Rito Capetillo

Life Insurance in Your 20s: Why Starting Early Pays Off Big

Life Insurance in Your 20s: Why Starting Early Pays Off Big You're young, healthy, and probably not thinking about life insurance. That makes complete sense, and it's also exactly why now is the best time to get it.

Debunking the Top 7 Life Insurance Myths

Debunking the Top 7 Life Insurance Myths Life insurance is one of the most misunderstood financial products out there. Misconceptions keep millions of families from getting the coverage they need, often until it's too late. Let's set the record straight.

Your Life Insurance Isn’t ‘Portable’ Like You Think (The Employer Coverage Trap)

Your Life Insurance Isn’t ‘Portable’ Like You Think (The Employer Coverage Trap) If you think your employer provided life insurance will stay with you when you leave your job, think again. Group life insurance is a nice workplace benefit, but relying on it as your only protection can leave your family exposed when you least expect it.

Prescription Gotchas: Prior Authorization, Step Therapy, and Formulary Changes

Prescription Gotchas: Prior Authorization, Step Therapy, and Formulary Changes You’ve been taking the same medication for years. Your doctor refills it. You head to the pharmacy only to hear: “It’s been denied.”