Recent Articles By Mel Duvall

Average term life insurance rates by age, gender and health
Average annual rates for a $500,000 20-year term insurance policy are $571 for a 45-year-old non-smoking female in good health and $741 for a 45-year-old male. Rates jump to $4,168 and $7,447 respectively, as you reach age 65.
Medicare Advantage program gets an overhaul – here’s what you need to know
Recently announced changes to Medicare Advantage programs target overbilling practices, but the agency says overall funding will rise. Here’s what you need to know.
Life insurance for people with risky occupations
These occupations come with more risk to their workers, and life insurance companies know this all too well.