How to Plan for the Future You Want
Posted: October 7, 2023
October is Financial Planning Month. This is a time when we are reminded to prepare budgets and keep spending in check during the holiday season. Our approach to financial planning can depend on our phase of life. Still, the earlier we begin planning and saving for the future, the easier it will be to make our targets. Steps to Improve Your Financial Situation Take the...
Do Graduate Students Need Life Insurance?
Posted: September 7, 2023
Obtaining a graduate degree may be the right choice to increase your earning potential and advance your career. If you have decided to go to graduate school, life insurance may be the last thing on your mind. Nevertheless, it may be a smart move for a full-time or part-time graduate student. Students in grad school tend to be older with more responsibilities than undergraduates. They...
Is Universal Life Insurance Right for Me?
Posted: August 22, 2023
Universal life insurance is a type of permanent life insurance that provides lifetime coverage as long as you pay your premiums. Like other permanent life insurance, it has a cash value element that can be used for different purposes. Universal life differs from whole life in that it allows you to lower or raise your premiums within certain limits and offers more flexibility. How Does...
5 Things That Are Excluded From Your Life Insurance
Posted: August 7, 2023
The main reason for purchasing life insurance is to leave something behind for your loved ones when you pass away. You pay your life insurance premiums to ensure your beneficiaries will receive death benefits should something happen to you. Not everyone is aware that life insurance policies have certain exclusions that can prevent beneficiaries from receiving benefits. It is important to know what those exclusions...
Life Insurance, Do You Have Enough?
Posted: July 24, 2023
According to the latest information, most people do not have enough life insurance. Only six out of ten people have even considered life insurance, and many who do have life insurance don’t think they have enough. 70% of households with children say they are just barely meeting their needs. But what would happen to those families if a portion or all of their income was...