Assigning Minors As Your Beneficiaries? Here’s What You Need To Know

Your children or grandchildren are your entire world, and we know you want to be there for them and provide for them as long as you possibly can. One of the many ways you can do this is by purchasing a life insurance policy and listing them as the beneficiaries, so you know the money…

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What Life Insurance Company Ratings Mean

Think about how you make most of your purchasing decisions. These days, most of these decisions are based on ratings, like online reviews. You want to work with companies that are highly rated, whatever you’re looking to buy - and life insurance companies are not excluded. But when it comes to life insurance companies, it’s…

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Don’t Just Let Your Policy Renew, Review It First!

More than likely, you have a bunch of contracts that you allow to renew each year, like your cell phone bill, car insurance, internet, etc. and you don't even think twice about it. Sometimes it's just easier to allow things to renew without reviewing them, or maybe you just simply forget about reviewing all of…

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How Does Debt Impact Life Insurance?

If you have debt, then you know how stressful it can be - and debt is a big issue for many people in the U.S. In fact, the average personal debt for an American is a whopping $90,000! And if you are one of the many people saddled with all of this debt, you probably…

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8 Expenses That Life Insurance Covers

Life insurance is more versatile and useful than you might think. Not only is it important to have as a financial safety net for your family, but depending on the type of policy you have, you can also borrow money from your policy and use it for unexpected expenses. This can be very helpful if…

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Can Shopping for Life Insurance Online Save you Time and Money?

If you’ve realized that life insurance is important and worth looking into, that’s great! But are you starting to feel a little anxious about where to start looking, and how to begin comparing plans? Fortunately, you have the ability to shop online with ease and comfort these days - but how do you know if…

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Does My Driving Record Matter When Buying Life Insurance?

Your driving record may not seem like a big deal, but it can affect your life in certain ways. For example, if you have accumulated points on your license, the price of your car insurance will go up - but did you know that your driving record can also impact the price of your life…

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How Life Insurance Can Benefit Same-Sex Couples

The LGBTQ+ community has fought for a long time to get the same rights as everyone else in America, and slowly, they have had their victories, including the right to marry. Same-sex couples made up nearly 1 million U.S. households in 2019, with almost 60% of them married, and the numbers of married same-sex couples…

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Primary vs. Contingent Beneficiaries

There are a lot of things to think about before you purchase a life insurance policy, including what kind of policy you want, how much cash value you are looking for, how long the policy will last, and, not least of all, who will be the beneficiary of your policy, or the person who will…

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Keep Your New Year’s Resolution to Save Money With This Financial Checklist

The new year is here, and you’ve probably made some New Year’s Resolutions, right? Maybe you want to get healthier or break bad habits, but what about improving your finances and making sure your family is going to be financially secure in the future? These things should be just as high on your list of…

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When Should You Cancel a Life Insurance Policy?

When you think about protecting your family and their future, what comes to mind? At the top of your list should be life insurance. But after you’ve made the leap and purchased a policy, what happens if there are issues with it, or what if it doesn’t end up meeting your needs as you go…

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Need Extra Cash? You Might Be Able to Borrow From Your Life Insurance Policy

Sometimes things happen in life, and you could end up with debts that are difficult to repay without a little help. If you’re looking for some extra cash, have you ever considered that you could borrow from your life insurance policy? Yes, it is possible to borrow from your policy - that financial cushion is…

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Is there an Age Limit for Life Insurance?

Life insurance is important to have no matter what stage of life you are in, whether you are just starting a family or retiring. But a question that often gets asked is whether you can be is there an age limit to buy life insurance? Can you be too young to buy life insurance? Or…

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Common Health Conditions that Affect Life Insurance Rates

Roughly 133 million Americans – nearly half the population – suffer from at least one chronic condition, such as hypertension, heart disease, or arthritis. That’s a lot of people - so that many people can’t all get denied life insurance, right? The short answer is no, because there are so many different types of life…

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Whole life VS Universal life insurance

Choosing the right life insurance policy for you is a big decision. You want to properly protect your family, and there are so many life insurance policies to choose from! A good place to start, though, is with the most popular types of life insurance: permanent and term life insurance policies. Of those two, permanent…

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Don’t Let One Of These Reasons Stop You From Buying Life Insurance

It happens way too often. You’re presented with an opportunity to get life insurance, whether through work or from your insurance company - you briefly consider it and then ask yourself, “Do I really need this extra expense?” and ignore the offer.  Money might be one reason why you’ve chosen not to get life insurance,…

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5 Signs It’s Time to Get Life Insurance

There are many reasons to buy a life insurance policy. All of these reasons might apply to you, or maybe just one of them, but no matter what stage of life you are in, a life insurance policy is a helpful and even necessary thing to have. In fact, 59% of people who don’t own…

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Does Marijuana Use Affect Your Life Insurance Rates?

Over the past couple of years, marijuana has been legalized in more and more states, meaning marijuana use has become more common. And, while many people are now more accepting of the use of it, there are still some instances in which using the drug can be used against you. For example, some life insurance…

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