Shawn Plummer

I'm a licensed financial professional. I've sold annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I've been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women's Health Magazine. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you.

Who Should Not Buy An Annuity?

When it comes to securing your financial future, many investment products are available to choose from. One option that may come to mind is an annuity. While annuities can be suitable for some investors, they are not the right choice for everyone. It’s important to weigh the risks and benefits before making any investment decisions.…

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Will Life Insurance Payout Affect SSDI

Will Life Insurance Payout Affect SSDI If you currently receive Social Security Disability Insurance (SSDI) benefits and are the beneficiary of a life insurance policy, you may be wondering how a life insurance payout could potentially impact your eligibility and benefit payments. It’s crucial to understand the interaction between SSDI and life insurance to ensure…

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Can Annuities Be Cashed Out?

Can annuities be cashed out? You may be wondering if annuities can be cashed out, and the answer is yes. Cashing out an annuity allows you to access the cash value of your investment either as a lump sum or by selling the payments. However, there are important considerations and options to be aware of…

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Who Regulates Annuities

Annuities, as financial products, undergo regulation at both the state and federal levels. In this article, we will focus on state-level annuity regulation and the regulatory bodies responsible for overseeing these products. Annuities are regulated by state insurance commissioners, who play a crucial role in ensuring consumer protection and maintaining the financial integrity of insurance…

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Can Life Insurance Be Garnished?

Can Creditors Go After My Life Insurance Benefit? When a life insurance company pays out a death claim, the money is typically transferred directly to the designated beneficiaries. This means that the funds do not pass through the deceased person’s estate and are not subject to claims from creditors. Insurance regulations specifically prohibit creditors from…

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Can You Get Life Insurance with a Fatty Liver?

Understanding Life Insurance Eligibility with Fatty Liver Fatty Liver and Life Insurance Eligibility Having a fatty liver condition does not automatically disqualify you from getting life insurance. The key factors include: How Fatty Liver Affects Life Insurance Applications Underwriters’ Perspective Steps to Improve Life Insurance Eligibility What to Expect When Applying for Life Insurance Fatty…

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Can Annuities Be Garnished?

Can Annuities Be Garnished? Annuities, as contractual agreements between individuals and insurance companies, offer various benefits such as guaranteed income, growth, and protection. However, the extent of creditor protection for annuities can vary depending on state laws and regulations. While some states provide unconditional exemption from seizure by creditors or bankruptcy courts, others have limited…

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Can You Get Life Insurance on Someone with Huntington’s Disease?

Understanding Life Insurance for Individuals with Huntington’s Disease The Challenges Available Options Key Considerations Comparing Life Insurance Options for Huntington’s Disease Insurance Type Medical Exam Required Coverage Limitations Premium Cost Best For Substandard Market Policies Yes Varies Higher Those seeking higher coverage Guaranteed Issue No Yes Higher Avoiding medical exams Group Life (Employer) No Yes…

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