Category Archives: Insurance Tips

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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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 … 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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The benefits of using Non-Captive Insurance Agents

When shopping for insurance there are many different methods a prospective buyer can use to make their insurance purchase. With today’s technology, buyers have unprecedented access to insurance products like never before.  Regardless of whether you are using a phone, … 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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Why Summer Is the Best Time to Buy Term Life Insurance

Summer has arrived and with it we are looking forward to longer days ahead filled with BBQs, camping trips, and lazy beach days. Summer is about vacation, all the serious stuff can wait till autumn, right? While we do agree, … Continue reading

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Why Parents Choose Term Life Insurance

As a parent, the last thing you want to do is add yet another expense to the household budget. As if the grocery bill alone doesn’t astound you, every single trip. The school backpacks, the soccer uniforms, the ballet shoes, … Continue reading

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