Legacy, “a gift by will especially of money or other personal property” is the definition taken from Merriam-Webster’s online dictionary. Anything given to you by someone, who has marked you as beneficiary, after death. An article of clothing or a piece of jewelry. It could be a letter or land. However big or small, what…
Would you be affected if you or the primary wage earner in your family passed? One in three homes say that they would have immediate trouble paying living expenses1. September is Life Insurance Awareness month, meaning companies like Life Happens and LIMRA are working together to help educate the masses about the importance of life insurance.…
If you asked me about whole life insurance a few months ago, I wouldn’t even know where to begin. Whole life insurance? Doesn’t that mean your kids will get money after you die? Most people think that’s only what it does, but the truth is that’s only a fraction of it. Whole life insurance functions…
You’re just out of college, ready to start a family and you’re fairly healthy. You decided to purchase a 30-year term life insurance policy. By then, you’ll only be in your middle to late 50s. You’re still in the prime of your life. That term life insurance policy you bought and paid premiums on for…
For the average family estate planning something readily discussed, but should be a necessary part of family planning. When the family grows or changes, the dynamics of what will happen to the family’s assets changes, and regular reviews need to be done. Business owners take inventory and make plans for what will happen on an…
For most of my adult life I’ve managed bi-annual dental visits and made sure my children started seeing the dentist early as well. It wasn’t until I took my daughter for braces that I found out the real benefit of those twice yearly visits. In that visit to the orthodontist, he explained much more about…
Most people plan to work until they can reasonably retire; then having saved a nice pension enjoy the fruits of their labors. No one plans to have to retire early because of a disability. In reality, 43 percent of people on long-term disability are injured or become ill without ever reaching retirement age. Most often…
“Can you take me to the emergency room? I fell and twisted my knee. I can’t walk on it, let alone drive.” When the call came, I was fortunate that I was able to help and took my friend to the ER. My friend was sent for x-rays and later for an MRI, physical therapy…
I’m not so sure I am sometimes. It doesn’t take an accident or illness to let me know that I am insurance poor quite often. The rising cost of healthcare and co-pays for procedures quite often leave me wondering. One thing I don’t want to be lacking in is Income Protection. Knowing that accidents happen and…
It was hard not to watch as they hugged and cried tears of joy. I sat across the isle in a restaurant drinking my coffee. They appeared to be sisters by resemblance, and were apparently just given a reprieve from what they had thought would be a final separation. I couldn’t help but overhear the…