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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.

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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.

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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.

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These Statistics Will Make You More Cautious

Nov 27, 2016 9:14:00 PM

While it's true that we are now living longer than at any time in history, the fact remains that we're not immortal. Of course, thinking about your eventual demise is never pleasant, but planning for it is probably the most responsible course. If you're one of those people who thinks that tragedy will never strike close to home, you're not alone.

Sometimes a subtle wake-up call laced with factual data can help move us in the right direction. Here are some startling statistics about accidents, injuries, and even fatal illnesses in the United States and some ways that you can protect your family's financial future.

Leading Causes of Death in the United States

Each year, more than 2.5 million people in the U.S. take their final breath. Of the top five leading causes of death, four are due to illness which may or may not appear unexpectedly. This is particularly the case with cancer, which claims more than half a million people each year. Other leading causes of death due to illness are heart disease, chronic lower respiratory diseases, and stroke. What many don't realize is how frequently unintentional injuries have fatal consequences.

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Death Phobia: Yes, It's Real

Nov 13, 2016 9:05:00 PM

There aren't many people who enjoy thinking about death in any form. If given a choice, many of us would rather mow the lawn or even undergo a root canal than sit down and make plans for the afterlife. For some, though, perpetual avoidance of discussing important issues like this can be costly, particularly for those who are left behind.

Is Death Phobia Really a Thing?

If you're truly afraid of dying, you're not alone. This is a real phobia with a name, Thanatophobia, the fear of dying, fear of being cremated or buried, and fear of the unknown. While not everyone may have a fear to the degree of this phobia, reluctance to think about or discuss death is still quite common.

Penn Mutual conducted a survey recently about leading topics for dinner table discussion. A majority of respondents were excited about discussing uses for lottery winnings or super powers, with last place subjects being about death and dying and life insurance. LIMRA's Insurance Barometer Study confirms this. They found that 30% of people avoid buying a life insurance policy because they don't like thinking about death.

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Term Life or Whole Life Insurance: Which Policy Type is Right for You?

Nov 3, 2016 7:22:00 PM

One of the common questions among those considering a life insurance purchase relates to the difference between term life insurance and whole life insurance. If you've decided to purchase a life insurance policy, bravo, as you are ahead of the curve. Statistics show that, while most Americans need life insurance for a variety of reasons, the rate of adequate life insurance ownership is actually at a 50-year low. Top reasons for not purchasing life insurance include a gross overestimation of its cost and a basic lack of understanding about life insurance policy products - including the difference between a term life policy and a whole life policy.

When you buy this important coverage you obviously want the best life insurance for your needs. So here is a comparison between term life and whole life, which are the two main categories of life insurance.

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Top 5 Safest Cities in America: Did Yours Make the List?

Oct 31, 2016 12:12:08 PM

We all have a certain affinity for the place we live. Whether you've been born and raised in a particular city, or have just relocated recently, we form attachments to people, businesses, and even landmarks. Yet, most acknowledge that they want to feel safe in their own home, and some cities rank higher in this respect than others. Have you heard of the recent clown sighting craze that's sweeping the nation? While many are mere hoaxes, a few incidents have turned tragic. These sorts of events are making more and more people think about safety.

Several different companies calculate these "safest cities" lists each year and, interestingly, all arrive at different results due to varying methodologies. If you're interested in smaller towns, you might want to take a look at some of the lists by SafeWise.

This particular list, developed by Smart Asset, is of larger cities (the country's top 200) and considers such things as violent crime rate, vehicle mortality rates, drug poisoning deaths, air quality, excessive drinking, and even commuter rates. Here are the five safest cities in America. Hopefully, yours made the list.
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Do Married Women Really Need Life Insurance?

Oct 25, 2016 9:13:00 PM

There is a common misconception among married couples that the female half of the equation doesn't need a life insurance policy. Considering their significant contribution to the financial stability of the home and family, nothing could be further from the truth. Whether or not they are working outside the home, are a stay-at-home parent, or are nearing retirement age, there is a strong argument for purchasing protection and peace of mind with a life insurance policy.

Two-Incomes or Stay-at-Home Mom According to recent figures from the Department of Labor, 57 percent of women in the U.S. participate in the labor force. Also, 70 percent of women with minor children are working outside the home. Yet, these contributions to the family welfare aren't being adequately insured against a tragic loss. The Insurance Information Institute reports that 43 percent of adult women have no life insurance at all and those that do are carrying 31 percent less coverage than their male counterparts. If your family loses that income, it's important that there be a source of financial security in place.
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