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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Risk-Taking Will Affect Life Insurance Rates

Risk-Taking Will Affect Life Insurance Rates

Applicants who are older, have health problems, smoke, or have a hazardous hobby or job will probably pay more.

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Tips to protect yourself from skin cancer this summer

Tips to protect yourself from skin cancer this summer

Each year, millions of Americans enjoy the summer sunshine by participating in outdoor activities, going to the beach and replacing sweaters and slacks with shorts and tank tops. Most Americans take care of their skin by slathering on sunscreen, but they may not know that some sunscreens don’t provide the maximum protection needed to ward off damaging sun rays.

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How missing sleep can increase life insurance rates

How missing sleep can increase life insurance rates

If you have a sleep disorder, the best way to get insurance at an affordable rate is to get treated.

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