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The CEPHER Blog

Insurance education for business owners, homeowners, and families.

Life insurance dividends through every crash since 1929

Life Insurance Dividends Through Every Crash Since 1929

October 16, 2026

The raw numbers: every US recession since 1929, eight market crashes, and the dividend records of five big mutual life insurers. Interactive charts included.

Term vs. whole life

Term vs. Whole Life

October 13, 2026

The two main types of life insurance, explained simply. What each one does, what each one costs, and which one fits your family.

1 in 4 families never has this talk

1 in 4 Families Never Has This Talk

October 12, 2026

One in four families has never talked about inheritance. Here is how to have the conversation, and how life insurance turns it into a real plan.

Your biggest asset isn't your house

Your Biggest Asset Isn't Your House

October 11, 2026

Ask most people what their biggest asset is and they will say their house. They are wrong. It is your paycheck, and almost nobody protects it.

The 3 gaps in most family plans

The 3 Gaps in Most Family Plans

October 10, 2026

Every family financial plan has three gaps. Most people only cover one of them. Here is how to check your own plan honestly.

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Shane Armstrong, CEPHER Life

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