Jay A. Cohen 
A life insurance trust may help families manage proceeds, protect young beneficiaries, and coordinate estate plans. Learn the roles, rules, risks, and questions to ask. Read more
Why consider life insurance for children? Compare child riders, separate policies, future purchase rights, cash value, and family budget priorities. Read more
Can adult children help buy life insurance for a parent? Start with consent, ownership, existing coverage, health requirements, and a budget the family can maintain. Read more
Working for yourself does not automatically qualify you for group health insurance. Here is how Florida solo owners can compare individual coverage, savings, costs, and enrollment timing. Read more
Compare term and whole life insurance by coverage duration, budget, cash value, guarantees, and the financial responsibilities your family wants to protect. Read more
A practical guide to separating total premiums, employer contributions, employee costs, and funding responsibilities when comparing small-business health coverage. Read more
You can explore no-exam life insurance through a licensed agent or an insurer’s application channel. Learn how to compare underwriting, coverage, costs, and early-benefit provisions before applying. Read more
You can usually end a life insurance policy you own. Learn what to check about refunds, cash surrender value, taxes, alternatives, and replacement timing before you act. Read more
Diabetes does not automatically prevent someone from qualifying for life insurance. Learn what underwriters review, how A1C fits into the decision, and how to compare available policy paths. Read more
A cancer history can affect life insurance timing, price, and options—but it does not always end the conversation. Learn how underwriting works and what to prepare. Read more