Is Life Insurance Worth It?

Is Life Insurance Worth It?

Protecting what matters most was the focus of a recent survey done by financial services firm Edward Jones and nonprofit consumer-education organization Life Happens in December 2018. Not surprisingly, the survey found that 81 percent of Americans believe their family is their most valuable asset, but less than half (41 percent) are protecting their family with an individual life insurance policy. One third of the over 2,000 Americans surveyed (32 percent) indicated that life insurance is either a low priority or no priority item when starting a family

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What Happens If I Smoke With Diabetes?

What Happens If I Smoke With Diabetes?

A new report from the SEARCH Study Group revealed that cigarette smoking is very common among children and young adults with diabetes.

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How Autism Spectrum Disorders Affect Life Insurance

How Autism Spectrum Disorders Affect Life Insurance

Every day, millions of Americans living with autism and their families face difficult challenges that many of us will never fully understand. Even when applying for life insurance later in life, the severity of autism spectrum disorders can affect acceptance and premiums. The Centers for Disease Control and Prevention recently reported that 1 in 68 children in the United States has been identified with ASD. It is clear that autism affects the lives of millions…

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How to Determine How Much Life Insurance You Need

How to Determine How Much Life Insurance You Need

The standard rules of thumb for purchasing life insurance policies – which tend to be based on income levels – may not be sufficient guidance in every case, according to a report in the Chicago Tribune.

Author and expert Tim Maurer told the Tribune that consumers should consider total life insurance needs by combining four main categories: Final expenses, mortgages and other debts, income replacement, and educational funds. These will vary wildly depending on the number and age of a family’s children, amount of money owed on a mortgage, and overall income level.

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How Does Secondhand Smoke Exposure Affect My Insurance?

How Does Secondhand Smoke Exposure Affect My Insurance?

As a culture, Americans have been taught that there is one way to avoid the detrimental health effects of cigarette smoking: don’t smoke. However, a new study has found that more children are being exposed to tobacco smoke even if they aren’t lighting up themselves.

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How Will You Fund Your Child’s Education?

How Will You Fund Your Child’s Education?

And what about children who have special needs and are permanently disabled. This is a very individual decision depending on what the child needs but it can be a lifelong situation and important to talk with a financial planner that offer the best results.

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Trusts and Insurance: Your Children’s Life After Your Death

Trusts and Insurance: Your Children’s Life After Your Death

Have you really thought about who will take care of your children needs in the event that something happens to you? Its not just about life insurance but a thorough estate planning portfolio.

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Smoking in Front of Kids Boosts Life Insurance Rates

Smoking in Front of Kids Boosts Life Insurance Rates

The study’s results add to the growing evidence that exposure to smoking from parents has a lasting effect on children’s cardiovascular health in adulthood.

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The First National Study on ADHD and a Life Insurance Outlook

The First National Study on ADHD and a Life Insurance Outlook

And most that are diagnosed can receive life insurance if treatment stabilizes the condition as an adult.

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Life Insurance for Single Mothers

Life Insurance for Single Mothers

As a result of surveyed single mothers, many felt that their children would not be taken care for any significant amount of time financially. Life insurance was out of the question.

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