Long-term care insurance is an important part of any financial plan, and it is important to consider when you should purchase a policy. The cost of long-term care can be prohibitively expensive, and it is important to make sure that you are comprehensively protected in the event of a medical emergency. In this article, we Read More
Universal life insurance is a type of permanent life insurance that offers flexible premiums and the option to adjust the death benefit over time. It also has a cash value component, which grows tax-deferred over the policy’s lifetime. How Universal Life Insurance Policies Work Universal life policies have two main parts: an insurance component– which Read More
Your loved ones will receive a life insurance payout from your insurer if you’ve been paying your premiums regularly and pass away with active coverage in place. However, there are some instances where your insurer may refuse to pay out a death benefit. In this article, we will discuss the types of death which will Read More
According to the Centers for Disease Control and Prevention (CDC), disability in the U.S. is most common in senior citizens. The most common disabilities include walking difficulties and hearing impairment. Despite this, disability insurance generally tend to exclude senior citizens. Typically, you stand a better chance of getting disability benefits if you’re within the working Read More
Everyone faces death at some point, which is why anyone who is leaving something behind for survivors should consider life insurance. It’s part of “end-of-life planning,” which encompasses financial concerns such as funeral expenses and payments to beneficiaries. Here’s a look at how life insurance can involve wills and trusts to clarify survivor benefits. Life Read More
State officials from Governor Gavin Newsom’s team have announced that California will end its COVID-19 state of emergency orders on February 28, 2023. However, many health officials and lawmakers warn of the potential dangers of the persistent virus. At the same time, many business leaders want the mandates to end. Here are important points shaping Read More
Eyesight is one of our most treasured abilities. Yet it’s difficult for some people to get proper eye care and sufficient health insurance coverage for vision. Here’s a look at why vision isn’t completely covered by a health plan, creating an unequal playing field that hurts low-income groups. Understanding Basic Eye Care Many kids start Read More
During the first quarter of 2022, airlines were directly responsible for about 60 percent of late flights. Additionally, flight cancellations rates this year are double the 2013 rates, according to the DOT (United Department of Transportation). Flight cancellation or delay can ruin your vacation and lead to huge costs. A travel insurance policy can help Read More
A term life insurance policy is a life insurance option available to most people due to its affordability and simplicity. The duration of such a policy generally ranges anywhere from 10 to 30 years. Here’s what you need to know about term life insurance policies compared to annually renewable life insurance policies. Changes in Life Read More
Universal life insurance is a variant of life insurance. With a universal life insurance policy, you have flexibility regarding the payment of premiums. You also get to choose how your insurer will invest your cash value. The two common types of universal life insurance are indexed and variable universal insurance. The main difference between these Read More