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David Krauser

You First Financial

A client once asked, "Would you give this advice to your parents?” You First Financial gives advice as if you were family. You First Financial was founded on fiduciary values, and we will always put your best interests first. You will get education and guidance as opposed to a sales pitch.

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David Krauser You First Financial
YouFirstRetirement.com
Resident license: 560998
Licensed states:
Utah
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ANNUITY
How To Balance Helping Your Parents Retire And Saving For Your Own Future
• 11 min read
If your parents are nearing retirement, you might find yourself beginning to wonder what their plan is for living off of their savings — or if they even have any savings to live off of.According to a 2020 AARP report, al...
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LTC
How Long-Term Care Insurance Works
• 11 min read
To purchase a long-term care policy, you will fill out an application and answer any questions. The insurer may ask for your medical records and interview you by phone or face to face. You will then choose the amount of coverage you desire. You begin...
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IUL
Indexed Universal Life (IUL) Insurance: What It Is and Whether It's for You
• 11 min read
What is an IUL? An IUL is a type of permanent life insurance, meaning it can accumulate cash value and provide a death benefit. Like other types of whole life policies -- including universal life insurance and variable universal life insura...
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LIFE
What To Do When When A Life Insurance Company Wants To Buy A Policy Back
• 11 min read
I recently received another communication from a life insurance company looking to purchase back from the policy owner a life insurance policy issued years earlier. Offers like this happen periodically, but this is the first time I’ve seen it fr...
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LTC
Long-Term Care Insurance For Those Lung Cancer
• 11 min read
When you are diagnosed with lung cancer, you may want to explore options for covering expenses that might arise as you need assistance in your daily life. This might be a home health aide, assisted living, or nursing home care. These are all forms of...
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LTC
Turning 60? Smart Money Moves You Can Make Today
• 11 min read
Those nearing retirement have many factors to consider, but by making a few financial decisions early on, you can protect yourself from the risks that lie ahead. Begin thinking about long-term care, medical insurance, and retirement spending before s...
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LIFE
Mortgage Protection Insurance: When Do You Need It?
• 11 min read
For many people, being a homeowner is the greatest achievement in life. But if you become disabled or suddenly pass away, your family could fall behind on mortgage payments, eventually leading to foreclosure.However, some safeguards ca...
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LIFE
Term vs. Whole Life Insurance
• 11 min read
Life insurance benefits your loved ones when the inevitable happens. While it can be tough to think about your own demise, choosing the right term or whole life insurance policy can protect your household and allow you to leave a legacy to those you...
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Newsletter
IUL
What Is Universal Life Insurance?
• 11 min read
Choosing the best life insurance policy for your needs depends on factors such as whether you want to invest a portion of your premium and who relies on your income. A type of permanent life insurance policy, universal life insurance offers more flex...
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Newsletter
LIFE
Life Insurance for Smokers — and Quitters
• 11 min read
If you’re a smoker, you probably already know the habit comes with health risks that can be costly. Cigarette smokers are 15 to 30 times more likely than nonsmokers to get lung cancer or die from it, according to the Centers for Disease Control...
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