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The Intelligent Life Blog

Helping millions of Americans become educated
in making intelligent decisions around their life needs

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Decisions, Decisions: What to Consider When Choosing Life Insurance?

Mar 1, 2017 10:20:00 AM

It's never pleasant to discuss or even think about your own demise, but making legal and financial accommodations for your loved ones is just the right thing to do. In fact, putting the right measures in place to take care of loved ones after you're gone can ease the burden of these awkward conversations and give you some much-needed peace of mind.

One way to plan for these uncertainties is with a life insurance policy. If you've decided to purchase life insurance to protect your loved ones' financial future, you've made the right choice. You still have a few decisions to make, however. Here are several things to consider so that you choose the right insurance policy for your needs.




Love, Marriage --- What's Next?

Feb 26, 2017 7:22:00 PM

Anyone who finds their life partner should be commended. It's not easy to find that one person that you want to spend the rest of your life with and who appreciates your unique quirks. Now that you've made that commitment in front of family and friends and hopefully had a nice honeymoon, there's some business to attend to.

The idea of being married and actually settling down into life as a married couple are two very different things. While you'll still enjoy evenings out and plenty of good times, living as a married couple requires some planning. Here are just a few things you'll need to take care of as you merge from two people who are dating into a family that is building a future together.




Bringing Out Your Mean Green on March 17

Feb 16, 2017 6:13:00 PM

It's time to rifle through your closet and get out your green! March 17 and St. Patrick's Day looms once again, and this massive celebration of Irish-American culture in the U.S. is one of the most anticipated holidays of the year. That wasn't always the case, however. Here is what you need to know about the origins of this famed U.S. holiday, some of our most popular St. Patrick's Day celebrations, and how you can bring some authentic Irish fun into your gathering.

St. Patrick's Day History

Believe it or not, St. Patrick wasn't even Irish. He was a British nobleman kidnapped by Irish pirates just after 400 A.D. He spent 17 years as a slave and escaped Ireland but decided to return to the country as a missionary. It is widely believed that March 17 commemorates the date of his death.

Saint Patrick's Day has been an official Christian holiday since the 17th century, called "the Day of the Festival of Patrick." The day wasn't even marked as a public holiday in Ireland until 1904. Now, St. Patrick's Day has grown into a four-day festival in Dublin, much of which has been influenced by the way the Americans celebrate the holiday.




The Connection Between What You Eat and Your Heart Health

Feb 11, 2017 3:47:00 PM

Many of us fear being injured in a car accident or hearing a cancer diagnosis when the biggest danger is something else entirely. Heart disease, which includes stroke and other cardiovascular diseases, is the number one cause of death in the United States.life

Fortunately, some forms of heart disease can be delayed or even prevented with some simple dietary adjustments. Here is what you need to know about heart disease, how choosing a heart healthy diet can make a difference, and ways to ensure peace of mind for you and your loved ones.

Heart Disease and Risk Factors

Not only is heart disease the number one cause of death in the U.S., but it's also the leading global cause of death, taking more than 17.3 million lives each year. Cardiovascular disease includes various conditions that affect the function and structure of your heart such as coronary artery disease, heart attack, and vascular disease.




Life Insurance: Show Your Never-Ending Love

Feb 7, 2017 8:34:00 PM

What do life insurance and love have in common? The two are more related than you might think. Many consumers view life insurance as an optional financial tool that you add to your budget only if it fits. The reality is that a life insurance policy is an essential component of your family's financial plan, one that demonstrates your never-ending love.

Demonstrate Your Love With a Life Insurance Policy

When you love someone, you think kind thoughts about them but you also show that love through your actions. Whether it be helping with a chore, listening, or buying flowers on a special day, we do things both great and small to show we care.

This includes planning for the future and the well-being of our loved ones with a life insurance policy. Why else would you buy life insurance? A National Underwriter survey asked clients specifically why they were purchasing life insurance. Interestingly, the top five reasons can be attributed to love.




Life Insurance Exam? Here's What You Need to Know

Feb 4, 2017 10:34:00 PM

If you've made the wise choice to purchase a life insurance policy, you're doing the best possible thing to protect your family's financial future. Life insurance provides many benefits, among them a provision of financial resources for your dependents after you die.

When you purchase a life insurance policy, you want to make sure that you get the best value. The issuing company also wants to ensure that you're reasonably healthy and being truthful on your policy application. For both of these reasons, the policy issuer will ask that you undergo a life insurance exam before they issue your policy.




6 Budgeting Tips You Can Use Now

Jan 31, 2017 5:52:00 PM

Spending less than you make sounds like a simple financial goal, but it can be a challenge for many families. Achieving this goal can allow you to stay out of debt, invest for retirement, and save money for emergencies. In essence, this can be a ticket to financial freedom.

A recent Federal Reserve Board study found that nearly half of respondents wouldn't be able to cover a hypothetical $400 emergency without borrowing money. Some aren't able to meet this goal due to a lack of income, but in many cases, the problem is overspending. When overspending is an issue, some simple budgeting tools can help you see where your money comes from and where it's going.

Here are just six budgeting tips to move you closer towards the goal of financial freedom.




Preparation & Planning Can Make the Worst Situations More Bearable

Jan 28, 2017 5:36:00 PM

Most of us like a good surprise, like a fancy dinner or a nice anniversary gift. Unfortunately, not all of life's surprises are pleasant. It's the unexpected job losses, health scares, and even family deaths that send shock waves through our system, making us wonder what we did to deserve such punishment. Here are some tips to deal with tough situations, how the death of a loved one can impact your life, and the ways that an insurance policy can help.

Getting Through Tough Situations

Some unexpected situations are more serious than others. How we handle life and what it throws our way has more to do with personality than the problems themselves. An eight-decade study, called The Longevity Project, has found that the happiest and healthiest people have close relationships, are physically active, and help others. These are things that you can continue to do in the midst of difficult situations to help with stress and even grief.

Other ways to handle tough situations include finding acceptance of what has happened, looking for any life lessons involved, and trying to view the situation realistically instead of emotionally. This can be particularly difficult in the case of a death where there wasn't proper planning.