Category Archives: Insurance

The Complete Guide to Final Expense Insurance

Actually, Final Expense Insurance is not a type of insurance product but a “purpose” for life insurance. What we mean by this is that when you buy final expense insurance, your policy is unlikely to have the term “Final Expense  Life Insurance” anywhere on the contract.

You see, insurance is a method of mitigating financial risks in your everyday life and the type of insurance used is always going to be some form of the following

Although you can purchase a final expense policy using Term Life Insurance, in the majority of cases, Whole Life insurance will always be the type of policy used for Final Expense Insurance. The primary reason for using whole life is that the policy can last a lifetime while term insurance usually provides temporary coverage.

term insurance

Also, when you buy final expense insurance on a whole life policy, you will get the same guarantees and benefits of a traditional whole life insurance policy. These guarantees are important in order for your policy to provide lifetime coverage and build cash value.

 This is what makes Whole Life Insurance the better policy for final expense insurance:  


The policy will last a lifetime as long as the premiums are paid. Your insurance company cannot cancel your policy for any reason other than non-payment of premium.

Your periodic premium (usually monthly) will never go up, even if you become terminally ill and have to live in a nursing home or hospice facility.

Your whole life insurance policy can potentially build cash value over time and you will have access to that money through policy loans or withdrawals. Your cash value can be used for any reason you choose.  It’s your money.


What is Final Expense Insurance?


Final Expense Insurance is a whole life insurance policy that is designed to pay for your final expenses when you die. Unless these expenses are taken care of with other life insurance or money from your estate, these costs are typically passed on to surviving loved ones.

Certainly, the last things you want to leave when you pass away are the costs of a funeral and other services to your grieving family members, when you can easily pre-fund all of these expenses by purchasing affordable final expense insurance.

For most seniors, the most significant final expenses that must be dealt with when they die are their funeral and burial service. Even if the policyholder prefers to be cremated, there are still significant expenses if you choose to have a memorial service along with the cremation.


How much will a Funeral and Burial Cost?


Although funeral costs vary depending on the type of funeral and the state you live in, we can estimate very closely what you should expect to insure for. When we determine the average cost of a funeral and burial it makes sense to go to the source, The National Funeral Directors Association. Here is what they reported for 2018:


National Median Cost of an Adult Funeral with Viewing and Burial 2017


It’s important that we remind you that this chart is for the national median cost (average) of a funeral and burial. Funerals can become significantly more expensive when you start adding the bells and whistles that most funeral directors will always bring up. You can, however, pay much less than what’s listed here if you shop a funeral in advance, shop the casket, and get your church to offer their facilities.


What if I decide to be Cremated?

final expense life insurance


Cremation is certainly an alternative that can reduce the cost of a traditional funeral, but even cremation can be expensive when you add a memorial service or decide to bury the ashes.


National Median Cost of an Adult Funeral with Viewing and Cremation 2017



Will I have to Qualify for Final Expense Insurance?


It depends. If you are looking for the lowest rate for a traditional final expense policy that offers a level death benefit and first-day coverage, you won’t have to have a medical exam but you will have to answer a lot of questions about your health on the application.

Most companies will offer coverage even when you have some health issues but there are some questions that are considered “knockout” questions and if you answer yes you will likely be declined.

The health questions that will likely lead to a decline if you answer “Yes” are:

Chest pains (Angina) in the last 12 months

Currently in the hospital, a nursing home, or hospice care or facility

Tested positive for HIV or AIDS

Currently on Dialysis

Diagnosed with any kind of Terminal Illness

Stroke in the last 12 months (excluding mini-stroke)

Alzheimer’s or dementia

Currently under treatment for Cancer

Wheelchair-bound as a result of a chronic illness

Had or on a waiting list for organ transplant (corneal excluded)


Other Underwriting Information the Company Reviews

pay attention


Even though final expense insurers do not order medical exams or blood and urine tests, they can still find some medical information about you in other places besides the insurance application.  Some of the sources are:


Medical Information Bureau (MIB) – The Medical Information Bureau is an organization owned by the member insurance companies that compile data about your health. The bulk of the information that is compiled is the information you supply on your insurance application. This is not a mammoth database that has every person’s medical history, it is a repository for insurance companies to verify the information you’ve already supplied elsewhere and you give the company permission to view this data when you sign your life insurance application.


