Calling all moms (and dads) to the Life Insurance Movement
Calling all moms (and dads) to the Life Insurance Movement -
When you find out you're having a baby, there are a million things you start think, to see your first picture of him on ultrasound, planning what color scheme you want for your room. What you do not think about life insurance. At least I do not have it.
But once the first shot in pregnancy wears off, you certainly start thinking about "the future." I quickly realized that I could not get life insurance coverage during pregnancy (Gulp!), But my husband certainly had its political square away.
Then this beautiful baby package came, and one of the first things I did (after sleep deprivation subsided enough that I could read a contract) was getting a policy.
Then life went on.
several years have passed and I learned how costly it is to raise a child and how it only gets more expensive as the years go on, not to mention the college in a distant future ( although it is difficult to think "campus and textbooks", while changing diapers). and then I had the opportunity to watch this video on Tracy Basden life lessons.
I had already seen. But as I looked again, now as a mother more experienced, I felt a hole in my stomach. I never, ever, ever, I wanted my son to go by something that remotely resembles the struggles that Tracy and her brother endured.
I do not think I will die prematurely, but how the hell do I know if this is true or just wishful thinking. the point is that I do not know. as soon as the video ended, I took the phone and called my agent. We put more life insurance in place. I wanted and want you ensure that if anything should happen to me, my husband could focus on increasing our son, who would be difficult without a wife and mother, without that being made infinitely more difficult with worries Financial. I want to assure you that my son has a bright future, whatever he chooses to do so.
When the invoice of my bonus comes, I write at this time and do it with joy, knowing that my coverage is there ... just in case.
and every time I talk to a parent-new or not so new that a procrastinating whether or not to buy a life insurance, Jenna, I send a link to the story of Tracy .
Today, the blogosphere celebrates the life insurance Movement. You can join by spreading the word through your blog, Facebook, Twitter, even picking up the phone. The more amazing prizes for those who it is simple to grasp. Check it out here. And more importantly, you can celebrate by getting life insurance coverage you need.
When you find out you're having a baby, there are a million things you start think, to see your first picture of him on ultrasound, planning what color scheme you want for your room. What you do not think about life insurance. At least I do not have it.
But once the first shot in pregnancy wears off, you certainly start thinking about "the future." I quickly realized that I could not get life insurance coverage during pregnancy (Gulp!), But my husband certainly had its political square away.
Then this beautiful baby package came, and one of the first things I did (after sleep deprivation subsided enough that I could read a contract) was getting a policy.
Then life went on.
several years have passed and I learned how costly it is to raise a child and how it only gets more expensive as the years go on, not to mention the college in a distant future ( although it is difficult to think "campus and textbooks", while changing diapers). and then I had the opportunity to watch this video on Tracy Basden life lessons.
I do not think I will die prematurely, but how the hell do I know if this is true or just wishful thinking. the point is that I do not know. as soon as the video ended, I took the phone and called my agent. We put more life insurance in place. I wanted and want you ensure that if anything should happen to me, my husband could focus on increasing our son, who would be difficult without a wife and mother, without that being made infinitely more difficult with worries Financial. I want to assure you that my son has a bright future, whatever he chooses to do so.
When the invoice of my bonus comes, I write at this time and do it with joy, knowing that my coverage is there ... just in case.
and every time I talk to a parent-new or not so new that a procrastinating whether or not to buy a life insurance, Jenna, I send a link to the story of Tracy .
Today, the blogosphere celebrates the life insurance Movement. You can join by spreading the word through your blog, Facebook, Twitter, even picking up the phone. The more amazing prizes for those who it is simple to grasp. Check it out here. And more importantly, you can celebrate by getting life insurance coverage you need.
I saw what life without life insurance
I saw what life without life insurance -
The friend of my uncle had decided to end his life insurance; the form, unsigned, was sitting on his bed when he had a heart attack and died. Because it has not signed the form, his widow received the payment of life insurance, which helped her to survive and live a comfortable financial life after death.
My parents do not feel they could afford life insurance, but they took advantage of the policy without my father was eligible to work, and freedom of policy at their cash, which was a good thing. My father died of colon cancer at age 38, just four months after her diagnosis. There were enough life insurance for my mother, a housewife, to pay for the house, but there was not much beyond. A good life insurance policy would have to invest his money so she could continue to stay at home with my brother, who had cerebral palsy and needed care throughout the day and night in of his life.
Because of my experience with my father, my husband and I signed up for life insurance when our son was just a child. I saw what life is like without life insurance safety net, and it's not good. My mother has financial difficulties in the 26 years since the death of my father.
