September is Life Insurance Awareness Month

3 Sep
Life Happens is thrilled to have actress, model and mom Brooke Shields return as their spokesperson for this year’s Life Insurance Awareness Month (LIAM). This means in addition to her PSA, her powerful new message can be used to get the word out to the American public that there is no time to wait for people to protect their families with life insurance.

Brooke Shields says it best: “As an industry, you are truly meeting the moment to help people take control and gain greater financial peace of mind. They can protect what matters most…with life insurance.” Watch Brooke’s video>>

How a Couple Learned About Permanent Life at the Kitchen Table

2 Sep

Guest contributor: Jason Patterson, ALMI, ACS, is a life product analyst at Crump Life Insurance Services

“We just got a notice that my wife’s life insurance policy premium is set to triple.”

That’s what a friend told me when he realized that I work in the life insurance industry. I’m sure you can guess the issue – it’s a term policy about to enter into the annually renewable term phase. He didn’t understand what was going on and was looking for help, and their life insurance agent was missing in action. More>>

I’m Convincing my Fiancé to get Life Insurance Before our Wedding for Four Reasons

31 Aug

After my partner and I got engaged, we finally had some tough financial conversations that had been lingering between us for years. When we dated, we talked about our money situations quite a lot, but never from the perspective of how we’d one day blend our finances or plan for the future. More>>

What You Need to Know About…Underwriting Clients During a Pandemic

26 Aug

Guest contributor: Adrienne Wilson, FALU, ACS, FLMI, CLU, ChFC, is an underwriting consultant at Crump Life Insurance Services

The COVID-19 pandemic is widespread, affecting millions of people around the world as well as numerous businesses, including those in the life insurance industry.

While the full effects of the virus are still unknown and life insurance carriers are updating their underwriting guidelines on a regular basis, there are a few things to keep in mind — in terms of limitations and opportunities — when considering submitting a life insurance application during this unprecedented time. More>>

Keep Your Life Insurance When You Retire

24 Aug

Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially insulate the household against the loss of a breadwinner has passed. If you are thinking about dropping your coverage for either or both of those reasons, you may also want to consider the excellent reasons to retain, obtain, or convert a life insurance policy after you retire. Take these factors into account and consult with your financial professional before making a decision. More>>

50 Most Bizarre Laws in Every State

21 Aug

There’s no doubt about it: There are some crazy, bizarre state laws that exist in the United States. Sure, they may have made sense when they were written, but today these truly weird state facts about American laws are enough to make anyone question why they were created in the first place – not to mention that it’s illegal for a donkey to sleep in a bathtub in Arizona, or that you technically can’t send your friends a surprise pizza in Louisiana? More>>

Pandemic Rules and Underwriting – Does a Visa Equal a Decline?

19 Aug

Guest contributor: Greta Albright, AALU, ALMI, is senior underwriting consultant at Crump Life Insurance Services

As financial professionals continue to navigate underwriting changes in today’s pandemic environment and anxiously await the possibility of releasing some of the temporary restrictions placed on life insurance underwriting, life insurance underwriters are continually asked, “How can foreign nationals and foreign residents obtain life insurance?” More>>

Tips to Prepare for the Life Insurance Medical Exam

17 Aug

The idea of setting up an appointment for a medical exam for the sake of applying for a life insurance policy probably doesn’t sound like a great time. But don’t let the process deter you. You won’t have to overhaul your entire lifestyle to “pass” the exam and get the best life insurance quote possible. A few minor tweaks in the weeks and days leading up to your exam can really pay off in the long run. Here’s how you can prepare for a life insurance medical exam. More>>

Never Refrigerate These Foods Under Any Circumstance

14 Aug

Do you ever open your refrigerator and feel stressed by the cluttered shelves and drawers? It’s likely you’re stuffing grocery items into the cool temperatures without a second thought. When you’re mindlessly putting your kitchen staples into their places, you typically don’t wonder whether or not you’re storing them in the correct location. Instead, you rush to put them away and move on with your day. But the truth is, we need to pay more attention to where we’re storing our favorite food items. More>>