RX Check – There are several companies that store information on all the prescription drugs you take and the information comes from pharmacies across America. While this data doesn’t include why you were prescribed a medication, the insurance underwriters can surmise why you may be taking it.


If Your Application is Declined

Denied life insurance for felons


As we mentioned earlier, there is an alternative insurance product that is available that does not take your health into consideration when they underwrite your insurance policy. These policies have become very popular with the senior crowd who are dealing with multiple health issues that prevent them from getting approval for traditional final expense insurance.

  1. Graded Benefit Insurance Plan

A graded benefit plan typically contains a two or three-year waiting period before the insurance company will pay the full death benefit if a policyholder dies because of natural causes.

Typically, these policies will pay a percentage of the full death benefit if you die of natural causes in the first year of about 25 to 40% of the death benefit. If you die because of natural causes during the second year of the waiting period, the company will then pay about 70 to 80% of the death benefit. Then, starting in year three, the company would pay the full death benefit.

It’s important to note that most insurers will pay the full death benefit from the first day if the death is the result of an accident.


  1. Guaranteed Issue Plan

The Guaranteed Issue final expense plan is similar to the graded benefit plan accept for how the death benefit is paid out. Typically, if a policyholder dies within the two or three year waiting period from natural causes, the insurer would pay your beneficiary 110% of the premiums you’ve paid to the company.

For example, let’s imagine that you have a Guaranteed Issue final expense policy with a $15,000 death benefit and you’re paying $80 per month. If you were to die 18 months after your policy was issued, your beneficiary would receive $1,584 ($80 x 18 plus 10%) instead of the full death benefit of $15,000.

Once your waiting period is exhausted, your beneficiary would receive the full death benefit no matter the cause of your death. Also, death resulting from an accident would not be subject to the waiting period. In other words, the full death benefit begins from the first day of coverage for accidental death.


How Much are the Rates for a Level Benefit Policy?


Like any other type of life insurance, the insurance rates are based on your age and your health. If you were to apply for and be approved for a $20,000 Final Expense plan, here’s what you can expect to pay:


Mutual of Omaha Final Expense Insurance Rates


As you will notice, the life insurance rates for men are more than the rates for women. This is because women typically live longer than men and therefore the insurance company will have a long period to collect premiums. Please note that these rates are for non-smokers, smoker rates are significantly higher.


What if I’m Declined and have to Purchase Guaranteed Issue Final Expense Insurance



As we mentioned earlier, a guaranteed issue policy does not take your health history into consideration when the policy is underwritten. There are a few knockout questions on the application but most applicants are able to get the coverage they need.

Here are the actual rates for a $20,000 Guaranteed Issue Final Expense Policy:


AIG Final Expense Insurance rates


As you will plainly see, the rates for Guaranteed Issue Final Expense Insurance are much higher than the rates for Level Benefit Final Expense Insurance. This is because the insurer is accepting an unknown health risk.


Where can I find the Lowest Rates?


It’s important that you shop your final expense insurance with an independent broker who represents the top-rated carriers that offer Level Benefit Final Expense insurance and Guaranteed Issue Final Expense Insurance.

This means you should stay away from buying directly through a company or doing business with a “captured agent” who only represents one company.

When you use an independent broker like, you have the ability to shop your policy with all the top rated carriers and get advice from an insurance professional who is experienced and reputable.  At, we will shop your application with all our carriers and then deliver the best solution that will meet your needs and your budget.


Article source:

Life Insurance Health Classification and your Health

How can you improve your life insurance health classification?  If you have been following this blog, you have probably noticed that not all of our posts are about the subject of life insurance. We have recently included posts related to improving one’s health and lifestyles (that’s why we changed the name to Insure Your Life). I must admit that we have both selfish and unselfish motives for including these categories.

Falling into both the unselfish and selfish categories, we (the employees of, befitting of the Southern California stereotype, are truly interested in anything having to do with health, exercise and nutrition. We actually like these subjects and enjoy reading and writing about them. We also like sharing (and admittedly, sometimes preaching) this information with health-minded people, as well as those who know they need to make some changes in their live.

