October 6, 2025
73% of consumers can’t distinguish universal life (UL) variants from whole life—costing $10,000+ in lost cash value yearly, per the
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Choosing the right Primary Care Physician (PCP) cuts healthcare costs by 22% and reduces ER visits by 37%, according to
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Feb 2025 Update: 65% of American families are underinsured by $300,000, relying on guesswork instead of actuarial methods (LIMRA 2023).
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73% of Americans with employer health plans can’t tell the difference between coinsurance and copays—costing families $840+ annually in unexpected
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Car insurance premiums surged 12% in 2023 (Insurance Regulatory Study), leaving drivers to contest unjustified hikes or find cheaper coverage.
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Updated August 26, 2025 – Life insurance premiums rise up to 8% annually after 40, according to CDC guidelines and
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