Why we pay for life insurance
My husband and I wanted to ensure that if one of us died, the other would be able to invest the money and live interest. At least, we wanted to have an amount of time where you could focus on taking care of our family and do not worry about money.
Life insurance will help pay for college for our children. If I die, the money will help my husband hire a guardian for our children; if my husband dies, the money will allow me to continue my freelance career, working from home, and supplement my income so that I can provide for children.
Death is a reality, We Just Don 't know when it will happen
Nobody wants to think about death, but we are all going. Hopefully we live a long life, but just take a minute to cope with the frightening possibility of something happening to you or your significant other. How could you survive financially? How your spouse? If you have both spent, how legal guardians support your children financially?
If you do not have life insurance, these issues become very difficult to answer. If you have life insurance, you may feel pain at the thought of losing your spouse, but you will not be concerned about the financial aspect of such a loss.
Life insurance is now more affordable than ever. You may think you do not have money to buy it, but I invite you to evaluate your spending. We try to repay the debt to a gazelle intensity. Of course, we pay $ 77 every month for life insurance would be a good deal of money to put on our debt, but that is short-term thinking. I prefer to pay debt just a little slower than I could pay our life insurance premiums and to know that our family will be supported financially if my husband or I die early.
Do you have life insurance? If you do not, what's keeping you?
This appears originally on the blog Mom plans Melissa.
The friend of my uncle had decided to end his life insurance; the form, unsigned, was sitting on his bed when he had a heart attack and died. Because it has not signed the form, his widow received the payment of life insurance, which helped her to survive and live a comfortable financial life after death.
My parents do not feel they could afford life insurance, but they took advantage of the policy without my father was eligible to work, and freedom of policy at their cash, which was a good thing. My father died of colon cancer at age 38, just four months after her diagnosis. There were enough life insurance for my mother, a housewife, to pay for the house, but there was not much beyond. A good life insurance policy would have to invest his money so she could continue to stay at home with my brother, who had cerebral palsy and needed care throughout the day and night in of his life.
Because of my experience with my father, my husband and I signed up for life insurance when our son was just a child. I saw what life is like without life insurance safety net, and it's not good. My mother has financial difficulties in the 26 years since the death of my father.
Why we pay for life insurance
My husband and I wanted to ensure that if one of us died, the other would be able to invest the money and live interest. At least, we wanted to have an amount of time where you could focus on taking care of our family and do not worry about money.
Life insurance will help pay for college for our children. If I die, the money will help my husband hire a guardian for our children; if my husband dies, the money will allow me to continue my freelance career, working from home, and supplement my income so that I can provide for children.
Death is a reality, We Just Don 't know when it will happen
Nobody wants to think about death, but we are all going. Hopefully we live a long life, but just take a minute to cope with the frightening possibility of something happening to you or your significant other. How could you survive financially? How your spouse? If you have both spent, how legal guardians support your children financially?
If you do not have life insurance, these issues become very difficult to answer. If you have life insurance, you may feel pain at the thought of losing your spouse, but you will not be concerned about the financial aspect of such a loss.
Life insurance is now more affordable than ever. You may think you do not have money to buy it, but I invite you to evaluate your spending. We try to repay the debt to a gazelle intensity. Of course, we pay $ 77 every month for life insurance would be a good deal of money to put on our debt, but that is short-term thinking. I prefer to pay debt just a little slower than I could pay our life insurance premiums and to know that our family will be supported financially if my husband or I die early.
Do you have life insurance? If you do not, what's keeping you?
This appears originally on the blog Mom plans Melissa.
It is life insurance Awareness Month
It is life insurance Awareness Month -
Life Insurance Awareness Month is observed every September. It is an educational initiative that helps you resolve some of the issues and the most common concerns related to the coverage of life insurance. The theme this year is "Life happens," something we hope you keep in mind when it comes to reviewing your life insurance coverage and become more educated to not let the life just happen.
the 2012 spokesman Buddy is the "cake boss" Valastro. After losing his father and being forced to leave school for keep the family business afloat, Buddy learned firsthand what happens when there is no life insurance protection. Buddy's story is one example of many that are shared during of life insurance awareness Month.
with the economy still struggling, many Americans may have or have had to choose between paying bills and the purchase of life insurance. the decision to go without life insurance could put families at financial risk during a period of emotional and financial stress, leaving them unprepared for the future. According to a study by LIMRA, three in 10 American households (35 million) are uninsured, and half say they need more life insurance. The survey also showed:
During September, LIFE will share realLIFEstories real people who planned and prepared for the unexpected by purchasing life insurance to protect their loved ones. These families share their stories in the hope that it will educate and motivate others to take personal accountability through the use of life insurance and related products. Take action today to protect those you love.