As life insurance brokers, we speak to a lot of folks on a daily basis. As would be expected when dealing with a large cross-section of the population, we run into people that fit into every imaginable health profile, from the super-healthy to those who have been far less fortunate in regard to their health. As life insurance rates are a reflection of one’s health, less-than-perfect health usually means a lower life insurance health classification, resulting in higher premiums. If any of our articles inspires you to improve your health and, in so doing, lowers rates for life insurance policy, the results are compounded, which we enjoy too (both unselfishly and selfishly if it helped to make a sale).

Note:  As of  7/7/2018, we have incorporated content from some of our health-related posts into this one article so you don’t have to search the website to find them (Medical Disclaimer: This Content is not intended to be a substitute for professional medical or health advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding any medical or health-related condition).

Heart Health

Heart Health for Life Insurance

Half of people with high blood pressure don’t know it

Do you have high blood pressure? According to a new study, the answer may be yes, and you may not even be aware of it. In a study involving over 140,000 adults from 17 different countries, an international team of researchers found that more than one-half of those with hypertension were unaware they had the disease. The findings, which were published in Journal of the American Medical Association, were similar for people from both richer and poorer countries.

The research team, led by Dr. Salim Yusuf of McMaster University’s Michael G. DeGroote School of Medicine in Hamilton, Ontario, analyzed the data of participants in a long-running health study of urban and rural settings. Each individual had their blood pressure measured and medication use recorded and were asked whether they knew if they had hypertension. The study found that fewer than half of those with high blood pressure were aware of the diagnosis.

In a press release, Yusuf referred to his team’s findings as “disturbing” and called for better screening measures for high blood pressure.

“The widespread lack of hypertension awareness and poor control in all countries studied, despite the identification and control of blood pressure being prioritized by many national and global organizations and despite the availability of inexpensive and effective medications, is concerning,” he said.

The American Heart Association recommends that those at risk for high blood pressure consider lifestyle changes like engaging in regular exercise and reducing sodium intake.

Having a healthy lifestyle may not only reduce your risk for high blood pressure, it might also qualify you for lower life insurance rates. Get a term life insurance quote, using the quote request to the right of this article.

Avoiding Death from Heart Attack and Stroke

Cardiovascular disease is the leading cause of death in the United States (approximately 800,000 a year) and many of them are avoidable.

According to the Centers for Disease Control and Prevention (CDC), over 200,000 avoidable deaths from heart disease, stroke and hypertensive disease occurred in the United States in 2010.   Avoidable deaths are defined as those deaths that were either preventable by addressing risk factors or; treatable, as in treating conditions once they occurred.

Unhealthy lifestyle behaviors (e.g., tobacco use, , excess weight, poor diet, inactivity and excessive alcohol use), coupled with uncontrolled hypertension, elevated cholesterol and obesity account for 80 percent of deaths due to heart disease and approximately 50 percent of deaths due to stroke in the united States.

Immediate care at the onset of a heart attack or stroke would help to avoid even more deaths.  In these situations, it’s always recommended that those present with the afflicted person call 911 immediately so life-saving treatment can begin immediately.  Emergency medical services (EMS) staff can begin treatment as soon as they arrive – they might need to revive someone whose heart had stopped.  If treatment weren’t to begin until the patient arrived at a hospital, treatment might not happen for an hour.   Eliminating that extra hour can literally save the person’s life.

Heart Attack Warning Signs

In order to get early treatment for a heart attack, it’s important to know the signs.  These come from the American Heart Association website:

  • Chest Discomfort – Most heart attacks involve discomfort in the center of the chest, lasting more than a few minutes, or that goes away and then comes back.
  • Discomfort in Other Areas of the Upper Body – Symptoms can include pain or discomfort in one or both arms, the back, neck, jaw or stomach.
  • Shortness of Breath – with or without chest discomfort.
  • Other Signs  – may include breaking out in a cold sweat, nausea or light-headedness.

Cardiac Arrest Warning Signs

  • Sudden Loss of Responsiveness – No response to tapping on shoulders.
  • No Normal Breathing – The person does not take a normal breath when you tilt the head up and check for at least five seconds.

Stroke Warning Signs (Spot a Stroke F.A.S.T.)

  • Face Drooping – Does one side of the face droop or is it numb?  Ask the person to smile.
  • Arm Weakness – Is one  arm weak or numb?  Ask the person to raise both arms.  Does one drift downward?
  • Speech Difficulty – Is the speech slurred, are they unable to speak, or are they hard to understand?  Ask the person to repeat a simple sentence, like “the sky is blue.”  Is the sentence repeated correctly?
  • Time to Call 911 – If the person shows any of these symptoms, even if the symptoms go away, call 911 immediately and get the person to the hospital immediately.

