The Insurance Diva

09/07/2026

Sometimes, finding a job right now feels like an impossible mission with all the ghosting and rejections. It’s so easy to get discouraged, but you seriously can’t let it get to your head. Just keep pushing and putting yourself out there, because that offer letter is definitely coming.

09/07/2026

Day 7 of Life Insurance Awareness Month!

Underestimating your life insurance needs can lead to significant financial strain for your loved ones. This is a common pitfall, with many people purchasing less coverage than they require. So, what are the key considerations in choosing the right life insurance policy? Firstly, it is essential to recognize that there is no one-size-fits-all policy. Life insurance premiums vary substantially, and your needs must be matched to the product you ultimately select.

A number of variables – your income, debts, family size, and long-term expenses – affect your insurance needs. As your life changes – marriage, children, major career changes, and adding to your house – your insurance needs change with it. A broad rule of thumb can be misleading and downright dangerous. You could either underinsure yourself, leaving your loved ones deeply in the red, or overinsure, and make yourself poorer than you have to be.

But to ensure you have enough to meet your needs, you must look closely at your financial picture. You might want to contact a financial adviser who can review your situation, considering all the variables that could impact how much life insurance might make sense for you. That way, you can rest easy knowing you’ll have the coverage you need, but you won’t fall into the numerous traps that people are fooled into with life insurance. Your life and financial situation are constantly changing, so your insurance coverage should be changing along with them.

09/07/2026

Day 6 of Life Insurance Awareness month!

There are several types of Life Insurance products

*Term Life - Term life insurance is a type of life insurance policy that has a specified end date, like 10, 20, 30, or 40 years from the start date. Term Life is inexpensive compared to Whole Life and Index Universal Life. There is an option Return of Premium rider on Term Life Insurance.

* Whole Life - Whole life insurance is permanent life insurance that will last for the rest of your life that also builds cash value. It is more expensive then Term life Insurance.

* Universal life insurance is a type of permanent life insurance, which means it offers lengthy coverage and builds a lot of cash value over time. Universal Life Insurance differs by their flexibility, allowing you to adjust your premiums and death benefits. You may also be able to realize higher interest rates on the growth of the cash value and use that cash value to pay for premiums.

* Variable life insurance is a permanent life insurance product with separate accounts comprised of various instruments and investment funds, such as stocks, bonds, equity funds, money market funds, and bond funds. This Life Insurance product, it is a chance you can lose money if the market crashes. It is not protected with the Market declines.

* Simplied Issue Life Insurance - Simplified issue is a type of life insurance that doesn't require a medical exam. In most cases, you will get a instant decision or get a decision within 7 business days, depending on your health history.

* Guaranteed Issue Insurance - Guaranteed issue life insurance, is a type of whole life insurance policy that does not require you to answer health questions, no medical exam and the Insurance companies WILL NOT check your Medical Information Bureau nor will they run a prescription check on you.

* Group Life Insurance - Group life insurance is a type of term life insurance plan purchased by an employer or organization to cover an entire group of people. If you have life insurance do your job, you do not have Life Insurance on yourself, your employer has it on you. With group life insurance, you as an employee never sees your policy and have no control over it. These are just a couple of reasons why you should have a policy that you own (outside of work).

* There are 2 types of Life Insurance policies that are not listed on the flyer.

*Accidental Death Life insurance: An accidental death benefit can be purchased as a standalone life insurance policy or as a supplemental policy rider. On this type of policy, Insurance companies will only pay out if someone died in an accident ONLY. Accidents are the 3rd leading cause of deaths. This is important, as accidents are hard to predict and can lead to financial struggles if a sudden death occurs and with a Accidental Death policy, you can help protect your family’s financial security should a fatal accident happen.

* Index Universal Life Insurance (IUL) Indexed universal life insurance, or IUL, is a type of universal life insurance. Rather than the cash value portion growing on a fixed interest rate, it’s tied to the performance of a market index, like the S&P 500 but the good thing about the IUL is you won’t lose money when the market has a downturn. This is because a guarantee applies to your principal, insuring it against losses. You can also become your own bank with an IUL.

If you have any questions with any of the life insurance products that are listed, don't hesitate to schedule an appointment with me at www.bookwithlatasha.com

09/02/2026

1st day of Life Insurance Awareness Month!
What is Life Insurance? Life insurance pays a sum of money to your beneficiaries, which can help cover lost income or pay off debt, either before passing away, after passing away, or even BOTH!
Old Term Life Insurance - Basic death Benefit Protection and maybe an Accelerated Death Benefit Endorsement for Terminal illness. (up to 6 months life expectancy)
New Term Life Insurance - New Term Life Insurance is about offering value for less, which may include:
* Death Benefit Protection
* Accelerated Underwriting or Instant Decision, which is FASTER, EASIER, & LESS INVASIVE
* Lower Rates
* Convertibility options - Easily convert to a Permanent policy many times without Medical exams.
* Living Benefits - Critical, Chronic, and Terminal Illness (up to 24 months life expectancy)
If there are any questions about how life insurance works, feel free to schedule an appointment with me at www.bookwithlatasha.com

09/02/2026

FREE I.T./Cybersecurity Training – Per Scholas 🚨

If you've been wondering about Per Scholas and whether it's actually worth it — I graduated from the program last year, and I had to share. It's completely FREE. No tuition, no loans, no catch.

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📌 Includes live Zoom lectures and training twice a week
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Basic eligibility:
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✅ High school diploma or GED
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I came in with zero IT background and walked out with real credentials and a completely new career path. If you've been thinking about breaking into tech or cybersecurity without the huge upfront cost, this is genuinely one of the best doors in.

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I've been really impressed with my experience and think you will be too.

07/27/2026

If everything goes as planned, I will be defending my dissertation with my mentor and two committee members by the end of the year. Lord, help me with this step because I know I will be so freakin nervous. After defending my dissertation, I will be finished with my PhD after approval from the Dean. Dr. Latasha Fleming, PhD will be my new name soon

07/21/2026

Have you looked at your Homeowners insurance policy lately? Some items are not covered. If it's covered, there is always to a certain limit and the limit might be enough.

07/06/2026

Good afternoon fam! Today has been a very productive day. Grading assignments, working on my dissertatiion and recreating a new resume & cover letter. Y'all have a great & prosperous week ahead.

06/24/2026

BOOM! I am 98% done with this challenging Ph.D. journey, and I can hardly believe how far I've come. After countless hours of research, writing, and overcoming numerous obstacles, I am finally nearing the finish line. This Ph.D. has tested my perseverance, creativity, and resilience in ways I never imagined. From grappling with complex problems to navigating the ups and downs of productivity slumps, every step has been a learning experience. I’ve expanded my knowledge deeply in my field, collaborated with others, and pushed through moments of doubt and fatigue. Now, with just a small fraction left to complete, I feel a tremendous sense of accomplishment and excitement for what lies ahead. The finish line is in sight, and I’m ready to cross it with pride!

06/19/2026

I'm your Local Insurance/Financial Diva.