It is fairly easy to understand why so many people at age 18 to 34 do not think they need life insurance. When you are younger, most of your energy is focused on yourself and your personal situation and goals. The older you get and the more your situation changes, so does your point of view. Marriage and childrenRead more

When buying a life insurance policy, you have two options when it comes to how your beneficiaries receive money. One way is to get the whole amount all at once, tax free. Another way is to get the death benefits over a period of few years. This option will cost you less in premiums, butRead more

Insurance agents suggest to visit your primary care physician before shopping for a life insurance policy. All standard forms of life insurance require a medical exam, so it is important to make sure that any issues you had and resolved are updated properly. For example, if you have been a smoker or overweight and changed yourRead more

For many retirees, the idea of giving up their family home is a tough proposition to accept. But according to Steven Sass, a research economist at the Center for Retirement Research at Boston College, that’s exactly what’s needed for many individuals to afford retirement. “People have a serious behavioral resistance to touching their savings orRead more

When shopping for life insurance, be honest about your health and any conditions you have. Don’t waste your time by tiptoeing around the topic, because if this specific company will not offer you coverage, there are others that will. Just because your got turned down by one carrier, it doesn’t mean that you will notRead more

Before deciding on a health plan, check to see their network requirements. Some plans demand that you see an in-network provider only, and that can be very limiting. Examine their providers list to be sure that you have enough options that are convenient for you if you need to see a doctor, a specialist, and whichRead more

Many often skip breakfast, saying that it’s because they are too busy. But, doing this one innocent thing has a lot of impact to how your day will go. When skipping meals it becomes much easier to overeat because your hunger goes out of control. Therefore it is important to snack during the day butRead more

Creating a healthy lifestyle is not as hard as some may think. It does involve some preparation and thought, but it is definitely doable. Make it a habit to be active maintain a healthy body weight eat a variety of foods and plenty of fruits and vegetables watch your portion sizes and eat regularly doRead more

Often times, employees have life insurance automatically from their employer, or from a union or trade association. Having a group policy has a few advantages, comparing to an individual life insurance policy. First, you can get a lower rate for a given death benefit. That happens because the rates are averages weighted by people younger than youRead more

When you shop for life insurance, choosing the right company is crucial. What’s very important is to pick a company with a good reputation, and also respectable and reliable. Your are buying the policy to protect your loved ones, so don’t skimp on the research part. Continue to original source.Read more