Since smoking carries so many health risks, smokers generally need to pay more for their life insurance coverage and may also have a more complicated application process. If you handle your application properly though, you can minimize the extra costs you’ll need to pay.
“One million dollars…..baawaahahahahah!” I can’t help but chuckle when I think of Dr. Evil saying that in the classic series Austin Powers. For many people, one million dollars sounds like a lot of money – and it is! But a common misconception is that one million dollars of term life insurance is very expense…. Continue Reading–>
There is nothing more invigorating than sitting around a dinner table with guests and talking about life insurance. Okay, just kidding. It might not be invigorating, but it is something that I wish people would talk about more. Why is that? Because far too many people still don’t have any life insurance at all, and… Continue Reading–>
How much life insurance coverage I need to buy was something that really wasn’t important to me until I got married. My first policy was a $250,000 30 year term life insurance policy and I thought that was plenty. It was not until we had our first son that I quickly realized that was not… Continue Reading–>
Most Americans have some form of life insurance. Knowing that ones loved ones will be take care of should sudden tragedy strike, or natural death occur, gives peace of mind to individuals. Others want to know they have money saved should they need it for an emergency in later years, regardless of the payout to… Continue Reading–>
Most people want to know their families will have a secure financial future. When you start planning for how you’ll care for your family years from now, it’s likely that you will consider a variety of options. Life insurance should be among the possibilities you study.
Recently I was asked to be on our local news channel to give my monthly “money talk”. The country had been recently been bombarded with one horrible storm after another. So I thought it was only fitting to tie that in to our financial life. Here’s what I came up in disaster proofing your investment… Continue Reading–>
All small business owners need to make sure they carry enough insurance to help protect their families, employees, and assets. With the right strategic plan in place, the small business owner can help protect his or her business against financial loss due to illness, disability, death, and other calamities. There are many different types of… Continue Reading–>
For anyone with children there comes a new fear. What you would do to provide for them if something happened to you? Naturally, that is why many people get life insurance; that’s why I did. Others start planning their burial arrangements or they take other measure to ensure their final expenses are covered and they… Continue Reading–>
I always assumed that life insurance for tobacco users was more expensive than those that don’t use it, but I never realized how much more. A younger client of mine in their 30’s was interested in purchasing term life insurance and what I didn’t know is that he used chewing tobacco. Once I found that… Continue Reading–>
I thought this post was fitting since a pretty close friend of mine just recently found that they are having their first child. You can never prepare for being a first time parent. Diapers, crib, strollers… it can be overwhelming. Here’s another guest post from Joe Plemon of Plemon Financial Coaching, offering some basic tips… Continue Reading–>