Prepare Now for Your Parents’ Long-Term Care

Prepare Now for Your Parents’ Long-Term Care

We’d all like to be able to provide for our parents as they grow older, but today’s younger generation is more uncertain of their finances than ever. According to the Federal Reserve, the average U.S. household carries more than $15,000 in credit card...

Study: Workers fear costs of critical illness more than death

Nearly half of all U.S. workers fear the financial impact of a critical illness more than death, according to research conducted by Sun Life Financial. In its poll of over 4,000 full-time U.S.-based employees, the financial services company found that 47 percent of...

Replacing Income with Life Insurance

Having sold life insurance policies for over twenty years, I am very sensitive to people’s aversion to discussing anything having to do with death. It’s not an easy subject for some people to confront and it makes selling life insurance a very delicate...

Backdating may reduce your term life insurance policy rates

Most people in the market for life insurance know that age is a major factor insurance companies use in determining the premium of a policy. What they don’t know, however, is precisely how a significant number of life insurance companies determine age. Using a...

Do I have enough life insurance coverage?

The question that makes up the title of this blog post is an important one. It is a query that every American should explore as they consider the financial future of both themselves and their loved ones. A life insurance policy is an effective way to provide support...
Could abnormal sound levels impair heart health?

Could abnormal sound levels impair heart health?

Medical research, in recent years, has established a relationship between excessive noise levels and a gradual impairment of hearing. Other studies have shown that even moderately loud sounds can have a degrading impact on this sense. However, a new study has shown...

How Life Insurance Can Benefit Same-Sex Couples

The New York Times recently an article calculating the average costs incurred by same sex couples when compared to their heterosexual counterparts and found that an average same-sex couple will end up paying anywhere from $30,000 to nearly $212,000 over a lifetime...

Study: More fiber may reduce stroke risk

A stroke is one of the most debilitating medical emergencies a person can suffer, making prevention a priority for Americans as they get older. According to a study conducted by a team of British researchers, increasing the amount of fiber in your diet may help reduce...

Are you Prepared for Death?

Before you start looking at the religious and philosophical answers to this question, I have to quickly warn you that this discussion leans more toward the material than the spiritual. What I am going to address today are those actions one should do prior to...

Start it right: Tips for beginning your retirement planning

Retirement brings a number of profound changes to your life, but chief amongst them is how your income is derived. With folks in America getting ready to retire as early as 60 years old, it’s important for those considering this momentous step in life to start...