Improving your lifestyle can reduce the risk of heart attack or stroke, but if it should happen to you, it would certainly be helpful if those around you had this information.  The American Heart Association website also has some valuable information on preventing heart disease and stroke by improving your heart health with better nutrition, physical activity and weight management.  If you follow their guidelines, it would also go a long way toward getting a better life insurance health classification and lower life insurance rates.

Yet another study connects fish oil with heart health

Often associated with the long-term betterment of personal health, fish oil – which contains high levels of omega-3 fatty acids – appears to have been justified even further by a new study conducted by the Harvard School of Public Health.

The Endocrine Society, a U.S.-based organization that funds medical research, reported in a press release that investigators at Harvard pored over data from a number of clinical trials that focused on the effects of fish oil. Hundreds of participants consumed fish oil tablets on a daily basis, and the researchers found evidence that those who did exhibited fewer signs of diabetes and heart disease.

The key behind the benefit appears to be a hormone known as adiponectin. This compound helps to boost the metabolism in the body while also reducing inflammation levels, the latter of which is a risk factor for conditions such as cancer. The team noted higher amounts of the hormone in participants who were regularly taking the fish oil supplements.

“While prior animal studies found fish oil increased circulating adiponectin, whether similar effects apply in humans is not established,” Jason Wu, the lead author of the study, said in a statement. “By reviewing evidence from existing randomized clinical trials, we found that fish oil supplementation caused modest increases in adiponectin in the blood of humans.”

These developments are a sign that a holistic approach to wellness can be largely beneficial to older individuals. However, while pursuing a healthier lifestyle, it’s important to plan for unexpected events in the future. Part of this process involves buying a life insurance policy, which provides financial assistance to your loved ones when they need it most.

Could abnormal sound levels impair heart health?

Medical research, in recent years, has established a relationship between excessive noise levels and a gradual impairment of hearing. Other studies have shown that even moderately loud sounds can have a degrading impact on this sense. However, a new study has shown that even the slightest noises – a car horn or a jack hammer at a construction site – can create temporary but potentially harmful fluctuations in a person’s heartbeat.

According to a report published in Environmental Health Perspectives, a scientific research journal, an investigation involving 110 people fitted with heart rate monitors showed that changes in a person’s anticipated sound level, or the level of noise they are accustomed to, can briefly increase a person’s pulse.

Additionally, researchers noted that participants’ so-called “heart variability” – which relates to beat changes during inhalation and exhalation – may be negatively impacted. Medical experts have suggested that a lower variability can raise an individual’s risk of suffering from a cardiovascular event like a heart attack.

The findings suggest that folks who have a higher chance of developing heart disease may want to show caution around sources of loud noises.

“Our main focus was to find a possible mechanism that could be responsible for the observed health effects in other studies,” Alexandra Schneider, a researcher who was involved with the project, told HealthDay, an online healthcare publication.

The developments could point to a correlation between heart attack risk and sound-induced stress, which may increase over time. As such, folks with medical histories that point to cardiovascular illness should consider ways to protect themselves from excess sound levels.

Your Diet

Life Insurance and Healthy Foods

Why calcium and protein are vital to your health

Our bodies thrive and develop from the foods we eat. If a person eats fast food and other types of junk on a regular basis, they will most likely feel terrible a lot of the time. On the other hand, if they choose wisely and eat healthy foods like fresh fruits and vegetables, they will notice a substantial difference in their energy levels and overall demeanor.

Today, we’ll discuss the importance of calcium and protein-rich foods and how they can make you healthy.

Medical experts largely agree that the human body needs:

Calcium – You remember the food pyramid from high school health class, right? If you look for the modern update, you’ll notice it more closely resembles a dinner plate now. Yet beside it, in the shape of a drinking glass, is the reminder that you need plenty of dairy during the day in order to get an adequate helping of calcium. Calcium is important for maintaining bone and tooth integrity. However, don’t think that ice cream will do the trick. Doctors recommend that adults try to avoid “fatty dairy” products as they can significantly contribute to weight gain.

