Category Archives: Insurance Tips

Your Child’s Failure to Launch Affects Your Term Life Insurance Coverage

Have you heard of the Failure to Launch phenomena (AKA the not so empty nest syndrome)? Presented as a lighthearted comedy in the movie Step Brothers, this issue is actually no joking matter. The long term repercussions of adult children living at home for both the parents and children have some very real consequences. For the sake of today’s article we’re going to focus on the affect your child’s delayed … Read More

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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 York Life and conducted by the Futures Company, an independent third party research company. They reported that while many Americans say they would want a life insurance policy that would ideally cover their household’s expenses for 14 years after the loss the family’s main income producer, they … Read More

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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 safety plans. As we mentioned in our blog, “Why Summer Time is the Best Time to Buy Term Life Insurance” summer has an increased rate of injuries and fatalities, and … Read More

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E-Cigarettes, Tobacco Products and How They Might Affect Your Life Insurance Rates

One of the fastest growing trends currently in the tobacco industry is the E-cigarette. You’ve most likely seen these pen-like devices with a glass chamber being used in public or perhaps you own one for yourself. While the rise in popularity of the E-cigarette is relatively new, the product itself has been around since the early 2000s. The first E-cigarette was produced in China, closely resembling a real cigarette in … Read More

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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 those with current chronic health issues are considered a “higher risk” to insurance companies and therefore are usually quoted a higher premium. This fact can lead many diabetics to think … Read More

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