6 Tips to Help You Spring Forward in 2021

12 Mar

Most of us look forward to springtime, but not to losing the hour of sleep when clocks spring forward.

March 14th kicks off daylight saving time and clocks will be turned ahead one hour. Losing that one hour of sleep can affect productivity, concentration, and both physical and mental health. Fortunately, our sleep experts have some simple tips we can use to help us adjust to the time change. And that can help us minimize the accidents and health problems that are linked to it. More>>

COVID-19 Pandemic Motivates Younger People to Buy Life Insurance

10 Mar

Consumers’ pandemic shopping lists went beyond baking flour and exercise equipment in 2020. They also bought more life insurance. Applications for life insurance policies jumped 4% in 2020 in the U.S., the highest year-over-year annual growth rate since 2001, when MIB Group Inc., a member-owned organization, began tracking activity. More>>

COVID Sparks Life Insurance Revival

9 Mar

COVID-19 will be best remembered as a difficult time in American history: More than 450,000 deaths, soaring unemployment and shuttered businesses. But the pandemic has also altered the American psyche, with people rethinking how they live, work, socialize and spend money. They’re paying down debt and buying life insurance. Yes, life insurance, a product that before the pandemic had been suffering from a long-term slide. That’s not to say life insurance wasn’t important. More>>

Why Women Need Life Insurance

8 Mar

Today, women have more financial responsibilities than ever before. How will your family or loved ones manage financially if you die? Whether you are single, married, employed, or a stay-at-home mom, you probably need life insurance. At the very least, life insurance can help pay for the costs of funeral and burial services, estate administration, outstanding debts, estate taxes, and the uninsured expenses of a final illness. More>>

Films That Did the Best and Worst Jobs of Predicting the Future

5 Mar

The march of time means many things, for example, its constant reminder of how old we’re all getting. However, another aspect of time inevitably speeding forward is that some movies set in “the future” are no longer so futuristic. Enough time has passed that they are now technically set in the past. Some of them did a decent job of predicting the future, but in truth, few movies did a legitimately good job, so we are judging on a sliding scale. Others, meanwhile, were way off by any standard. Here are 10 films we think did a solid job of predicting the future and 10 that were just a bit off. OK, some of the “good” predictions are a bit of a stretch. Shockingly, movies that were designed for entertainment and not for logic don’t always stick to the world of the plausible More>>

How Do DOL Rules Impact Insurance Producers?

3 Mar

Guest contributor: H. Lillian Vogl, JD, CFP, serves as director, advanced sales, at Crump Life Insurance Services and serves on the company’s regulatory council.

To the surprise of many, the Department of Labor allowed the previous administration’s final fiduciary advice regulation, officially titled Prohibited Transaction Exemption 2020-02, to go into effect on Feb. 16. The focus of PTE 2020-02 is on broker-dealers and registered investment advisors, but how does this turn of events impact insurance producers? More>>

How Much Money Should be in Your Emergency Fund?

1 Mar

As the world is changing faster than ever, it’s crucial to establish emergency savings so you can be prepared for any financial changes as they come. Setting up an emergency fund is one of the best ways to start saving now.

How much is enough to have in savings? The general rule of thumb is to save three to six months’ worth of living expenses, but that guideline might not be possible or right for every family. Here are factors to consider when deciding how much money you should stash away:  More>>

Help Protect Our Families

25 Feb

As we begin 2021, COVID-19 continues to take an unimaginable toll across America and around the world. The pandemic has heightened people’s anxieties around their physical, emotional, and financial health.

Even before the pandemic, LIMRA research revealed there were 30 million American families uninsured and 30 million more underinsured. The prospect of losing a loved one is more of a reality as over 400,000 families have lost a loved one to COVID-19 to date.

While our industry cannot prevent the human tragedy unfolding in our country, we have an opportunity and obligation to help more individuals, households, and businesses secure the financial protection they need. More>>