Life Insurance Awareness Month is observed every September. It is an educational initiative that helps you resolve some of the issues and the most common concerns related to the coverage of life insurance. The theme this year is "Life happens," something we hope you keep in mind when it comes to reviewing your life insurance coverage and become more educated to not let the life just happen.
the 2012 spokesman Buddy is the "cake boss" Valastro. After losing his father and being forced to leave school for keep the family business afloat, Buddy learned firsthand what happens when there is no life insurance protection. Buddy's story is one example of many that are shared during of life insurance awareness Month.
with the economy still struggling, many Americans may have or have had to choose between paying bills and the purchase of life insurance. the decision to go without life insurance could put families at financial risk during a period of emotional and financial stress, leaving them unprepared for the future. According to a study by LIMRA, three in 10 American households (35 million) are uninsured, and half say they need more life insurance. The survey also showed:
- 95 million Americans have no life insurance, and those who make between $ 35,000 and $ 100,000 per year represent the largest group of these households
- Seven out of 10 women agree to have a life insurance policy is a must and everyone should have.
- a third of married women do not have life insurance, despite the fact that 7 out of 10 households are dual income.
- over half of households in the generation X and Y need more life insurance.
During September, LIFE will share realLIFEstories real people who planned and prepared for the unexpected by purchasing life insurance to protect their loved ones. These families share their stories in the hope that it will educate and motivate others to take personal accountability through the use of life insurance and related products. Take action today to protect those you love.
Stay on Starting Over and covered
Stay on Starting Over and covered -
I am 41 years old. I'm at the end of the tail of what was an out if particular litigation amicable divorce and undrawn. And I'm scared.
You see, all my life, I had health insurance. I've never had to think about it much, to be honest, because it's just always been there, always been available to me. During my life I have been covered by the policies of my parents, and health insurance provided by my assistant graduate school, my work for the last 10 years by the work of my husband. I've never had to worry about going to the doctor, pay for a prescription or to undergo tests. And now I see how extremely privileged and lucky I was that I should not address these concerns.
But before the end of summer, in a month or two, that will be true. And no, it would not be an exaggeration to say that terrifies me.
My daughter will always be covered by the policy of my ex, which is certainly a relief and blessing. And my health is good, which should help to qualify for lower rates. But in this aspect of my life, as with many others, I am now faced with a lot of uncertainty, and no strong sense of what my options are and what the future would reserve.
What kind of health insurance can afford even I as an independent single mother? Will I be able to go to the doctor regularly, or only disaster? What type of prescription coverage someone with my income can get, and where will that leave me if I become seriously ill? How will I be able to bear the additional expenses?
Friends suggested that I consider COBRA, but from what I heard, the rates are generally higher than if I tried to write off and get the assurance of my own, since I am healthy. My first plan of attack is to approach the family insurance provider used those 10 years or more, and basically ask what they can offer me, and at what cost per month.
I found a few websites that appear to be information centers health care plans where you can purchase plans online, but I worry about going through a Web site for coverage. My biggest fear, however, is to have any real sense of the reasonable cost are the different types of coverage, I could get stuck with a plan that is not what I need.
How have those who 'have been in my position has found reasonable health insurance that meets your needs?
I also realize that I have to look at other types of insurance. Life insurance, for one, is something I've never had.
Where do you begin to approach these issues? I would love to hear your experiences, your ideas and suggestions on these subjects believe me, I can use them.
I am 41 years old. I'm at the end of the tail of what was an out if particular litigation amicable divorce and undrawn. And I'm scared.
You see, all my life, I had health insurance. I've never had to think about it much, to be honest, because it's just always been there, always been available to me. During my life I have been covered by the policies of my parents, and health insurance provided by my assistant graduate school, my work for the last 10 years by the work of my husband. I've never had to worry about going to the doctor, pay for a prescription or to undergo tests. And now I see how extremely privileged and lucky I was that I should not address these concerns.
But before the end of summer, in a month or two, that will be true. And no, it would not be an exaggeration to say that terrifies me.
What kind of health insurance can afford even I as an independent single mother? Will I be able to go to the doctor regularly, or only disaster? What type of prescription coverage someone with my income can get, and where will that leave me if I become seriously ill? How will I be able to bear the additional expenses?
Friends suggested that I consider COBRA, but from what I heard, the rates are generally higher than if I tried to write off and get the assurance of my own, since I am healthy. My first plan of attack is to approach the family insurance provider used those 10 years or more, and basically ask what they can offer me, and at what cost per month.
