Alexander Ewert | Life Insurance Expert | California

By Alexander Ewert Published on January 7, 2026 When choosing life insurance, the two most common options are term life  and whole life  (a type of permanent insurance). Term life is like renting coverage for a specific period, while whole life is like owning it for life with added investment features. The right choice depends on your needs, budget, and financial goals. Here's a straightforward breakdown to help you decide. Key Differences at a Glance Here's a side-by-side co

By Alexander Ewert Published on January 7, 2026 Life insurance is one of those financial tools that nobody likes to think about, but it's essential for protecting your loved ones from unexpected hardships. If something happens to you, the right policy can cover debts, replace lost income, and even fund future goals like your kids' education. But how much coverage do you actually need? Too little, and your family might struggle; too much, and you're wasting money on premiums.

By Alexander Ewert Estate Planning & Wealth Transfer Specialist Published: January 2026 As an estate planning advisor who has spent more than fifteen years helping ultra-high-net-worth families preserve and transfer wealth across generations, I am often asked, “How do we own life insurance and other assets in a way that removes them from the taxable estate while still retaining some practical access to cash values during lifetime?” The answer almost always lies in one (or a c

By Alexander Ewert Founder of TrueShield Insurance LLC December 16, 2025 As Alexander Ewert , an independent life insurance advisor and founder of TrueShield Insurance LLC, I've built my career on the freedom to shop multiple carriers for the absolute best fit for my clients. Alexander Ewert often gets asked about the difference between captive agents and independent agents—especially from new advisors or clients wondering why working with someone like Alexander Ewert matters

By Alexander Ewert, Founder of TrueShield Insurance LLC December 16, 2025 As Alexander Ewert , an independent life insurance advisor with years of experience guiding high-net-worth clients through complex coverage decisions, I've seen firsthand how lapse rates impact families. Alexander Ewert founded TrueShield Insurance LLC to provide transparent, client-focused advice, and today, Alexander Ewert wants to shed light on a critical industry reality: most life insurance policie

By Alexander Ewert Published: December 11, 2025 Hello, I'm Alexander Ewert , and today I want to share a powerful strategy that has fascinated me for years: how the Rockefeller family built and preserved massive generational wealth using life trusts and permanent life insurance. As Alexander Ewert , I've studied this approach deeply because it offers a blueprint for anyone serious about creating a lasting financial legacy. In this post, Alexander Ewert  breaks down the "Rocke