Shad Burgess InsuranceOHIO & PENNSYLVANIATHE INSURANCE JOURNAL
Life insurance can feel complicated. Start here for useful answers, practical checklists, and guidance for Ohio and Pennsylvania families.
Term conversion & permanent coverage
A convertible term policy may let you move to permanent coverage without new health underwriting, but deadlines, products, amounts, and premiums depend on the contract.
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Policy replacement & consumer protection
Do not cancel an existing life insurance policy while a replacement is still being reviewed. Compare costs, benefits, underwriting, and effective dates first.
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Beneficiaries & family protection
You can name a child as a life insurance beneficiary, but insurers generally do not pay benefits directly to minors. Learn the practical options for Ohio and Pennsylvania families.
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Debt & family protection
Most debts are paid from the deceased person’s estate, not automatically by relatives. Learn which shared obligations can remain and where life insurance may help.
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Living benefits & policy riders
Some life insurance policies include living-benefit or long-term-care riders. Learn what triggers them, what they may pay, and how using them can affect beneficiaries.
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Cost & underwriting
No-exam life insurance can be faster, but it may cost more or offer less coverage than comparable fully underwritten options. Learn what Ohio and Pennsylvania families should compare.
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A straightforward guide to estimating funeral costs and comparing final expense life insurance options with Shad Burgess Insurance.
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Recent LIMRA research highlights Americans' life insurance coverage gap and rising policy sales. What families in Ohio and Pennsylvania should know.
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Applications & underwriting
Some life insurance applications require an exam, while others use accelerated or simplified underwriting. Learn what Ohio and Pennsylvania applicants should expect.
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Local news & family protection
Ohio’s nearly $3.4 million business investment announcement includes a Findlay project. Here is a practical life insurance checkup for working families.
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Cost & policy comparison
Some life insurance premiums stay level for a set period or for life, while others can change. Learn what Ohio and Pennsylvania families should ask before buying.
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Final expenses & survivor benefits
Social Security may pay an eligible spouse or certain children a one-time $255 death payment. Learn how it differs from survivor benefits and life insurance.
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Policy maintenance
A missed life-insurance payment may not cancel coverage immediately. Learn how grace periods, lapse and reinstatement generally work in Ohio and Pennsylvania.
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Family protection
An adult child may help a parent apply for life insurance, but the parent must participate and the policy must meet insurable-interest and underwriting rules.
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Eligibility questions
Diabetes does not automatically rule out life insurance. Learn what to ask about underwriting, policy choices and benefit limits before applying in Ohio or PA.
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Work & family protection
Leaving a job in Ohio or Pennsylvania? Check when group life coverage ends, ask about portability or conversion, and compare options before a gap begins.
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Claims & beneficiary help
The free NAIC Policy Locator can help beneficiaries and legal representatives search for a deceased loved one’s missing life insurance policy or annuity.
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Home & family protection
The White House housing-cost update raises a practical question: could the family keep the home if an income disappeared? Here is where life insurance fits.
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Policy reminders
A little Halloween humor and a simple reminder: life changes. Check whether the names on an old life insurance policy still reflect today’s wishes.
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Industry updates
October 2026 life insurance news: workplace sales rise 7%, regulators watch private credit, and cybersecurity matters. What Ohio and PA families should ask.
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Final expense
A little planning can make the next conversation clearer. Start with family needs, existing coverage, and a monthly budget that fits.
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Housing news & family protection
A plain-English look at the October 22 housing order, who the mortgage-insurance pilot could help, and how life insurance fits into protecting a family’s home.
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Final expense
A simple starting point for Ohio and Pennsylvania families: the goal, the monthly budget, and the policy details.
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A short preparation guide for life insurance and final expense conversations in Findlay, Ohio and Pennsylvania. Start with priorities, existing coverage and clear questions.
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Behind the scenes
A behind-the-scenes look at Shad Burgess in one-on-one training with a Corebridge trainer, focused on life insurance, final expense options and the application process.
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Family protection
A simple life insurance review checklist for Ohio and Pennsylvania families: everyday expenses, existing coverage, policy details and a budget you can maintain.
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Industry updates
A clear look at the latest available life insurance sales report, final expense trends and the upcoming VGLI premium holiday—and what to ask about your own coverage.
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Final expense insurance
Learn how final expense insurance can help with funeral and burial costs. Compare coverage, waiting periods and next steps with Shad Burgess Insurance.
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Coverage clarity
A simple guide to level and graded death benefits, waiting periods, and questions to ask when comparing final expense life insurance in Ohio and Pennsylvania.
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A simple way for Ohio and Pennsylvania families to estimate life insurance needs, protect everyday expenses, and start a conversation that fits their budget.
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Coverage clarity
Many families wait because life insurance feels complicated or expensive. Start with the reason you want coverage, then compare simple options.
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Compare the purpose of term and whole life insurance, then bring three practical questions to your next coverage conversation.
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Family protection
A short beneficiary checklist to help your family locate your policy and know whom to contact.
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