Tag Archives: affordable life insurance

Term Life Insurance Without Medical Exam: Yay or Nay?

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?

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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Term Life Insurance: Why Pay for Something You Hope to Never Use

Insurance carries with it an irony that all policy holders know well: we realize it’s essential and yet we hope to never have to use it. So why do we spend money each month on something we hope we’ll never need? Security. Life insurance differs in one area when compared to auto or home insurance. We know when we need and don’t need auto insurance, because we know when we … Read More

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Financial Challenges Rise for the Sandwich Generation

The United States’ sluggish recovery from the 2008 recession has taken a disproportional toll on the financial stresses of the “sandwich generation”, a generation of people who care for their aging parents while supporting their own children. According to a survey from the Pew Research Center, nearly half of adults in their 40s and 50s are supporting a living parent as well as either raising a young child or financially … Read More

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Financial and Emotional Wellbeing Go Hand In Hand for 83% of Americans

This year in honor of life insurance awareness month, Empire BlueCross BlueShield, conducted a telephone survey to find out how Americans feel about caring for their families during and after life. The survey was based on 1,005 participants over the age of 18, five hundred and two of which were male and five hundred and three female. Turns out there are many adults in the U.S. who strongly believe in … Read More

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