I found a few websites that appear to be information centers health care plans where you can purchase plans online, but I worry about going through a Web site for coverage. My biggest fear, however, is to have any real sense of the reasonable cost are the different types of coverage, I could get stuck with a plan that is not what I need.
How have those who 'have been in my position has found reasonable health insurance that meets your needs?
I also realize that I have to look at other types of insurance. Life insurance, for one, is something I've never had.
Where do you begin to approach these issues? I would love to hear your experiences, your ideas and suggestions on these subjects believe me, I can use them.
"Mo 'Money, fewer problems" Insurance
"Mo 'Money, fewer problems" Insurance -
You can call life insurance, but from that moment, I'll call, MMLP " Mo 'money, fewer problems "insurance! You die and your family become addicted to do what!
The fact of the matter is that MMLP is super important, especially if you have loving husbands or wives or racing plethora children all around your home. The last thing you want to do is put them in more trouble * * financially after losing their favorite person in the world! Be sure to give them the peace of mind so they can live a long life and stress when you left-it's the best thing you can leave!
Here are 4 reasons why MMLP is important (Apart from the love and memories, of course.)
So the question you should really think about at the moment is * how * you must be feeling that good. And sadly, it will be your comfort levels you and like any pro can tell you a magic number (but they still will try). Personally, we came up with our own numbers by asking us what our objectives were. And now that I look back at this position, I realize it's already been four years and we need to update it! Yikes ... I guess the Life Insurance Movement is for me and you, ha ha ...
Our goals with MMLP were as follows:
term life insurance ... is life insurance that provides coverage at a fixed rate payments for a limited period of time, the relevant term ... If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific time period.
So basically, you pay a sum of money to cover a certain period of time, and when / if you die it pays X amount to the person you have linked at. Nice and simple. Here is how it currently breaks down to us (again, we need to call and adjust it):
another question is who nE * * need life insurance at all? Or is there no one who falls into this category? I always think that everyone needs, but whenever I get too confident maybe there are those who do not. Like maybe people who are single and / or no debt whatsoever? I do not think there is 100% of answers, but I think it is entirely at your own comfort levels. Some of us as being covered for everything out there, and others could care less. The only thing I will say is that * someone * will pay for your funeral at some point, and maybe other things? So it may be wise to get at least a little. It really does not cost that much.
If it helps, here are some resources that will much more in detail. I reviewed 'em too:
Whatever the case to think for a second hot and then move on to your coffee and Facebook.
There will probably be four years until I blog about it again, so you do not have to worry about me check on you, haha ... just promise me you think!
Note: This post originally appeared on the blog of money J. budget are $ exy during movement of life insurance, a one-day blogathon was co-sponsored by LIFE and was coordinated by Jeff Rose good financial Cents.
You can call life insurance, but from that moment, I'll call, MMLP " Mo 'money, fewer problems "insurance! You die and your family become addicted to do what!
The fact of the matter is that MMLP is super important, especially if you have loving husbands or wives or racing plethora children all around your home. The last thing you want to do is put them in more trouble * * financially after losing their favorite person in the world! Be sure to give them the peace of mind so they can live a long life and stress when you left-it's the best thing you can leave!
Here are 4 reasons why MMLP is important (Apart from the love and memories, of course.)
- When you die, it's going to cost money. Who depend on you.
- It is good to give your family peace of mind.
- It is good to give you total peace of mind while you are still alive! 😉
- And more importantly, you can always rule out other matters of your mom or dad (or personal finance blogger?) On why you do not act like an adult and obtain assurance 😉 Nice, huh?
So the question you should really think about at the moment is * how * you must be feeling that good. And sadly, it will be your comfort levels you and like any pro can tell you a magic number (but they still will try). Personally, we came up with our own numbers by asking us what our objectives were. And now that I look back at this position, I realize it's already been four years and we need to update it! Yikes ... I guess the Life Insurance Movement is for me and you, ha ha ...
Our goals with MMLP were as follows:
- We wanted to be completely debt free in no case among us went bye.
- we wanted to "set and forget" so you do not think about death every day ...
- and now we want to ensure all of $ baby together for the future and other spending spree that can come during his life if we left.
term life insurance ... is life insurance that provides coverage at a fixed rate payments for a limited period of time, the relevant term ... If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific time period.
