ClearSaid
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Short animated guides, most under six minutes. No signup, no email wall, no phone number. Pick whatever's keeping you up at night.

4 min

Term life insurance

The simplest, most affordable life insurance: pure protection for the years your family depends on your income.

Life insurance

5 min

Whole life insurance

Lifetime coverage that builds guaranteed cash value. More expensive than term, and useful for very different jobs.

Life insurance

6 min

Indexed universal life (IUL)

Flexible permanent coverage whose cash value tracks a market index: powerful when designed well, risky when oversold.

Life insurance

6 min

Health insurance, decoded

Premiums, deductibles, networks, ACA subsidies: the vocabulary and the strategy for picking a plan that fits.

Health coverage

6 min

What happened to ACA subsidies in 2026

Premiums roughly doubled for subsidized households, the 400% income cliff is back, and a lot of last year's advice is now wrong. Here is what actually changed, with sources.

Health coverage

4 min

Disability insurance

Your income is your biggest asset. This is the coverage that protects it when illness or injury stops your paycheck.

Income protection

5 min

Long-term care

Seven in ten of us will need care later in life. Here's how families pay for it, and how to plan before it's urgent.

Planning ahead

6 min

Medicare, made simple

Parts A, B, C, D, plus Medigap. What each piece does, what it costs, and the deadlines that actually matter.

Health coverage

6 min

Annuities, without the sales pitch

The only product that can guarantee income for life, and one of the most misunderstood. When they fit, and when they don't.

Retirement

6 min

Retirement income planning

Saving is half the job. Turning savings into a paycheck that lasts 30 years is the other half. Here's the playbook.

Retirement

5 min

Estate planning basics

Wills, beneficiaries, and the five documents every adult needs, no matter how modest the estate.

Planning ahead