Category Archives: Life Happens

16 commonly misunderstood insurance words

16 Jan
Underwriting, premiums, contestability period—terms like these can make insurance words seem foreign. Fortunately, a good insurance professional can help you understand everything. So can the definitions below. Read on to understand some commonly misunderstood insurance words. More>>

5 Questions Single Parents Have About Life Insurance

9 Jan

Parenting is a challenging but rewarding journey for anyone embarking on the adventure. And the journey can be even more challenging when you are a single parent. This is especially true when it comes to making financial decisions.

Single parents often have unique questions when it comes to life insurance. Let’s look at some of the most common questions advisors hear from single parents. More>>

I’m Gen Z… Do I Need Life Insurance?

19 Dec

Gen Z adults are between the ages of 18 and 24 today… they’re young and healthy overall. So if you’re part of this generation, you may be thinking, why would I need life insurance?

But life happens. Life insurance can still be beneficial in case of sudden death, illness or other tragic and unforeseen circumstances. Knowing the different types of life insurance available is the first step in deciding what works best for your lifestyle. More>>

5 Benefits of Life Insurance for Retirees

12 Dec

Many retirees have reached the point of financial security and might not consider life insurance important. Others might feel they don’t qualify or can’t afford the premiums. There’s also a misconception that life insurance is only for people with young families, dependents or those with significant debts.

While some people may be more likely to see the need for life insurance than others, retirees still have many benefits. More>>

10 Advantages of Hybrid Life Insurance with Long-Term Care

21 Nov
You probably know about hybrid cars. But do you know about hybrid life insurance?

This coverage combines long-term care and life insurance into one policy. Like hybrid cars, these hybrid policies are increasingly popular. That’s because they have some unique benefits. More>>

4 Tips for Applying for Life Insurance After a Breast Cancer Diagnosis

10 Oct
October is Breast Cancer Awareness Month. Here are four tips for getting life insurance after a breast cancer diagnosis. More>>

Affordable Financial Security

3 Oct

As Hispanic Heritage Month unfolds, we feel it’s important to ensure that the Hispanic community understands and takes full advantage of the financial tools that can help safeguard their families’ financial well-being.

A key piece in that financial toolkit is life insurance. And here’s why: It’s often overlooked. Most people don’t think—or want to think—about death or not being there for their loved ones.

But it does happen. More>>

5 Myths the Hispanic Community Has About Life Insurance

26 Sep
Insurance professional and Mexican American Monica Rangel works hard to educate the Hispanic community about life insurance.

The founder and CEO of Efficient Financial and Insurance Solutions in Brea, Calif., regularly helps members of her local community get life insurance coverage. Here are the biggest misconceptions she encounters from her Hispanic clients. More>>

Hispanic Heritage Month—and Beyond

15 Sep
We know that the need for life insurance continues to grow, according to the 2022 Insurance Barometer Study, by Life Happens and LIMRA.

In fact, 44% of Americans would feel financial hardship within six months if their household’s primary earner died, with one in 10 saying it would only be a week.
Our same survey also shows that the need for life insurance is heightened in certain communities, with the Hispanic community expressing the highest need: 51% say they need life insurance or more of it.

That is why, as we look toward the start of Hispanic Heritage Month on September 15, we are offering a full suite of resources in Spanish and English, in keeping with Life Happens’ ongoing commitment to reaching the Hispanic community. More>>