So basically, you pay a sum of money to cover a certain period of time, and when / if you die it pays X amount to the person you have linked at. Nice and simple. Here is how it currently breaks down to us (again, we need to call and adjust it):
- My plan MMLP :. $ 30.99 per month, which pays $ 350,000 if I die within 30 years
- The Plan of Mme. $ 24.57 per month, which pays $ 350,000 if she dies within 30 years
another question is who nE * * need life insurance at all? Or is there no one who falls into this category? I always think that everyone needs, but whenever I get too confident maybe there are those who do not. Like maybe people who are single and / or no debt whatsoever? I do not think there is 100% of answers, but I think it is entirely at your own comfort levels. Some of us as being covered for everything out there, and others could care less. The only thing I will say is that * someone * will pay for your funeral at some point, and maybe other things? So it may be wise to get at least a little. It really does not cost that much.
If it helps, here are some resources that will much more in detail. I reviewed 'em too:
- Life Insurance 101 Guide
- Life Insurance Calculator needs
Whatever the case to think for a second hot and then move on to your coffee and Facebook.
There will probably be four years until I blog about it again, so you do not have to worry about me check on you, haha ... just promise me you think! Note: This post originally appeared on the blog of money J. budget are $ exy during movement of life insurance, a one-day blogathon was co-sponsored by LIFE and was coordinated by Jeff Rose good financial Cents.
This Is a Wake-Up Call
This Is a Wake-Up Call -
Given the increasing role women play in society as professionals, breadwinners and as the dominant gender in old age, women need to be more aware and active in their financial planning.
women now represent the majority of college graduates, nearly half the workforce and are becoming the main breadwinners in many households. Yet most remain uneasy or uninvolved when just talk about insurance and money management.
Many women (single, married or with a partner) are mainstays in their homes, according to a 2012 study of 1,410 women and 604 men by Prudential. This study shows that women who are married or living with a partner, compared to 22% more money than their husbands or partners and their earning potential is growing. In 08, women contributed to 36% of family income, against around 27% in 1970, according to a 2011 survey of over 4,500 households by financial services research firm hearts and wallets.
A The evolution of landscape
A high divorce rates, more women exhausted men, means that 80% to 0% of women will be solely responsible their finances at some point in their lives.
The problem? financial responsibilities of women are growing faster than their knowledge, says Joan Cleveland, senior vice president of business development for individual life insurance at Prudential.
Numerous studies in the past decade have shown that women always feel less confident than men in their understanding of financial products, their ability to make financial decisions and their perception of their current economic situation, Prudential and hearts and portfolios of education among them.
women are 42% more likely than men to worry about having enough money for retirement; 49% say they are "very inexperienced" investment against 34% of men and 42% say they are "very uncomfortable" taking the investment risk compared with 28% of men the survey 2012 Hearts & Wallets of 5,460 households shows.
Some of them can be attributed to traditional gender roles, particularly among baby boomers. They are still in the generation where is accepted for a man to drive these decisions. Many lack knowledge because they must do so in the past.
But it can also be due to the financial services industry, which hosts mostly men in the way it presents and discusses information and products.
women like to learn in groups and consultations with their peers more than men and women find the most inhospitable jargon and tend to turn a deaf ear when things are explained from the perspective of performance. These kinds of details are important for women to recognize, as they often shape their financial priorities.
High Anxiety
The hearts and wallets 2012 study shows that having dependents increases financial stress for women more than it does for men. Among the women with children, 39% reported moderate or high anxiety about their financial situation in retirement compared to 29% of men with children.
Pershing recently published a guide describing how catering to women is important for the future success of companies and financial planners. It argues that financial advisers must file gender stereotypes and assumptions that women can not or does not want to understand the investment, and the need to take the time to develop closer relationships with female clients.
Counsellors must pay attention because women are 51% of the population, and the economic power they wield is huge. Insurance agents and advisors need to become better listeners, more empathetic and focus on financial education when working with women, but women must also face their apparent inability to grasp financial concepts .
Women must be more involved in the treatment of their investments, the protection of their income and the value of human life by insurance and retirement planning.
Given the increasing role women play in society as professionals, breadwinners and as the dominant gender in old age, women need to be more aware and active in their financial planning.
women now represent the majority of college graduates, nearly half the workforce and are becoming the main breadwinners in many households. Yet most remain uneasy or uninvolved when just talk about insurance and money management.
Many women (single, married or with a partner) are mainstays in their homes, according to a 2012 study of 1,410 women and 604 men by Prudential. This study shows that women who are married or living with a partner, compared to 22% more money than their husbands or partners and their earning potential is growing. In 08, women contributed to 36% of family income, against around 27% in 1970, according to a 2011 survey of over 4,500 households by financial services research firm hearts and wallets.
A The evolution of landscape
A high divorce rates, more women exhausted men, means that 80% to 0% of women will be solely responsible their finances at some point in their lives.
