Texting And Driving Putting America’s Highways In Peril

Texting And Driving Putting America’s Highways In Peril

Recent research reminds us that tragedy can strike with frightening regularity out on the highway – and lots of stories focus on increasingly careless drivers using mobile devices. In fact, a recent study appearing in the American Journal of Public Health revealed that fatalities connected to distracted driving increased nearly 30 percent between 2005 and 2008. Why the spike over that period of time?  It just so happens those years coincide with the rapid growth and popularity of…

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How Your Life Insurance Needs Vary Throughout Your Lifetime

How Your Life Insurance Needs Vary Throughout Your Lifetime

Married couples generally need more life insurance than single people, but it’s necessary for everyone to have at least enough life insurance to cover his or her final expenses. As you may expect, the amount of life insurance you’ll need will probably change throughout your lifetime. and your life stage will also determine how long your (recommended) term period should be, how much insurance you should purchase and the type of policy that best suits…

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How Safe Is Patient Data? Molina Healthcare Suffers Security Breach

How Safe Is Patient Data? Molina Healthcare Suffers Security Breach

Molina Healthcare, a major insurer in Medicaid and state exchanges across the country, has shut down its online patient portal as it investigates a potential data breach that may have exposed sensitive medical information. The company said Friday that it closed the online portal for medical claims and other customer information while it examined a “security vulnerability.” It’s not clear how many patient records might have been exposed and for how long. The company has…

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How Do I Calculate My Life Insurance Needs

How Do I Calculate My Life Insurance Needs

The human life value concept deals with human capital, which is a person’s income potential. It goes beyond just the numbers, and considers the overall impact of losing someone, especially the breadwinner. This method is ideal in situations where replacing the income lost, due to the death of a breadwinner, is the primary concern.

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Survivorship Insurance Will Lessen the Blow of Estate Taxes

Survivorship Insurance Will Lessen the Blow of Estate Taxes

For couples who want to help their children avoid federal estate taxes, 2010 is a good year to die.

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Need-To-Know Life Insurance Facts for Military Members and Vets

Need-To-Know Life Insurance Facts for Military Members and Vets

On the last Monday in May of each year, Memorial Day honors American military personnel who gave their lives for their country, and because a member of the armed forces can be deployed at a moment’s notice, securing his or her family’s financial future can be an added challenge.

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What Is an Annuity?

What Is an Annuity?

Despite gloomy economic forecasts, there are always a variety of options for investors. Because annuities are tax-deferred, they’re often an attractive choice for serious investors.

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How Can I Learn To Manage Stress – And Cut My Insurance Rates?

How Can I Learn To Manage Stress – And Cut My Insurance Rates?

Stress. If you’re an average American, you deal with too much stress every day and it can put you at risk of developing serious health conditions like depression, heart attack and a raft of other diseases. The start of summer is an excellent time to examine how you handle stress – and learn to manage it. According to the CDC, aside from the emotional tension that surrounds stressful events such as fear, anxiety, and sadness,…

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How Obesity Can Lead to Higher Life and Health Insurance Premiums

How Obesity Can Lead to Higher Life and Health Insurance Premiums

If you’re overweight, it’s one of the most common reasons you might be declined – or charged higher rates – when you apply for life insurance coverage. While it’s a fact that many who are overweight can remain healthy well into old age, insurance underwriters take a scientific approach to making the decisions. Using statistical analysis to arrive at health ratings and premium rates, underwriters know that being overweight increases an individual’s death rate in…

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