Eating disorders are one of the most common health-related conditions in America. They are particularly pronounced among young women, who are under extreme social pressure to attain and maintain a certain body type. This can lead to severe psychological stress, that causes unusual eating activity that can result in serious health conditions. If you need […]
The following are posts by staff writer, Kevin Mercadante, who is a professional personal finance blogger, and the owner of his own personal finance blog, OutOfYourRut.com. He has backgrounds in both accounting and the mortgage industry.
Of all the health conditions that can affect your application for life insurance, diverticulitis is one of the most mild. Only in the most severe cases will it have an impact on your application or your premium rate, and even then not to the degree that will be the case with most other chronic health […]
The empty nester phase is that welcome time in life that fits nicely between the end of what are usually life’s biggest challenges and the retirement years. No, you’re not yet enjoying retirement, but at the same time you no longer have to worry about raising children, putting them through college, building a career or […]
Buying life insurance isn’t at all like buying a TV. You’re not making a one-time purchase – usually to get the lowest price – and then never come back. Buying life insurance is more like engaging the services of an accountant or doctor, where you’re looking to establish a long-term, working relationship with the agent […]
We don’t hear too much about burial insurance these days, but it actually figures significantly in the history of life insurance in the US, or at least one very prominent insurance company. According to the article on Prudential Insurance in Wikipedia, the company was actually built on burial insurance policies: “Started in Newark, New Jersey, […]
There are actually two short answers here – no, and sometimes. Confused? It’s actually not that complicated. There are two answers, because there are two potential tax liabilities that could be incurred as a result of receiving life insurance proceeds. Regular Income Tax Liability This is the tax liability that most people are most immediately […]
Just like virtually every other insurance policy that you can purchase, disability insurance policies have various options and riders available that you can add to the policy. Those options may be more than just luxuries – they may provide you with the type of complete coverage that you’re really expecting a disability policy to provide […]
Who doesn’t love employer paid benefits? That includes health insurance, life insurance, disability insurance, a company match on 401(k) contributions, and other assorted perks. In each case, the employer pays at least some of the cost of maintaining the benefit. But certain benefits are better when you have them on your own. Disability insurance is […]
If you know anything about Social Security, then you know that it isn’t just to provide retirement benefits. Social Security also pays disability to those who need it. So why do you need disability insurance when you can apply for Social Security? Two reasons: it won’t be easy, and it probably won’t be enough. Let’s […]
If you have a standard disability insurance policy through your employer, are you adequately covered? In many cases, the answer to that question is no. That’s because standard disability insurance only replaces a certain percentage of your pre-disability income. If that won’t be enough for you to live on, you may need supplemental disability insurance. […]