The problem? financial responsibilities of women are growing faster than their knowledge, says Joan Cleveland, senior vice president of business development for individual life insurance at Prudential.
Numerous studies in the past decade have shown that women always feel less confident than men in their understanding of financial products, their ability to make financial decisions and their perception of their current economic situation, Prudential and hearts and portfolios of education among them.
women are 42% more likely than men to worry about having enough money for retirement; 49% say they are "very inexperienced" investment against 34% of men and 42% say they are "very uncomfortable" taking the investment risk compared with 28% of men the survey 2012 Hearts & Wallets of 5,460 households shows.
Some of them can be attributed to traditional gender roles, particularly among baby boomers. They are still in the generation where is accepted for a man to drive these decisions. Many lack knowledge because they must do so in the past.
But it can also be due to the financial services industry, which hosts mostly men in the way it presents and discusses information and products.
women like to learn in groups and consultations with their peers more than men and women find the most inhospitable jargon and tend to turn a deaf ear when things are explained from the perspective of performance. These kinds of details are important for women to recognize, as they often shape their financial priorities.
High Anxiety
The hearts and wallets 2012 study shows that having dependents increases financial stress for women more than it does for men. Among the women with children, 39% reported moderate or high anxiety about their financial situation in retirement compared to 29% of men with children.
Pershing recently published a guide describing how catering to women is important for the future success of companies and financial planners. It argues that financial advisers must file gender stereotypes and assumptions that women can not or does not want to understand the investment, and the need to take the time to develop closer relationships with female clients.
Counsellors must pay attention because women are 51% of the population, and the economic power they wield is huge. Insurance agents and advisors need to become better listeners, more empathetic and focus on financial education when working with women, but women must also face their apparent inability to grasp financial concepts .
Women must be more involved in the treatment of their investments, the protection of their income and the value of human life by insurance and retirement planning.
Be prepared for your life to change: now accepting scholarship applications
Be prepared for your life to change: now accepting scholarship applications -
At age 19, I lost my mother to cancer. Because she had no life insurance, I experienced many financial difficulties and found myself in desperate need of college funding.
This is when I came across the life lessons fellowship program and applied. From the moment I received the scholarship $ 7.500 last year, my life had come full circle, and I was sent to a flawless trip I never thought possible.
I did not understand the importance of life insurance until I lost my mother. This whole trip made me realize how much life insurance is, my life would surely have turned life insurance differently had there been.
Part of the scholarship application process is to tell your story, how your life was affected because your parent had little or no life insurance. Before, my story was very difficult. Winning the award allowed me to broaden this perspective. Now, my story is fun because I know it will help other families avoid what happened to mine.
In addition to the video that shows my story, I am invited to speak to a wide audience nationally and internationally. This experience has also opened doors for me career-wise as well, for me too, became part of the life insurance industry by becoming a motivational speaker and landing an internship with New York Life.
My experience with life lessons Scholarship Program was the best thing that could ever happen to me. Sometimes we just need someone to believe in us, and the rest will take its course. I am able to go to school with peace of mind, I began to pick up the pieces of my life.
I encourage others who are in my situation to ask for one of these scholarships. If you have lost a parent who had little or no life insurance and you need financial assistance to get a college education, be sure to click this link and complete the request form, you can do it either in writing or by video. It took me three tries to apply before I received the scholarship, so keep it!
Keep in mind that wherever your life takes you, it's your experiences that make the stories of your life. Opportunity is different for everyone, but we all have to start somewhere. I understand the difficulty to share your loss history; but believe me when I say that there is nothing more rewarding than the time you realize your life is about to change.
At age 19, I lost my mother to cancer. Because she had no life insurance, I experienced many financial difficulties and found myself in desperate need of college funding.
This is when I came across the life lessons fellowship program and applied. From the moment I received the scholarship $ 7.500 last year, my life had come full circle, and I was sent to a flawless trip I never thought possible.
I did not understand the importance of life insurance until I lost my mother. This whole trip made me realize how much life insurance is, my life would surely have turned life insurance differently had there been.
Part of the scholarship application process is to tell your story, how your life was affected because your parent had little or no life insurance. Before, my story was very difficult. Winning the award allowed me to broaden this perspective. Now, my story is fun because I know it will help other families avoid what happened to mine.
In addition to the video that shows my story, I am invited to speak to a wide audience nationally and internationally. This experience has also opened doors for me career-wise as well, for me too, became part of the life insurance industry by becoming a motivational speaker and landing an internship with New York Life.
My experience with life lessons Scholarship Program was the best thing that could ever happen to me. Sometimes we just need someone to believe in us, and the rest will take its course. I am able to go to school with peace of mind, I began to pick up the pieces of my life.
