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Your one-stop resource for everything related to your financial well-being. 


Recent Posts

Whole Life Insurance Policies: What You Need to Know

According to LIMRA, as many as 132 million Americans rely on life insurance to protect their financial security. However, 30% of Americans know they need more life insurance. That’s more than 70 million people! So, why aren’t individuals purchasing the coverage that they need? Many consumers feel that life insurance, in general, is very expensive and confusing, and while this can be true, it’s important to educate yourself on the different types of coverage that are available and know what policy is right for you so that you aren’t paying for unnecessary benefits.

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4 Reasons to Consider a Life Insurance Policy for Your Child

As a parent, you always want the best for your child. Safety and financial security is a number one priority and up until now, you think you've managed to do exactly what you should do to guarantee that. You have a strong life insurance policy for your family that covers the expenses that will ensure your child's financial well-being in the event of your death. But is that enough?

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With a Term Life Policy, You CAN Afford Life Insurance Coverage

Time waits for no one, and now is the time to buy life insurance. No one likes talking about passing away, but your mind will be at ease if you know your family is protected in the event of your untimely death. At the average cost of $13 per month for a healthy 30-year-old male, term life insurance is far more affordable than you—or the majority of Americans, for that matter—may realize.

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When Should You Review Your Life Insurance Coverage?

Are you one of the 62% of Americans that has life insurance coverage? If you answered 'yes,' congratulations and job well done! You have taken a proactive step in securing the future of your loved ones in the event of your untimely death. There are many misconceptions about life insurance, with cost being one of the biggest. However, another common misconception about life insurance that many people have is that it is a "get it and forget it" purchase.

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5 Things That Could Lead to A Higher Life Insurance Rate

Life insurance is never a fun topic of discussion, but it's one that must be had. If you follow this blog, you probably know that I talk in great depth about the importance of life insurance. I've given readers tips on Supplementing Employer-Provided Life Insurance, tips for Getting a Greater Return on Your Life Insurance Investment, considerations on Finding the Right Type of Insurance, ideas for Protecting their Asset Accumulation, and even listed things that are More Expensive (and less important) than Life Insurance.

As you probably know, life insurance rates will vary from person-to-person due to a list of varying factors such as age and health. If you've received a life insurance quote and felt a bit of sticker shock, I'd like to go over a few things that could be impacting your rate for the worse, and what, if anything, you can do to help your rate go down.

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Life Insurance for the Young and Single

Congratulations, you finally landed your first “grown up” job; now you’re able to enjoy the luxuries of living life as a single, young adult! Without a worry in sight, planning for your long-term future probably doesn’t feel like a huge concern at the moment, right? After all, there are brunches to be had and karaoke to be sung!  And, even though you may be young, healthy, and dependent(less), there is a certain amount of planning that you should do—now—to ensure your (and your future dependent’s) future is protected.

Brace yourself; it’s time to have an adult moment (even more adult than the retirement planning lecture): life insurance should be a part of your current financial plan.

Here are a couple of reasons why, even if you are young and single, you should consider life insurance—even if at this point in your life, doing so may seem unnecessary and a bit like #GrownUpProblems.

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8 Things that are More Expensive Than a Life Insurance Policy

You probably spend a lot of time worrying about your family; am I right? You worry about their safety—at home and in their vehicles. You worry about your children's nutritional intake, health, future or present college expenses, and a myriad of other things. But, if you're not spending even a fragment of that time worrying about how your family would be impacted by your untimely death—no matter how uncomfortable it is—you are doing them a disservice.

Most people don't like to think about their death; it's unpleasant, but sweeping it under the rug will only hurt your left-behind loved ones if the worst happens. Unfortunately, this is the reality of many Americans today.

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Is Pet Health Insurance Really Worth It?

These days, more and more people consider their pets to be an extension of their family. They buy them name brand organic food, bare no expense on lavish pet beds, have them groomed, buy them non-essential clothes and costumes, and even carry them in designer pet carriers. The proof is in the pudding: in 2014, Americans spent $56 billion on their pets. You read correctly: $56 BILLION!

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What You Need To Know About Simplified Issue Term Life Insurance

Some things in life require a starter phase to get acclimated to a situation. New to homeownership? You get a starter home. New to driving? You get a starter car. Heck, even dinner sometimes has a starter course.

For borrowers getting life insurance for the first time, you bet there is product for that!

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6 Things to Consider when Choosing the Right Type of Life Insurance

There are a number of life insurance products out in the market, and you may be overwhelmed with the options available to you. More importantly, there may be a number of them that seem foreign to you. Just remember, while the intricacies of each life insurance product or policy may be different, the basic purpose of life insurance is all the same. Life insurance was designed to leave a lump sum of money behind when you die.

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