying-on-boomers-and-elders)
- [Good Credit (1)](https://blog.creekmurwealth.com/blog/tag/good-credit)
- [Grandkids (1)](https://blog.creekmurwealth.com/blog/tag/grandkids)
- [Grandparents day (1)](https://blog.creekmurwealth.com/blog/tag/grandparents-day)
- [Homeowners (1)](https://blog.creekmurwealth.com/blog/tag/homeowners)
- [Inheritance (1)](https://blog.creekmurwealth.com/blog/tag/inheritance)
- [Legacy Assets (1)](https://blog.creekmurwealth.com/blog/tag/legacy-assets)
- [Legacy Planning (1)](https://blog.creekmurwealth.com/blog/tag/legacy-planning)
- [Lessons Learned (1)](https://blog.creekmurwealth.com/blog/tag/lessons-learned)
- [Marriage (1)](https://blog.creekmurwealth.com/blog/tag/marriage)
- [Medigap insurance (1)](https://blog.creekmurwealth.com/blog/tag/medigap-insurance)
- [Medigap policy (1)](https://blog.creekmurwealth.com/blog/tag/medigap-policy)
- [Memory Disorders (1)](https://blog.creekmurwealth.com/blog/tag/memory-disorders)
- [Millennials time to save (1)](https://blog.creekmurwealth.com/blog/tag/millennials-time-to-save)
- [Misconceptions about Medicare coverage (1)](https://blog.creekmurwealth.com/blog/tag/misconceptions-about-medicare-coverage)
- [News (1)](https://blog.creekmurwealth.com/blog/tag/news)
- [Privacy Protection (1)](https://blog.creekmurwealth.com/blog/tag/privacy-protection)
- [Roth 401k vs 401k (1)](https://blog.creekmurwealth.com/blog/tag/roth-401k-vs-401k)
- [Save (1)](https://blog.creekmurwealth.com/blog/tag/save)
- [Simple Retirement (1)](https://blog.creekmurwealth.com/blog/tag/simple-retirement)
- [Snowball effect (1)](https://blog.creekmurwealth.com/blog/tag/snowball-effect)
- [Stocks (1)](https://blog.creekmurwealth.com/blog/tag/stocks)
- [Successive Investment (1)](https://blog.creekmurwealth.com/blog/tag/successive-investment)
- [Tariffs (1)](https://blog.creekmurwealth.com/blog/tag/tariffs)
- [Tax defferred growth (1)](https://blog.creekmurwealth.com/blog/tag/tax-defferred-growth)
- [Teachers savings plan (1)](https://blog.creekmurwealth.com/blog/tag/teachers-savings-plan)
- [Team Approach (1)](https://blog.creekmurwealth.com/blog/tag/team-approach)
- [Trusted Contact (1)](https://blog.creekmurwealth.com/blog/tag/trusted-contact)
- [UFADDA (1)](https://blog.creekmurwealth.com/blog/tag/ufadda)
- [UTMA account (1)](https://blog.creekmurwealth.com/blog/tag/utma-account)
- [Uniting Personal Finances (1)](https://blog.creekmurwealth.com/blog/tag/uniting-personal-finances)
- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
- [creating trust fund (1)](https://blog.creekmurwealth.com/blog/tag/creating-trust-fund)
- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
- [self-employed (1)](https://blog.creekmurwealth.com/blog/tag/self-employed)
- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)
See all
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