Author Archives: Ileana Bravo

Kidney Donors May Now Be Facing Pointless Insurance Challenges

Not only does a kidney donor have to have a “heart of gold” to go through the process of donating a kidney, they also have to go through rigorous health screening to be approved for donating a kidney, and only … Continue reading

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The Sobering Reality of the Life Insurance Gap

A recent study has found that the gap in life insurance coverage vs. financial needs has worsened by 11% since 2008. The 2013 study was commissioned by New Your Life and conducted by the Futures Company, an independent third party … Continue reading

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July Fourth Safety Tips

Independence Day celebrations can already be felt in the air, many are planning barbecues, picnics, a get together with family and friends, watching the parade and/or the fireworks. But with the array of activities and fun, comes the need for … Continue reading

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Healthy Employees: Going the Extra Mile

A healthy diet is something we all work hard to achieve but good intentions don’t always result in success… especially when it comes to changing old eating habits. But can we change if we get paid to eat right? An … Continue reading

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Empowered Women Are Making Top Financial Decisions

Women have taken charge of their finances, empowered by their independence and career success. A recent study done by Ameriprise Financial found that 41% of women ages 25 – 70 are making financial decisions on their own, 56% said that they … Continue reading

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Term Life Insurance: The Ultimate Father’s Day Gift

With the countdown for Father’s Day this weekend the search is on for the perfect father’s day gift, which he undoubtedly deserves. But most dads will selflessly say they prefer to give rather than receive because giving to their kids … Continue reading

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Term Life Insurance for Diabetics

A key factor in determining a life insurance premium is the applicant’s health. The better your health, the lower your premium. But there’s more… it’s not actually quite that simple. Those with a family history of certain health conditions or … Continue reading

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The “Premium” Cost of Smoking

It’s no secret, smoking is a bad habit… not just because of the health risks but because of the financial consequences. Smokers pay higher life insurance premiums than non-smokers. Why? Because life insurance companies base your premium on the type risk you … Continue reading

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How to Choose Beneficiaries

We purchase term life insurance for one main reason: to insure that in the case of our death our loved ones will be taken care of, at least financially. Part of making that happen is naming your loved ones as beneficiaries in that … Continue reading

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When’s the Last Time You Reviewed Your Term Life Insurance Policy?

You’ve completed the check list of being a “responsible adult”, you’ve got: A savings account Sound investments A gym membership (which you actually use) An annual budget (that you stick to) A term life insurance policy A living will A … Continue reading

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