The Funeral Rule Gives Families Real Rights. Most Never Use Them.
What the FTC Funeral Rule requires, how itemized price lists work, and a calm checklist families can use before costs are locked in.
Report Archive
Reports by Maria Alvarez
Covers policy renewals, final expense questions, auto and home coverage, and plain-English checklists for readers 55+.
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The Beneficiary Check Most Families Put Off Too Long
Why beneficiary designations go stale, what to review after a marriage, divorce, move, or death in the family, and how to check for a lost policy.
Pay-How-You-Drive Programs: A Fair Deal for Careful Older Drivers?
How usage-based auto insurance works, what it measures, when it tends to fit retired low-mileage drivers, and the privacy questions to ask before enrolling.
Term or Whole Life After 55: What Each One Is Actually For
A plain-English comparison of term and permanent life insurance for older adults: what each covers, how premiums behave, and the questions that expose a bad fit.
Burial Insurance or a Preneed Contract? They Are Not the Same Thing
The practical differences between final expense insurance and preneed funeral contracts: who gets paid, what is guaranteed, and what to ask before signing either.
Before Storm Season: Five Home Policy Details Worth Rereading
A pre-storm-season review of wind/hail deductibles, roof coverage rules, flood exclusions, contents documentation, and claim contacts.
Missed a Premium? What a Lapse Really Means and What To Ask Fast
How grace periods work, what reinstatement usually requires, and the questions to ask a carrier before letting an older policy lapse.
Senior Transportation Help: Rides, Driving Costs, and Local Options
A transportation checklist for reviewing driving costs, local ride options, medical transportation, and auto insurance changes.
Final Expense Insurance: Questions To Ask Before Buying a Policy
A plain-English checklist for reviewing burial and final expense coverage without pressure tactics.
Drivers 55+: Why an Auto Rate Can Change Even With a Clean Record
What to review before accepting another six-month or annual auto renewal.