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According to recent data, there are 23.6 million people in the United States, or 8% of the population, who have diabetes. If you are one of them, here are 3 important tips to keep in mind to help you choose the best life insurance company for you.
Of course there are many different ways to choose the right amount of term life insurance you purchase. While many people choose the amount of their coverage based upon the cost of the premium, this often times leaves their family with less life insurance protection than they really need.
With the costs for term life insurance once again beginning to drop, it is a good time to take a second look at your life insurance policy and figure out just what your life is really worth.
Here is an article I wrote on this topic: How much term life insurance do I need?
Viva Life!
Sure, they might be famous and they might have made a lot of money, but that doesn’t mean they don’t run into financial troubles just like all the rest of us. That’s right, celebrities make money mistakes too. In fact, they make even more money than most of us so their mistakes are bigger too.
Here’s a look at 6 huge money mistakes celebrities have made over the past couple of years.
Heroism is latent in every human soul – However humble or unknown, they (the veterans) have renounced what are accounted pleasures and cheerfully undertaken all the self-denials – privations, toils, dangers, sufferings, sicknesses, mutilations, life-long hurts and losses, death itself – for some great good, dimly seen but dearly held.
~Joshua Lawrence Chamberlain
Diabetes is a serious disease affecting more than 25 million Americans. If not properly managed it can result in blindness, extreme circulatory problems, kidney disease and failure, and even death. For these reasons, most life insurance companies shy away from offering coverage to folks with all but the mildest forms of the disease. 
Until now. VivaQuote Insurance works diligently to find the lowest rates for term life insurance for diabetes, and we can now, through our partnership with United Home Life, offer Express Issue Term Life Insurance for Diabetes with No Medical Exam to individuals with Type 1 or Type 2 Diabetes.
VivaQuote has just added a new, express issue term life insurance product that does not require a medical exam. Perfect for Insulin Dependent Diabetes. Some highlights are:
Rates are very affordable for folks who’ve run into problems with getting coverage due to diabetes, cancer, heart disease, or weight issues.
A recent reports says that a majority of Americans have as little as $25,000 saved up for their retirement. The Employee Benefit Research Institute and Mathew Greenwald & Associates Inc. conducted a survey which says that more than 25% of employees say they are not aggressive enough regarding saving for their retirement. 
This is an increase over the 22% of insufficient savers reported last year. Also, 13% of employees surveyed said that they are very confident in saving for retirement.
It is important to have a plan for your retirement because your new way of life will depend in large part on what you have managed to save. In fact, more and more people are beginning to realize that they will not have enough to live on in retirement and are planning to continue working.
“Does it build up cash value?” That’s one of the first questions I get when I am giving a quote on a term policy. The reasoning behind the question baffles me.
We don’t expect our car insurance to generate income. We expect it to pay to get our car repaired when someone hits us.
We don’t expect our health insurance to put our kids through college. We expect it to help us pay our medical bills when an unplanned health event or emergency occurs.
We don’t expect flood insurance to give us a good retirement. We expect it to take care of the damage to our home and property when a flood occurs.
Why is it that we expect our life insurance to do any of those tasks? Life insurance is to protect our families in the event our untimely deaths. It should pay for any expenses related to our demise, and it should replace the lost income that occurs because we are no longer around to generate an income. It should not be there to make our dependents independently wealthy nor to take care of us in retirement.
Who could be more in need of life insurance than a single parent? Single parents with kids living at home make up the highest percentage of Americans without any life insurance, according to the Darden School of Business.
It’s a common misconception that life insurance is always expensive, of something you need to purchase all at one time. Life insurance should best be thought of as a journey that can be obtained in increments as your life evolves, and even a small amount of coverage can make a world of difference in the life of a child whose sole provider has died.
If your like most people, your career is your most valuable financial asset. Nothing else you own is likely worth as much (a few million dollars over your lifetime). And even if you do have something more valuable (like an
investment or real estate portfolio), you probably earned earned it by way of your career.
As with anything valuable, you need to…
