15 Smart Ways to Prepare for your 60’s

Ross Quade | General | 27 Mar, 2015 | No Comments

As you get closer to retirement age, it can be very easy to feel anxious or worried about your future. If you are going to retire, will you have enough money to survive? If your health is failing or you do not take proper care of yourself, you may worry about healthcare costs or even […]

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Pregnant and Need Life Insurance?

Aaron Crowe | Children, Health, Life Insurance | 25 Mar, 2015 | No Comments

Life insurance underwriting policies for pregnant women have been changing across the industry lately, making it easier for them to qualify for insurance later in pregnancy. Even as late as the third trimester, a woman who doesn’t have pregnancy complications can get insurance, says Tony Steuer, a life insurance literacy advocate who has written books […]

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10 Life Insurance Beneficiary Horror Stories

Ross Quade | Life Insurance | 20 Mar, 2015 | No Comments

When individuals take out a life insurance policy of any sort they think that the insurance companies would look after their family’s interests when the time comes. However, the picture is not often as rosy as it may seem as there are plenty of horror stories that can put a mortal fear of insurance companies […]

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Start Filling the Money Bags! The Cost of Raising a Child is Why Parents Need Life Insurance

The cost of raising a child born in 2013 is between almost $200,000 to a little less than $300,000, depending on where you live. If these staggering numbers tell you anything this is it—you need life insurance. Here’s why: Expensive . . . and more expensive Raising a child is clearly not inexpensive. Any parent […]

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The High, and Low, Costs of a Man’s Midlife Crisis

Aaron Crowe | Health, Term Life Insurance | 19 Mar, 2015 | No Comments

Men hitting their 40th birthday can find themselves in a dilemma: They feel a pressing need to make changes in their life as they realize they’re getting older and aren’t immortal. In other words, they’re having a midlife crisis. The responses to a midlife crisis can be drastic, such as the urgent need to make […]

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Financial Safety Nets for Single Moms

Aaron Crowe | Life Insurance, Term Life Insurance | 16 Mar, 2015 | 1 Comment »

For a child with a single mom taking care of them, the odds of living in poverty are higher than they are in two-parent homes. One in four children under the age of 18 are being raised without a father, and nearly half (45 percent) live below the poverty line, according to the U.S. Census Bureau. Most […]

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17 Reasons Baby Boomers Need Term Life Insurance

Jack Fehr | Insurance, Life Insurance, Term Life Insurance | 13 Mar, 2015 | No Comments

You may have heard that people nearing or in retirement don’t need their life insurance policies anymore. That would be a good story if it was true. Americans are living longer, and additional financial responsibilities are accompanying longer lives. Term life insurance gives loved ones the financial protection they need to respond to continually rising […]

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7 Reasons Not to Lie About Smoking Marijuana on Your Insurance Application

Ross Quade | Insurance | 13 Mar, 2015 | No Comments

As more states legalize medical and recreational marijuana usage, life insurance companies must slowly follow suit by changing their policies. However, many life insurance providers may raise their usual rates, or outright deny coverage to frequent users altogether.  In light of this, some marijuana users have lied on their applications to ensure the best rates. […]

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Getting Life Insurance as an Alcoholic

Aaron Crowe | Health, Life Insurance, Underwriting | 9 Mar, 2015 | No Comments

Almost three years after treatment for a substance abuse problem and being sober, Bill Dinker has repeatedly been turned down for life insurance because he honestly answers one question. “Have you ever sought treatment for a substance abuse problem?” Dinker, 32, and in otherwise excellent health, says he always answers yes, and is always denied […]

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