Protein – Adult men and women require between five and seven ounces of protein-rich food every day in order to maintain muscle strength and overall fitness levels. However, there are some caveats to keep in mind. When preparing meat, you should eschew a lot of breading or oils because this can negate the health benefits of the meat. Additionally, some protein-based foods have preservatives or other additives that could lead to long-term health problems. You should read packaging labels carefully before you purchase any kind of food to make sure those choices will help.

Summertime snack ideas

Summer brings many changes to people’s lives, whether it relates to their work schedules, travel opportunities and everything in between. As such, you might find yourself looking for ways to prepare food that is both easy to make and better for your health than what you can pick up at the store.

There are a wide variety of recipes to choose from, and in today’s article, we’ll look at a few snacking suggestions made by wellness experts:

Cheese and crackers – Organic cheeses are a good source of proteins and calcium, and make a great snack if you’re looking for something easy to put together. Paired with unsalted crackers, you’ll be full enough until your next meal without packing on too many calories.

Fruit salad – This perennial party favorite is a great opportunity to put together your favorite fruits. It makes an ideal snack for mid-day, as it can give you a natural – and delicious – energy boost. We recommend choosing oranges, apples, grapes and pineapple, which are chock-full of antioxidants and unprocessed sugars.

Trail mix – A grab-bag of tasty items is the perfect selection for an on-the-go snack. The ideal combination may include different types of nuts, berries and dried fruits. Adding a small amount of chocolate can help tie these flavors together in a healthy and practical way.

Maintaining a balanced diet with smart choices is essential to staying healthy and strong. Not only will you feel better and have more energy, but you’ll also be able to benefit from other advantages like improving your life insurance health classification, with will lower rates on a life insurance policy, which is a helpful form of financial protection for your loved ones.


Running can improve your life insurance health classification

Tips for exercising in the office

Those who spend long hours working at a desk know all too well the effect this lifestyle can have on the body. In order to combat the problems associated with a sedentary job, you need to make sure that you are exercising accordingly. For those who don’t have time to get to the gym before or after their day job, there is another solution available: working out at your desk.

Today, we’ll look at methods you can use to keep active even if you are sitting for extended periods of time.

To maintain your fitness at the office, you can:

Go for a walk every hour – The simplest way of staying active is to get up on a consistent basis. When you sit for a long period of time, blood flow can be restricted to your lower extremities, causing soreness and tiredness in some cases. Medical experts suggest getting up for a five to 10 minute walk every hour to help promote better circulation.

Stretch, stretch, stretch – On a day when you have to write five reports and put together a presentation, you hardly have enough time for lunch, let alone exercise. During these instances, simply stretching in your seat – or standing, if you can – is a productive way to get your muscles moving without losing too much time. Neck, back and arm stretches are perfect if you have to spend most of your day typing.

Use weights under your desk – If you can do it stealthily, this is a great way to keep your hands and arms in good shape when you’re stuck in the office all day. While you might need to adjust your seat a bit, you can do some light weight exercises at your desk. In the event that you go out for a lunch break, bring them with you for a bit of power walking as well.

Walking: How a few steps can bring big health payoffs

It’s one of the easiest ways to exercise, it has plenty of rewarding qualities and it’s absolutely free. It’s not a special one-time gym offer that brings you these benefits, but rather, it’s something you can do with your own two feet: walking.

Today, we’ll discuss the ways in which a few loops around your neighborhood per week can boost your overall health and fitness levels.

Every time you go for a walk, you are:

Decreasing your chances of getting diabetes early – As you may know, a person stricken with diabetes does not produce enough insulin for their bodies to operate normally. However, recent medical research has linked fast-paced walking with an increase in the level of insulin resistance in the body. This makes you more sensitive to the onset of the disorder and helps doctors identify it faster.

Lowering the bad cholesterol, boosting the good – Doctors regularly recommend walking to older patients as a way to decrease low-density lipoprotein (LDL) levels, also known as “bad” cholesterol. On the same hand, this heightened activity can improve high-density lipoproteins (HDL), which are important for maintaining good circulation.

Saving money – While there’s no doubting that a gym membership can help you improve your fitness, walking is a free activity and can be done at different levels of intensity. According to some exercise experts, a quick pace – approximately 6,000 steps per hour – can award the same level of heart and muscle-building benefits of 30 minutes of weight training.

