Are You A Distracted Driver? Get Covered!

Distracted driving insurance

Despite all the attention currently focused on distracted driving by various media outlets, some people may find that they’re engaged in other forms of dangerous activity behind the wheel.

One particularly egregious – and yet increasingly common – example is people who drive with pets on their lap. Even those who keep their pets properly secured in the back seat may find themselves distracted if they turn around at all to tend to them or play with them while in a moving vehicle.

How Many Fire Alarms Do I Need in My Home?

How Many Fire Alarms Do I Need in My Home?

A new announcement from the National Fire Protection Association (NFPA) is reminding people to protect themselves and loved ones by being sure that their homes are equipped with a sufficient number of smoke alarms.

Why Should I Get Whole Life Insurance?

Whole life insurance

It seems to be a common theme of ordinary whole life coverage that each benefit helps supply another one.

The entirety of a contract provides lifelong protection. Due to the length of time you are covered, the regular premium payments can be spread out so that you can pay them at a lower cost. These level premium payments then allow for the policy to accumulate a reserve of cash that can be used at a later time to take out a loan on a house or pay for college tuition.

Highway Tragedies Lowest in Years

Highway Tragedies Lowest in Years

According to the Department of Transportation, 33,808 fatalities occurred on U.S. highways last year, which was said to be the lowest total since 1950. The DOT noted that this decline occurred even as the number of vehicle miles traveled grew by a 0.2 percent margin in 2009.

Fruits and Vegetables Lower Life Insurance Premiums

Fruits and Vegetables Lower Life Insurance Premiums

New data from the Centers for Disease Control and Prevention finds that many Americans are still coming up short when it comes to getting their recommended daily servings of fruits and vegetables.

According to the Centers for Disease Control and Prevention, about 32.5 percent of adults get two or more servings of fruit per day, while 26.3 percent report that they consumer vegetables at least three times per day.

Insurance for Violent Crime Victim

Violent crime victim insurance

Younger and healthier Americans who are wondering if they should invest in a life insurance policy may want to consider the various threats to their well-being that can strike at almost any time.

One such example is violent crime. Fortunately, the FBI’s annual report on crime trends, which was released this week, cited a significant drop across many different crime categories.

What is Limited-Payment Life Insurance?

Limited-payment Insurance

Another variation of whole life to consider is limited-payment life insurance, which calls for premiums to be limited to a specific number of years. These types of plans allow you to pay your full premium on an annual basis for a specified number of years.

While the premiums will be more expensive than a regular ordinary life policy, you can effectively speed up the payment period, notes Edward E. Graves, author of “McGill’s Life Insurance.”

What Is An Insurance Dividend?

What Is An Insurance Dividend?

Getting money from an insurance company doesn’t always mean disaster has struck. Payouts occur under happier circumstances. These payments are called insurance dividends and are often paid to policyholders on an annual basis.

For example, when an insurance company pays out fewer claims than expected, policyholders may receive a dividend or part of their death benefit.

Contributing Factors That May Cause Strokes

Causes of stroke

Approximately 800,000 people in the United States have a stroke each year and one American dies from a stroke every 4 minutes on average according to the Centers for Disease Control and Prevention.