Are you wondering how to get more life insurance for less money? I did during the later stages of the pandemic, and my wife, Sydney, followed suit. She shares below how she was able to double her life insurance death benefit for less money with Policygenius. Getting more life insurance for less money is always […]
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Owning the right amount of life insurance is important to protect your family. The global pandemic has reminded us time and time again about our mortality and the importance of getting enough life insurance. If you haven’t done so already, calculate your net worth to assess how you did this past year. Hopefully, you’ve grown
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To keep your life insurance rate class, one way is to convert your term life into a permanent life insurance policy. The cost of your life insurance premiums depends on your health rate class. This post will share when converting a term life policy makes sense and when it may not. In a previous post,
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Preparing for death is something we all should do. The following guest post about preparing for death is by Chris Sipola, a reader I met while we were stuck in Frankfurt after our plane back to San Francisco broke down. We drowned our sorrows over free drinks at an airport hotel courtesy of United. At
Preparing For Death: A Checklist For The Inevitable Read More »
Healthcare affordability continues to be a concern for millions of Americans. When the Affordable Care Act (Obamacare) was enacted in 2010 I was happy. A universal healthcare system would insure the ~47 million Americans who were previously not insured. After all, disease doesn’t discriminate between rich and poor. Also, being rejected for healthcare coverage due
How Much Should I Pay For Healthcare? Introducing The Health Affordability Ratio Read More »
Here’s a look at the sates with the highest and lowest unemployment benefits. Unemployments vary more than you think by state. Therefore, some unemployed people are faring better than others. During the pandemic, the federal government significantly boosted unemployment benefits. The CARES Act provided an additional $600/week through the week of July 31, 2020. And
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The coronavirus pandemic really got me thinking about all of our children’s’ futures. The world was suboptimal for two years. But what will their world be like in this already brutally competitive place full of constant rejection? Let me share a guaranteed way to prevent unemployment: career insurance. In big cities, expect to spend up
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Besides the purchase price of a car, one must also calculate the potential maintenance cost, and auto insurance cost to determine affordability. We often focus on the first two costs. But, seldom do we realize the auto insurance cost differential until we’ve purchased the car! Back in 2012, I was so happy to negotiate $2,000
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If you want to get the best life insurance rate, get life insurance before seeing a doctor. If you see a doctor too many times for non-life threatening issues, life insurance companies may see you as a higher risk. Even if you see a doctor for something relatively harmless, like snoring, an overzealous doctor might
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After writing my post on life insurance needs when having a baby, a reader mentioned he was disappointed I didn’t mention Social Security survivor benefits. What’s funny is that I never think about Social Security when planning for my financial future. We all know Social Security is underfunded and the government will likely raise the minimum
Social Security Survivor Benefits: Life Insurance For All (Taxpayers) Read More »