This quick and easy method for exercising is a must for anyone trying to stay healthy. However, it always helps to be ready in case something goes wrong. Obtaining a low-cost life insurance policy  helps to ensure that the financial stability of your family remains strong when they need it most.

Save as you get in shape: Cheap ways to exercise

Exercising, in some cases, can be a rather expensive affair. The average basic cost of a gym membership in 2018 is between $40 and $50 per month, though that price can rise if you include other expenses. These occasionally-prohibitive costs may keep some people from pursuing their obvious benefits. Thankfully, there are ways to achieve the same level of fitness without emptying your wallet at the gym’s front desk.

Today, we’ll look at methods for exercising on the cheap that will leave you just as worked-out as if you were shelling out $200 for that cross-fit course your friend told you about.

To get in shape while saving cash, you should:

Jog every morning – Medical experts say that running a few laps each day is one of the easiest ways to trim the waistline without spending too much money. Sure, you might need to pick up a new pair of running shoes every six to nine months – depending on how quickly they wear out – but this is much better than shelling out hundreds of dollars for a new treadmill.

Make time at home to work out – Instead of going to a gym several days a week, you can turn your home office or living room into a full-on exercise space. You can pick up a few weights at your nearby sporting goods store and install a pull-up bar in one of your doorways.

Walk instead of driving or taking the bus – This is especially helpful if you live in or near a town that you frequent often. While it may add some time to your travel routine, depending on the area, this might not be as much of an inconvenience as you would think.

There’s nothing better than the double advantage of saving money while also getting in shape. It also helps, however, to buy a life insurance policy to protect you and your loved ones from potentially huge costs in the future if something bad unexpectedly occurs. Exercising and maintaining a healthy weight might also help you get approved for a better life insurance health classification, saving money on your life insurance policy.

Moderate exercise may encourage a healthier lifestyle

In the quest to slim down, some folks do too much too quickly. Trying to train for a marathon when you can barely run a mile, or spending hours in the gym with no visible results can leave you sad, unmotivated and may drive you back into old, bad habits.

A new study suggests that hard exercise may not be the right way to approach weight loss, especially for people who are severely overweight or obese. Researchers from the University of Copenhagen in Denmark have found that overweight people who exercise for short periods of time feel happier and more motivated to continue their work than those who exercise for an hour or more.

“The subjects in the test group that exercised the least talk about increased energy levels and a higher motivation for exercising and pursuing a healthy everyday life,” said Astrid Jepersen, one of the study’s authors, in a press release. “They take the stairs, take the dog for an extra walk or cycle to work. In contrast, the men who exercised for one hour a day, after training, felt exhausted, unmotivated and less open to making a healthy change.”

Jepersen added that public health officials should take a more holistic rather than a one-size-fits-all approach to combating obesity. Psychology, culture and social structures should all play an important role in determining how a person can develop and maintain a healthy lifestyle, she said.

Maintaining a healthy weight may reduce your risk for heart disease, stroke and diabetes. In addition, staying fit may qualify you for lower life insurance rates. For convenient life insurance quotes, use our online quote generator to find out which policies fit your needs.

A few laps for a longer life: How jogging makes you healthier

Getting in shape doesn’t necessarily mean going to the gym several times a week and exhausting yourself by doing squats or lifting weights. Good exercise comes from a consistent, semi-strenuous activity that is performed throughout the week. Doctors and fitness experts agree that you should diversify the methods of staying healthy, and almost always settle on one reliable choice: a daily jog.

The health benefits of going for a moderately paced run around the neighborhood include:

Better circulation – As we age, our bodies naturally atrophy over time. One of the most common effects of this process is the slow wearing-down of veins and arteries, which can lead to higher blood pressure. When you run, your breathing and heart rate patterns change and, over time, the muscles in your body become stronger.

Lower weight – The simplest benefit is that, as you work out, you will lose weight. Not only will this improve your sense of personal well-being, but you will naturally feel better and more energetic.

Mental health stability – While jogging, you’ll most likely be taking deeper breaths in order to stay at a certain pace. When you do this, your blood vessels deliver this fresh oxygen throughout your brain. You may not realize it at first, but this alteration in your breathing pattern will actually help calm you down. By reducing stress, you take the pressure off your mind and are able to think more clearly.

After a few weeks of daily jogging – and getting over the sore muscles – you will notice a substantial change in how you feel. Regardless of health and fitness levels, however, it’s important to always be prepared for the unexpected. If you purchase a life insurance policy from, your financial future will be secure. And remember, the healthier you are, the better your life insurance health classification and the lower your premiums.