I encourage others who are in my situation to ask for one of these scholarships. If you have lost a parent who had little or no life insurance and you need financial assistance to get a college education, be sure to click this link and complete the request form, you can do it either in writing or by video. It took me three tries to apply before I received the scholarship, so keep it!
Keep in mind that wherever your life takes you, it's your experiences that make the stories of your life. Opportunity is different for everyone, but we all have to start somewhere. I understand the difficulty to share your loss history; but believe me when I say that there is nothing more rewarding than the time you realize your life is about to change.
Have you planned for Pizza?
Have you planned for Pizza? -
You are trying to determine how much money you need to save, net loans and grant money for your children's college expenses. You think you have a handle on this, but have you included pizza once a week? One meal per week means $ 2,000 spent on pizza when your son or daughter graduates from a four-year program. What about the occasional beer? OK, she is under 21, so we will do as soda. I bet you did not understand that in your number, because most families plan their college expenses based on the figures provided by the colleges and universities themselves, which are very loose estimates and the cost of essentials such as transportation and school textbooks of a degree.
The College Board reports that in 2010-2011, students could expect to spend an average of $ 1.137 on textbooks and supplies, and some textbooks can cost several hundred dollars.
Transport is another matter and can run several thousand dollars a year depending on whether your child lives on campus or commute. Or if it switches to what extent and what are the costs? What is the cost of fuel and maintenance of your vehicle?
What if your child decides to live in an apartment? Now you must add rent, insurance, groceries and utilities. What machine, cell phone and Internet service? The list is long.
Ahh! You knew this was going to be painful. But wait. What happens if you're not here to save or pay for it? What if you are hit by the proverbial bus?
I have a solution. It is called life insurance. It is a very cheap solution, and if you get hit by a bus, life insurance can supplement your savings and pay for the education of your child. If you do not have life insurance, you should. Just read one of our lessons in life-stories as Brittney LaCombe's see what happens when you do not.
Put life insurance in your planning. It's part of you take personal accountability for your family.
You are trying to determine how much money you need to save, net loans and grant money for your children's college expenses. You think you have a handle on this, but have you included pizza once a week? One meal per week means $ 2,000 spent on pizza when your son or daughter graduates from a four-year program. What about the occasional beer? OK, she is under 21, so we will do as soda. I bet you did not understand that in your number, because most families plan their college expenses based on the figures provided by the colleges and universities themselves, which are very loose estimates and the cost of essentials such as transportation and school textbooks of a degree.
The College Board reports that in 2010-2011, students could expect to spend an average of $ 1.137 on textbooks and supplies, and some textbooks can cost several hundred dollars.
Transport is another matter and can run several thousand dollars a year depending on whether your child lives on campus or commute. Or if it switches to what extent and what are the costs? What is the cost of fuel and maintenance of your vehicle?
What if your child decides to live in an apartment? Now you must add rent, insurance, groceries and utilities. What machine, cell phone and Internet service? The list is long.
Ahh! You knew this was going to be painful. But wait. What happens if you're not here to save or pay for it? What if you are hit by the proverbial bus?
I have a solution. It is called life insurance. It is a very cheap solution, and if you get hit by a bus, life insurance can supplement your savings and pay for the education of your child. If you do not have life insurance, you should. Just read one of our lessons in life-stories as Brittney LaCombe's see what happens when you do not.
Put life insurance in your planning. It's part of you take personal accountability for your family.
a gift that will keep on giving
a gift that will keep on giving -
The holidays are fast approaching, and high on the list of things to do is give the annual quest to find just the right gifts for your loved ones. You probably very specific criteria: You want something that meets their needs, not just satisfied their desires, and something that will last beyond the holiday season
You probably do not lack of gift ideas, but here. AOS something you may not have considered: get life insurance for yourself. Yes you. You see, life insurance is a way to show your love year Äôround, and is a gift that will keep on giving even when you are no longer here.
It, AOS the security donation , ensuring that those who rely on you now will be covered if something unexpected happen. For example, because Mike Rowe listened to his insurance agent and kept his existing life policy despite having financial difficulties, his wife and four children CindyLu were provided for when he died at age 47 with brain cancer.
It, AOS the gift of a future , an investment against your children, AOS potential and unexpected needs. The experience of Norm and Sandy page (another of LIFE realLIFEstories AOS) illustrates this in a very clear way. When the son couple OSA, Adam, was born with spina bifida, Norm and Sandy used part of the money value of their whole life policies to pay not only for medical items not covered by the health insurance, but also to help their son pursue his dream of getting a place on the national sledge hockey team US. He succeeded, and, at 18, Adam has won a gold medal at the Paralympics in Vancouver.
