FREE EDUCATIONAL WEBINAR • MONDAY, AUGUST 31, 2026 • 9:00-10:30 PM EASTERN
Life Insurance 101 • Live on Zoom

Life Insurance 101

Demystifying one of the best tools for Wealth Building

Life insurance can feel complicated long before it needs to. This class is a practical conversation about what the coverage is designed to do, how the major policy types differ, and what questions are worth asking before you buy, replace, or review a policy.

45 minutes of teaching35 minutes of Q&AFree workbook
Family discussing financial plans togetherLIVE ON ZOOM

Join us Monday, August 31

TIME9:00-10:30 PM Eastern
FORMATLive Zoom webinar
PRESENTERKinji R. W. Ridley, MBA, CFEd
COSTFree access
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What we’ll talk about

Start with the need. Then make sense of the policy.

We are not going to race through product names. We’ll build the decision from the ground up so the terms have somewhere to land.

01

How much coverage?

Build a starting protection gap from income, debts, family goals, permanent needs, and resources you already have.

02

Term vs. permanent

Understand why the time horizon matters and where term, whole, universal, indexed universal, and variable life differ.

03

Cash value

Learn what cash value is, what policy access can do, and why loans and withdrawals deserve a before-and-after review.

04

Guarantees & illustrations

Separate contractual guarantees from assumptions that can change over time.

05

Living benefits

Read the trigger, amount, cost, and effect on the remaining policy instead of relying on the headline.

06

Underwriting & ownership

See what the insurer may evaluate, why application accuracy matters, and how beneficiaries and ownership control policy outcomes.

Advisor speaking with a couple
How the class is taught

Plain language. Real questions. No rush.

The webinar is designed to sound like a good conversation at a kitchen table — not a sales presentation.

5 minutes — WelcomeSet the goal, the ground rules, and the learning plan.
45 minutes — TeachingBuild the coverage conversation step by step.
35 minutes — Q&AAsk general questions live; keep personal details private.
5 minutes — CloseLeave with a practical 30-day action plan.
Why life insurance can matter

The policy is a tool. The job is what matters.

Life insurance can create cash at a time when a family or business may have lost income, caregiving, leadership, or options.

IncomeHelp replace financial support for people who depend on you.
DebtCreate cash for a mortgage, loans, or other obligations.
ContinuitySupport family or business plans that need time to adjust.
LegacyFund a planned gift, inheritance, or permanent liquidity need.
Already own a policy?

Review it before you replace it.

Sometimes the answer is a beneficiary update, a funding change, a conversion decision, or simply a better understanding of what you already have.

Current death benefit and premium
Guaranteed vs. non-guaranteed values
Cash value, surrender value, loans, and withdrawals
Riders and living benefits
Owner and beneficiaries
Conversion, renewal, or maturity deadlines
Couple reviewing policy documents with an advisor

Your attendee giveaway: Life Insurance, Plain and Practical

A workbook you can keep using after the webinar to inventory coverage, build a starting protection gap, compare policy types, review beneficiaries, and organize your next questions.

Download the Workbook
After the webinar

Ready for a personal coverage conversation?

The no-obligation application gives Community Solutions a secure starting point for fact-finding and underwriting. Submitting an application does not obligate you to purchase coverage. Eligibility, pricing, product availability, and final coverage are subject to carrier underwriting and approval.

Start the No-Obligation Application
Application QR codeScan to begin
Frequently asked

A few things to know before you join

Is this a sales webinar?

No. The session is structured as an educational class. There is an optional no-obligation application for people who decide they want a personal coverage conversation afterward.

Do I need to know anything about life insurance already?

No. We start with the basics and build from there.

Can I ask about my personal policy?

You are welcome to ask general questions during Q&A. Keep personal health, policy-number, beneficiary, tax, and private financial details out of the public Zoom chat.

Will I receive anything after the webinar?

Yes. Attendees receive the Life Insurance, Plain and Practical guide and workbook.

Bring the question you’ve been meaning to ask.

You do not need to arrive with the answer. That is what the conversation is for.

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