Fitness Gadgets That Can Keep You Healthy, and Save You Money

We’re living in a culture that runs on constant information. All aspects of our lives are becoming automated, but we’re especially seeing great strides in technology meant to keep us healthy. Every day, it seems like there’s a new gadget that enables us to keep a close eye on our well-being or makes exercise more enjoyable. Here’s a list of top gadgets that can keep you healthy.

FitBit: For the past few years, Fitbit has earned its place among health junkies as the go-to device to monitor movement. By tracking steps, wearers have a better mindset to achieve 10,000 steps-a-day—the doctor-recommended amount for healthy living. With one of the Fitbit fitness-trackers, users can track their exercise and sleep patterns The data is then sent to your computer, which can be shared with friends to promote healthy competition.

Apple Watch:  A major feature of the Apple Watch is its health and fitness tracking capability.  The watch monitors your movement throughout the day, including workouts, and even reminds you to get moving.  Plus, you can use the watch to track your heart rate and view your workout stats, all from your wrist.

Samsung Watch:  With a Samsung Gear Watch  you can record and track your daily activities and life as you get closer to your health goal.  You can enjoy Samsung Health to the fullest and make it more useful with a variety of apps and partner accessories. 

PUSH Fitness Tracker: The PUSH is kind of like a mini personal strength trainer that straps to your arm. Instead of a coach monitoring you, this device gives you feedback on how many reps you’ve done, how quickly, and how powerfully you’ve completed each set. It can also provide you with information to you know when to call it a day, thereby avoiding injury. For the bodybuilding gym rats who may need a little direction, the PUSH is a very useful gadget.

Sensora Smart Clothing: Sports scientists are always trying to discover ways in which they can improve athletic wear by making lighter, more breathable and more water resistant. But Sensora’s shirt and sports bra actually have sensors in the material that transmit information to a small heart rate monitor attached to the front. Additionally, the Sensora Anklet tracks steps and distance, as well as monitors the landing technique of your foot. This data is useful in preventing common running injuries.

With all these gadgets that help us monitor our health and make exercise more enjoyable, staying active has never been easier or as quantifiable as it is right now. And an active lifestyle is invaluable to preventing conditions that may lower your life insurance health classification and raise your premiums. Obesity, high blood pressure, cholesterol, and weight—all of which can be prevented by an active lifestyle—are factors that will negatively affect your rates when applying for life insurance coverage. The simple fact is that healthier people pay lower insurance rates—so any money spent on fitness apps may be saving you money in the long run.

Want to see how your current health affects your life insurance rates? Click here to start your life insurance quote today.

Article source:

Real-Life Impact of Life Insurance

Life insurance agents typically share hypothetical stories about how life insurance can save families from financial ruin following the death of a loved one.  Fortunately, many families have felt the real-life impact of life insurance after the death of a spouse, parent or other family member.  The real-life stories below come by way of LIFE (the Life and Health Insurance Foundation for Education , a nonprofit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products, including disability and long-term care insurance):

Jim Clara Bix

Jim Bix was a young, recently married electronics technician when the unthinkable happened: He was diagnosed with incurable lung disease. As his health began to deteriorate from the illness, Jim needed to turn to disability insurance to pay for the daily living expenses of his wife Clara and two daughters.

Clara recounted this struggle in a feature story for the Life and Health Insurance Foundation for Education (LIFE), a nonprofit that aims to help consumers make smart insurance decisions.

But, while she says the initial news was bad, Jim’s health stabilized over the next 20 years. During this time, Clara says Jim kept his family in their home and his daughters enrolled in a great private school.

Jim’s good fortune, however, wasn’t destined to last. Just when his health took a turn for the worse, the family received more bad news. Clara would need surgery to remove a cancerous kidney tumor.

After her successful operation and a brief spell of happiness for the family, Jim succumbed to his illness. But, while the family may have fallen on hard times, smart decisions made by Jim helped keep the family afloat through these difficult circumstances. Jim had paid extra to double his coverage amount, and as a result, despite his untimely demise, the Bixes were able to enjoy the same lifestyle they had before his passing.

“Life insurance was the greatest gift my dad could give us,” says Brittany. “It has allowed us to live life the same way as when he was here with us.”

