Still Watching Over Them

12 Sep

The Virgen family wasn’t convinced Teresa needed her own policy as a stay-at-home mom. It’s fortunate for their family that they changed their minds. Teresa died in a hit-and-run car accident, leaving the family to pick up the pieces, and her life insurance helped them do that. It has paid for bills while Nicolas was out of work for nearly two years recovering from his injuries and helped with kids’ college expenses. More>>

Switching Your Life Insurance

4 Jul

Life insurance coverage allows policyholders to take care of their loved ones financially after they pass away. Just as home and auto insurance provides peace of mind, life insurance allows policyholders to rest knowing that their beneficiaries will be more financially secure after their death. At times, life insurance policyholders may be interested in switching to a new insurance provider, potentially for a different type of policy or coverage amount. More>>

7 Truths About Disability Insurance

9 May

May is Disability Insurance Awareness Month.

What’s your most valuable asset? You may say your home, your retirement fund or even your car. Or perhaps you’d say family, friends or health. You wouldn’t be wrong. However, we often overlook one essential asset—you and your ability to earn an income and take care of your family. Consider the following seven truths about protecting your income. More>>

Here’s the Type of Insurance You’ll Need at Each Stage of Life, Experts Say

2 May
What type of insurance should you have at different stages of your life? When asked, financial advisors pointed to disability and life insurance as the most important kind of coverage at any stage, as they apply throughout our lives. In addition, advisors discussed often overlooked considerations for different points in your adult life. Here’s a look at some age-specific insurance advice, from your days at university to your golden years of retirement. More>>

How to Create an Estate Plan for Your Digital Life

11 Apr

You have probably given estate planning a lot of thought. You might have created a will or living trust. Perhaps you’ve made an inventory of your possessions and outlined your accounts. But have you considered what happens to your digital life after you’ve passed? More>>

How Does Life Insurance Work?

28 Mar

Life insurance is one way you can provide financial support for loved ones after you die. When you open a life insurance policy, you will pay a regular premium – often monthly or annually – in exchange for coverage. As long as your policy is active when you die, the insurance company will pay out a lump sum, also known as a death benefit, to the policy beneficiaries.

Even though many life insurance policies work the same way, each type has significant differences that further define how they work. These differences can include how long the coverage lasts, if the policy includes an investment component, and whether or not you can access funds before your death. Understanding these differences can help you select the best policy for your needs. More>>

Life Insurance for Parents

21 Mar

You’re on your way home from the hospital with your newborn baby. He or she is sitting in the car seat, taking in the world for the first time. Meanwhile, you’re taking every precaution, making sure that the car seat is secure and your little one is buckled in snuggly before you pull out of the parking lot.

As a parent, your baby’s safety is your top priority. There’s another important consideration for new parents who want to help protect their newborn — life insurance. More>>

Three Ways to Start a Conversation About Life Insurance with Your Family

31 Jan

Bringing up life insurance with your family and loved ones is not fun or easy. It makes us confront our “favorite” topics: death, finances, taxes, estate planning, debts, health care. But getting life insurance is an expression of love that goes beyond words. It shows your loved ones—with certainty—that you care about protecting their future.

Whether you need to have a life insurance discussion with a spouse, parent or other important loved one, starting the conversation can be the hardest part. To help you take the plunge, here are three ways to start a conversation about life insurance with your family. More>>

The Christmas Gift That Can Last a Lifetime

20 Dec

As the holiday season kicks into high gear, the “most wonderful time of the year” can quickly turn into a stressful one as you and everybody else are out and about looking for that perfect gift to give to loved ones. One gift idea that is often overlooked but has some long term benefits is life insurance! If you are a parent or a grandparent, getting a life insurance policy for your kids or grandkids is a great way to protect their future insurability and start them on a path to financial responsibility. Here are some additional reasons why you may want to consider giving the gift of Life Insurance this year! More>>