It’s no secret that insurance companies don’t always have your best interest at heart. Sometimes, they try to sell you the wrong type of policy or more coverage than you need. This is true for all kinds of insurance, but today we’re talking about life insurance. It’s important that you, as the consumer, understand your … Read more
Sure, you know you will die someday. But you will be so old by then that you’ll be ready to go. Oh, and rich. You’ll also be rich. So who needs life insurance? But, as you know, life doesn’t always go the way we plan. Sometimes people die before their time and life insurance is … Read more
In recent years, the public perception of marijuana use has shifted dramatically. Marijuana use is commonplace and the surge of states legalizing marijuana around the country grows with each election year. This map of marijuana legality by state gives you updated information for the state that you’re living in or hoping, perhaps, to move to … Read more
Purchasing life insurance can be a very big decision. And, depending on a lot of different factors, can possibly cost you more than you think. This is especially true if you are overweight. That’s why today I’m looking at how being overweight can affect your life insurance rates, negatively, in most cases. And I’m also sharing … Read more
If you’ve decided that you need life insurance, the next step is to secure coverage. Before you apply, it is important to understand what could prevent you from finding coverage. With a better understanding, you’ll be able to seek out options that will make sure you are approved. I will dive into the details of … Read more
As a parent, you’ve likely considered life insurance to protect your own dependents. In that case, you would likely buy a term or whole life policy to provide a benefit to your child in the event of your death. It works out well because your child is financially provided for even if you are no … Read more
One of the common misunderstandings about life insurance policies is that they’re fairly generic. That is, they provide a basic death benefit in exchange for a specific premium. If that sounds kind of one-dimensional, that’s because it is. But it’s not the reality of life insurance today. Through the use of life insurance riders, you … Read more
COVID-19 upended the world in 2020. So it’s no surprise that the severity of the disease has people contemplating their mortality, however uncomfortable. That has left many people looking into purchasing life insurance if they don’t already have it. And people that already have life insurance may be considering buying more. Unfortunately, COVID is impacting … Read more
One impact of the COVID-19 pandemic has been a drop in medical visits among Americans. A study by the Cleveland Clinic found that 85% of Americans were afraid of contracting the virus in a healthcare setting, causing many to skip visits altogether. On the other hand, people are also recognizing the need for long-term financial … Read more
Most people don’t get a formal education in how to buy life insurance or even think about it much, so it’s easy to make some errors when finally getting a policy. These mistakes might not be totally devastating, but they can cost you a lot of money and hassle, and in extreme cases, they’ll result … Read more
The medical exam may seem like the most intimidating aspect of buying life insurance, but it’s actually simpler and quicker than a typical doctor’s appointment. Contrary to some misconceptions, most insurance carriers won’t automatically deny you coverage for less-than-perfect health and lifestyle habits. Instead, they use the testing process to get an overall picture of … Read more