Converting Your Term Insurance to Permanent Insurance
Buying Life Insurance
Why Life Insurance Belongs on Your To-Do-List
Having the appropriate amount of life insurance is more affordable than you may think. Purchasing life insurance may not be on your to-do list for a variety of reasons – not wanting to add another monthly expense to an already-stretched budget, thinking about your mortality or simply not having the...
When Is One Policy Not Enough?
Having multiple life insurance policies can help you tailor your coverage to your family’s evolving needs. Think about it: If buying a life insurance policy is a smart move, is buying more than one even smarter? First-time buyers typically purchase a single policy to cover their income, debts and to...
What Determines Your Life Insurance Rate?
Get a better understanding of what factors into your premium. If you’re shopping for life insurance, figuring out how your rate is determined can be a bit of a mystery. While each insurer may define and measure risk in its own way, most companies will ask for some basic information...
The New Sandwich Generation
By Walter H. Zultowski, Ph.D By now, you’ve probably heard of the “sandwich generation” – those mostly middle-aged adults who find themselves providing financial support for parents and/or children at the same time. A recent research study by Pew Research Center1 shows that this phenomenon not only continues, but has...
The Benefits of Annuities in Retirement Planning
Retirement plans are as individual as the people they support. And what worked for previous generations – such as a pension, inheritance or Social Security – may not fully support your financial future. As times change, it’s important to be aware of all the potential ways of securing your retirement....
Self-Employed: Financial Considerations
Starting a business means taking all financial aspects into account. Here’s where to start. With the explosion of startups across the business landscape, you may be wondering if it’s feasible to start your own company. In addition to the perk of being your own boss, there are also financial considerations...
Ready, Set, Change: Evaluating Coverage Across Your Career
No matter how you alter your work life, your life insurance should keep up. Changing a career can be an exciting and significant milestone. Leading up to that moment, several factors may influence a career change, such as finances, family needs and personal fulfillment. Depending on your priorities and interests,...