It, AOS the gift of love and a way to help relieve the pain that comes with loss. Both Missy Junk, orphaned at age 16, and John Butcher, whose wife of 37 years died of an undiagnosed heart disease, learned everything nothing can replace those who, AOVE parties, knowing that they cared enough to ensure their lives are proof of the love they had for those who remain.
Because life insurance is an investment, you want to ensure you buy the right amount and the right type for your needs and circumstances. Start by visiting 101 insurance and life insurance needs calculator online. Then contact a qualified insurance professional in your area to start the application process.
It, AOS the ideal gift to give to those you love!
The holidays are fast approaching, and high on the list of things to do is give the annual quest to find just the right gifts for your loved ones. You probably very specific criteria: You want something that meets their needs, not just satisfied their desires, and something that will last beyond the holiday season
You probably do not lack of gift ideas, but here. AOS something you may not have considered: get life insurance for yourself. Yes you. You see, life insurance is a way to show your love year Äôround, and is a gift that will keep on giving even when you are no longer here.
It, AOS the security donation , ensuring that those who rely on you now will be covered if something unexpected happen. For example, because Mike Rowe listened to his insurance agent and kept his existing life policy despite having financial difficulties, his wife and four children CindyLu were provided for when he died at age 47 with brain cancer.
It, AOS the gift of a future , an investment against your children, AOS potential and unexpected needs. The experience of Norm and Sandy page (another of LIFE realLIFEstories AOS) illustrates this in a very clear way. When the son couple OSA, Adam, was born with spina bifida, Norm and Sandy used part of the money value of their whole life policies to pay not only for medical items not covered by the health insurance, but also to help their son pursue his dream of getting a place on the national sledge hockey team US. He succeeded, and, at 18, Adam has won a gold medal at the Paralympics in Vancouver.
It, AOS the gift of love and a way to help relieve the pain that comes with loss. Both Missy Junk, orphaned at age 16, and John Butcher, whose wife of 37 years died of an undiagnosed heart disease, learned everything nothing can replace those who, AOVE parties, knowing that they cared enough to ensure their lives are proof of the love they had for those who remain.
Because life insurance is an investment, you want to ensure you buy the right amount and the right type for your needs and circumstances. Start by visiting 101 insurance and life insurance needs calculator online. Then contact a qualified insurance professional in your area to start the application process.
It, AOS the ideal gift to give to those you love!
What Bambi has to do with life insurance?
What Bambi has to do with life insurance? -
This is the time of year when many people pack their car with family and hit the road visit relatives. It is also time to collision deer, with many of these incidents ended with deadly consequences for drivers and passengers. This makes the deer one of the most dangerous animals in North America, according to an article by Doyle Rice USA TODAY.
The article tells the story of an extended family of 10 who was driving from Chicago to New Jersey when their van hit a deer on the Indiana Toll Road. When they stopped or slowed down, they were then hit by one point going 65 mph. Three adults and four children died in the accident, while three others were hospitalized.
The article goes on to say that according to the National Highway Traffic Safety Administration, there are about 1 million car accidents with deer each year kill 0 Americans, cause more than 10,000 personal injury, and result in $ 1 billion in vehicle damage. West Virginia tops the list of states where a driver is most likely to run into a deer, State Farm reports. The other states in the top 10 are Iowa, South Dakota, Pennsylvania, Michigan, Montana, Wisconsin, Minnesota, North Dakota and Wyoming.
What does all this have to do with insurance? Just think what position would you or your family if you were involved in an incident like the one described above and you had no life, disability or long-term care insurance? Make sure your car. If you are not sure your most valuable asset, your life?
The article tells the story of an extended family of 10 who was driving from Chicago to New Jersey when their van hit a deer on the Indiana Toll Road. When they stopped or slowed down, they were then hit by one point going 65 mph. Three adults and four children died in the accident, while three others were hospitalized.
The article goes on to say that according to the National Highway Traffic Safety Administration, there are about 1 million car accidents with deer each year kill 0 Americans, cause more than 10,000 personal injury, and result in $ 1 billion in vehicle damage. West Virginia tops the list of states where a driver is most likely to run into a deer, State Farm reports. The other states in the top 10 are Iowa, South Dakota, Pennsylvania, Michigan, Montana, Wisconsin, Minnesota, North Dakota and Wyoming.
What does all this have to do with insurance? Just think what position would you or your family if you were involved in an incident like the one described above and you had no life, disability or long-term care insurance? Make sure your car. If you are not sure your most valuable asset, your life?
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