According to the source, Brittany was so thankful for what insurance was able to provide for her family that she is now planning to pursue a career as a licensed insurance agent, hoping to pass on the gift of financial security to more families dealing with difficult situations like those her family faced.

Bill Connie Hobson

The Life and Health Insurance Foundation for Education’s (LIFE) series of personal life insurance videos are clear and positive reminders of the importance of these policies. Families shattered by the death of a loved one need all the support they can get, and a life insurance policy is an ideal method of ensuring economic safety.

One of the stories by LIFE focused on Bill and Connie Hobson, who were your average American couple. Bill had a job at ATT as a product specialist that paid well, but complications began to occur when he noticed the strength in his hand had begun to weaken. Eventually, he was diagnosed with Lou Gehrig’s disease.

This degenerative neurological disorder can take years to develop, and over time Bill became less and less able to work. Yet it was before and during this time that Bill began putting his affairs in order, which included purchasing a term life insurance policy to supplement other policies he had obtained from ATT. When Bill passed away in 2009, the Hobsons were devastated but able to recover financially thanks to his forward planning.

Combined, Bill’s death benefits enabled Connie and the couple’s daughters to set enough money aside to both prepare for the future and settle some of their existing debt. Connie’s financial planner set up a retirement account while utilizing Bill’s 401(k) and pension payouts to ensure economic stability while her kids were still in school.

If you would like to learn more about the advantages of life insurance policies and how they can change your life, contact us today.

David Sarah Lewis

The Life and Health Insurance Foundation for Education (LIFE) has long supported the idea of educating everyday folks about the benefits of a life insurance policy. In one of their “Real LIFE Stories” segments, the organization told the story of Sarah Lewis, who was faced with an uncertain financial future following the death of her husband.

David Lewis was a pediatric cardiologist who spent a considerable amount of time working overseas, especially in Latin America. Despite the long-distance trips, he made a commitment to protect his family , and working with a life insurance specialist, David purchased a life insurance policy. He even reviewed it with a professional twice a year to make sure that he and his loved ones were safeguarded in case anything should happen to him. His efforts put in place a level of financial protection for his wife and their three children.

Tragedy struck in 2001, when David suffered a heart attack and died in Ecuador. When he passed away, Sarah was able to access these funds to settle a number of financial liabilities that the family was facing. Not only did she pay off her mortgage and credit card debt, she also put money away for her children’s college educations. The remainder of the benefits were used to help maintain the Lewis family’s quality of life as they adjusted to a future without David.

“The greatest gift you can give your family is to think ahead and be prepared,” Sarah said in the LIFE interview.

If you’re unsure about which benefits that a life insurance policy can offer, visit today. We offer online life insurance quotes as well as general information regarding the purchase and use of a life insurance policy. Call us today at 866-691-0100 to learn more about this useful form of financial protection.

Boomer Esiason

In an earlier post, we mentioned that former NFL player and current sports commentator Boomer Esiason served as the spokesperson for Life Insurance Awareness Month (2013), which annually runs through September. Today, we’ll explain the reasons why the former MVP and Pro Bowler chose to include life insurance in his financial planning process.

In an interview with the Life and Health Insurance Foundation for Education (LIFE), Esiason said that he learned the importance of life insurance at an early age. His mother died of cancer when he was seven, leaving his father to raise three children alone. Although she was not the breadwinner in the home, his mother’s absence made life difficult for the family. Esiason told the foundation that if his mother had purchased a life insurance policy, his father could have used the money to hire someone to keep the household running.

Because of his experience as a child, Esiason didn’t think twice about purchasing a life insurance policy for himself.

“When I became an NFL football player and decided to have kids in the early 90s, I recognized that I didn’t want to have happen to my kids what happened to us, as [we were] struggling when I grew up,” Esiason told Forbes.

The importance of life insurance is further compounded by the fact that Esiason’s son, Gunnar, has cystic fibrosis.

“If I don’t protect [Gunnar’s] future […] then if we ever found ourselves in the situation that I found myself in when I was seven, it would be an unmitigated disaster,” Esiason told the Forbes.

As this story illustrates, losing a loved one is always difficult, but it can be easier financially if you take the right steps for your family. For online life insurance quotes that can help you begin planning for the future, use the quote box on the right.

Article source:

Bunk Beds