4 Life Insurance Myths to Rethink as an Empty-Nester

17 Jan

If your children are grown, the house is paid for and you’re about to retire (or already have!), it may seem like your time for life insurance has passed. Perhaps you feel that your savings and investments, along with Social Security, will take care of whatever lies ahead.

In fact, these misconceptions prevent many empty-nesters and retirees from purchasing or maintaining the life insurance coverage they need. If these four myths sound like you, you may want to think again. More>>

Buying Tips to Save Money on Life Insurance

10 Jan

If you’re buying life insurance, why not try to save a little money along the way? Check out these money-saving tips for buying life insurance. With a little help, you might be able to save money on the coverage you need to help financially protect your loved ones. More>>

Simple Ways to Start Budgeting In 2022

3 Jan

“I don’t want to be better with money,” said no one ever. Whether you consider yourself a spender or a saver or somewhere in between, the odds are, you’d like to have money left over at the end of the day. Sixty-five percent of Americans are considering a financial goal for the new year, with forty-four percent saying that saving money is their number one financial resolution (and speaking of New Year’s resolutions, we have a few tips for making them stick).

You might be thinking, “How does anyone get started with a budget? How do I save without giving up everything I like? How much should I be spending each month?” We’ll answer these questions in five steps. More>>

This Is the Year: Financial Resolutions That Work

27 Dec

January is around the corner and now is a great time to start thinking about financial goals and better spending habits. Resolving to be better with money would put you in good company: in 2021, 30% of Americans said they set a New Year’s resolution about living more economically.

With any resolution, it’s important to be realistic about what’s achievable. The best resolutions are the ones that you can stick to for the whole year, and hopefully beyond. It also helps to focus on small positive changes to your everyday habits rather than shooting for a big goal or making huge lifestyle changes. Try resolutions with defined goals and actions.

Here are a few of our suggestions for realistic, manageable financial resolutions for 2022: 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>>

43% Of Adults Have ‘Financially Cheated’ On Partners, Survey Finds

6 Dec

A poll from the National Endowment for Financial Education (NEFE) analyzing financial infidelity among U.S. adults finds that among those who report having ever combined finances in a relationship, two in five (43%) confess to committing an act of financial deception. Eighty-five percent of those individuals said the indiscretion affected the current/past relationship in some way. More>>

The Gift of Life Insurance for the Holidays

29 Nov

For many of us, those on our gift list may already have enough sweaters, candles and electronics to keep them warm and entertained for years to come. Finding a unique gift that shows how much you really care can be challenging. With life insurance, you can skip the long checkout lines and shopping mall traffic, and give your loved-ones a present that’s value may outlast the next novelty gift or fashion trend. Of course, life insurance may not be the right gift for everyone, but for the special people in your life consider buying a life insurance policy for them this holiday season. More>>

How to Pay for Long-Term Care When You Are Not in Perfect Health

22 Nov

A popular bit of advice is to purchase long-term care insurance in your 40s or 50s because you can get it when it is most affordable — and before you find yourself with health conditions that could leave you uninsurable. But what happens when you are diagnosed with an unexpected illness or become chronically ill at an early age — before you’ve had a chance to buy long-term care insurance? More>>

Three Surprising Facts You May Not Know About Long-Term Care Insurance

15 Nov

Among the most heart-wrenching pictures during the first months of the pandemic were images of the impact it had on our most vulnerable populations: our elders. Birthday parties through windows, the isolation of lockdowns – many people wished they were living in their own homes with the freedom that brings. The problem is that many people don’t plan for care. If you don’t have a plan for what can happen if you need care, it can cause stress – to your finances, your health and your family relationships. More>>

Buying Life Insurance at Work

8 Nov

While many people think of health insurance as the main benefit they get through their employer, chances are you have many additional options available to you – including life insurance. When you’re starting a new job or going through your employer’s annual enrollment for benefits, it’s easy to get overwhelmed with so much information thrown your way.
Life insurance is an important part of how you protect your family’s finances if the unthinkable happens, but can be an overlooked option when enrolling for benefits at work. More>>