Lauren McCee is a licensed life insurance professional and the founder of SafeCoverageGuide.com. With years of experience in the industry, she created this site to help everyday families understand life insurance—without the sales pitch. Her mission is to break down confusing topics into simple, real-life guidance you can actually use. When she’s not writing, Lauren is a mom of two and passionate about helping others protect what matters most.
When most people think about life insurance, they imagine it’s only for the person bringing home a paycheck. But what about the stay-at-home parent—the one doing school drop-offs, cooking meals, running the household, and holding everything together behind the scenes? So, How much life insurance do stay-at-home parents need? The… Read More »How Much Life Insurance Do Stay-at-Home Parents Really Need?
When people think of investing, life insurance isn’t usually the first thing that comes to mind. Stocks, real estate, or even crypto might take center stage. But there’s a quiet financial tool that’s been building wealth in the background for decades: permanent life insurance with cash value. So, is life… Read More »Is Life Insurance a Good Investment? The Truth About Cash Value
Not all life insurance policies are just “set it and forget it.” Some are powerful financial tools — including the ability to borrow money from your own policy. But is that a smart move? Let’s break down how life insurance loans work, when to consider them, and why borrowing against… Read More »How to Borrow Money From Your Life Insurance (and When You Shouldn’t)
Your policy’s survival could depend on what you do today. Life can change in an instant. A car accident, a serious illness, or a workplace injury can leave you unable to work — and suddenly you’re asking:“What happens to my life insurance if I become disabled?” This is one of… Read More »What Happens to Your Life Insurance If You Become Disabled?
How to name a life insurance beneficiary might seem like the simplest part of the process. But here’s the truth:One wrong move — or one forgotten update — could cost your family everything you meant to protect. In this guide, we’ll walk you through how to name your beneficiary the… Read More »How to Name a Beneficiary the Right Way (and Mistakes to Avoid)
Being a single parent is one of the toughest and most courageous roles anyone can take on. You’re not just juggling finances, homework, and after-school chaos — you’re also your child’s provider, protector, and future planner. And when it comes to protecting that future, life insurance for single parents is… Read More »Life Insurance for Single Parents: Protecting Your Children’s Future
💼 What Is Group Life Insurance? If your job offers life insurance, it’s likely what’s called group life insurance — a benefit included in many workplace packages. It’s usually free or low-cost, and provides a set amount of coverage, typically 1–2x your annual salary. So, Do you need life insurance… Read More »Do I Need Life Insurance If I Have Coverage Through Work?
When it comes to life insurance, most people focus on the basics: term length, coverage amount, and premiums.But here’s a secret the industry doesn’t talk about enough… 👉 Riders can completely transform your policy — and your financial future. Some can protect your income, others can cover your kids, and… Read More »Life Insurance Riders Explained: What Add-Ons Are Actually Worth It?
When it comes to using life insurance as a wealth-building tool, two heavyweights dominate the conversation: Whole Life Insurance vs Indexed Universal Life (IUL). Both policies offer permanent coverage, cash value accumulation, and tax advantages — but they work in very different ways. So, which one actually helps you build… Read More »Whole Life vs Indexed Universal Life (IUL): Which Builds Wealth Better?
If you’ve ever been told “you don’t qualify” because of your health, you’re not alone. Here’s what you need to know about getting Life Insurance for People with Pre-existing Conditions. From diabetes to depression, asthma to cancer recovery — millions of Americans face a difficult truth: pre-existing conditions can make… Read More »Life Insurance for People With Pre-Existing Conditions: What You NEED to Know
When people think about life insurance, they often assume one policy is enough. You buy coverage, name your beneficiaries, and that’s it… right?Wrong. In reality, you can legally own multiple life insurance policies — many people wonder “How many life insurance policies can you actually have?” and for some, doing… Read More »How Many Life Insurance Policies Can You Actually Have?
When you hear the words life insurance, you probably picture a parent or a spouse trying to protect their loved ones. But here’s the reality: you don’t need to be married or have kids to need life insurance. In fact, if you’re a young, single adult — now may actually… Read More »Why Even Young, Single Adults Should Consider Life Insurance
In a world where traditional roles are shifting, more and more dads are stepping up in a powerful way — at home. Today, nearly 1 in 5 stay-at-home parents in the U.S. is a dad. But here’s the thing: while society is finally starting to recognize the importance of fathers… Read More »Life Insurance for Stay-at-Home Dads: Why It Matters More Than Ever
Life insurance is one of the most important financial decisions you’ll ever make. But for many people, the idea of undergoing a medical exam—bloodwork, urine samples, doctor checkups—can be overwhelming, inconvenient, or even disqualifying.That’s where no medical exam life insurance comes in. But is it a smart choice? Or are… Read More »Life Insurance with No Medical Exam: Is It Worth It?
If you or someone you love has a felony on their record, you might be wondering: “Can I still get life insurance?”The short answer? Yes — but it depends.In this honest guide, we’ll break down how life insurance works for people with felony convictions, which companies are more forgiving, what… Read More »Can Felons Get Life Insurance? The Truth Behind the Myths