Term Life Insurance Without Medical Exam: Yay or Nay?

Doctor's Hand Checking Blood Pressure

When buying term life insurance, you may be faced with the option of a policy that doesn’t require you to take a medical exam. While that may sound appealing, how do you know if this is really a good option for you? Let’s start with the basics: The reason that many life insurance policies, term or permanent, require a medical exam is simple: the insurer wants to assess your life … Read More

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How Long Should A Term Life Insurance Policy Last?

Handsome young thoughtful man wondering

It’s no secret that term life insurance is a much more affordable option than permanent life insurance. But once you’ve made the decision to purchase term life insurance, your next question will probably be:  How long should my policy be?  Policies can range from 1 to 30 years, so how should you decide the length of time for which you need protection? Here are 3 factors for you to consider: … Read More

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Several Celebrities Failed at Estate Planning: How to Learn From Their Mistakes

Hollywood

Celebrities are set on a pedestal in our culture. We think they are prime examples of how to live, simply because they are talented and appear often in the media. Yet, countless rich celebrities did not prioritize something that should have been obvious to them: estate planning. And then it was too late.  As a consequence, fighting ensued among the beneficiaries. This month, insurance industry magazine Insurance News Net published … Read More

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Retirement Confidence is Rising, But is That Confidence Based on Realistic Planning?

The Employee Benefit Research Institute’s Annual Retirement Survey found that retirement confidence is on the rise, but is that confidence backed up by solid retirement planning or is their confidence based on unrealistic financial hopes? Unfortunately, according to the 2015 EBRI study, the rise in retirement confidence is not backed up by secure savings or realistic projected income. Here are some of the main pitfalls to avoid when planning for … Read More

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What do Millennials Seek in Employment? The Answers May Surprise You

Millennials are hitting the workforce and seeking to grow their presence and careers fast. While millennials tend to get a bum-rap, a recent survey from EdAssist, a provider of tuition assistance programs for employers, sheds some light on this highly underrated and misunderstood group. Jay Titus, senior director, academic services for EdAssist says that according to the survey data, millennials are driven by a goal for long-term financial well-being, with … Read More

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