So, What Happens to Your Life Insurance After You Die?

20 Mar
Loss of life

Getting life insurance is a no-brainer, as it can provide your family and loved ones with crucial financial protection if you pass away. But how exactly does it work? And by that, we mean how does it “kick in” and provide the benefits once you die? Let’s explore this question and more. Learn more

28 Fun St. Patrick’s Day Activities That Kids and Adults Will Love

17 Mar
Happy St. Patrick's Day

“Lá Fhéile Pádraig sona duit!” This phrase translates as “happy St Patrick’s Day to you”. It’s time to sham-rock and roll! St. Patrick’s Day is here, which means you’re most likely gearing up for a day full of festivities, fun, and, of course, a Guinness or two. Whether you have Irish blood or enjoy wearing green and celebrating the patron saint of Ireland, there are so many fun ways to celebrate on March 17. More>>

Estate Planning for Women: The Opportunity to Attract and Assist This Underserved Market

15 Mar
Estate Planning for Women Podcast

Guest contributor Eileen Shovlin is a business development director at Crump Life Insurance Services.

It has been widely publicized that there has been a considerable shift in wealth in the U.S. for women. What’s not often discussed is how underserved women are regarding financial planning. That’s why we call on Crump’s Eileen Shovlin for perspective, statistics, and advice on how as an industry, we can better serve women. Podcast>>

What Is the Average Walking Speed and Jogging Speed?

10 Mar

Getting started with a new walking or jogging routine can be exciting and nerve-wracking. It’s only natural after a walk or two to wonder, “Am I doing this right? Am I walking fast enough? Should I be jogging or running, instead? How do I compare to other walkers and joggers? What even is the average walking speed?” More>>

VULs can be the SUVs of life insurance

8 Mar

Guest contributor John Gray is a director of sales at Crump Life Insurance Services.

The minivan was a mainstay of American society for good reason. It is a reliable people-mover and handy for a trip to the hardware store. Minivans are full of hidden compartments, easy to get in and out of, and comfortable. But the sport utility vehicle, in many ways, takes what a minivan can do and adds more power and flexibility.

In many ways, indexed universal life insurance and variable universal life insurance can fulfill the same roles for most clients. But like SUVs are to minivans, VUL can offer more power and flexibility than a traditional IUL policy. More>>

How to Regain Your Financial Footing When Life Gives You Lemons

6 Mar

Despite the best-laid plans, life has a way of throwing curveballs. When it does, money complications tend to follow. Curveballs like divorce and death can be especially hard to handle, and adding financial uncertainty increases stress further still. While you can’t prepare for everything, we spoke with Andrea Hohler, a financial professional, and Reshelle Smith, a certified financial planner and transition money professional, for advice on making those curveballs more manageable. More>>

LIMRA: From Intent to Action: Creating Financial Security for Black Americans

1 Mar

The impact of COVID-19 continues to weigh on Black Americans. According to LIMRA’s latest Consumer Sentiment Study, while Americans’ overall concern about COVID has dropped by half to 25% compared to a year ago, 4 in 10 Black Americans continue to express heightened concern about COVID-19, and 41% report high levels of financial stress in early 2023, compared with just 32% of the general population.

One of the ways Black Americans can improve their sense of financial security is by owning life insurance. According to the 2022 Insurance Barometer Study, 68% of Black Americans who own life insurance feel financially secure, compared to 47% of uninsured Black Americans. More>>

9 tips for creating a home that is safe for aging in place

27 Feb

It’s never too early to start thinking about how your home can adapt to meet your changing needs over time, as well as what modifications might be required to make it safer, easier to use, and more accessible, says Melissa Birdsong, an interior designer and the board chairwoman of Raleigh Village East, a nonprofit organization focused on helping people age in place.

“Plan it, do it, and enjoy the benefits of a home that is easier to use now,” says Birdsong, 73. “And remember that you can make these changes and still maintain the style of your home. A safe home will increase its value and be more comfortable and more accessible for you, for other seniors who visit you, and for family members of all ages.” More>>

6 Ways to Reduce the Health Risks of Sitting All Day, According to Experts

24 Feb

For many Americans, the workweek means long, uninterrupted stretches of time spent sitting in front of a screen. Unfortunately, extended periods of physical inactivity are a leading cause of disease and disability, the World Health Organization (WHO) warns.

But how, exactly, can you offset the serious side effects of sitting when the workday demands your focus? Read on for six simple tips on reducing the health risks of sitting all day, as recommended by doctors. More>>