Whether you’re married, living together, engaged to be married, or just starting down the blissful path of romance, every couple in a serious relationship knows that personal finances are just another part of building a happy life together.

Once you’re in a committed relationship and you’re sharing rent, a mortgage or other monthly bills, you need to give some thought, along with the happy realities of love, to protecting yourselves from life’s possible disasters.

Read the full post on How much life insurance does a couple need?.

Most feel that they have a pre-destined checklist to complete before their “younger days” are over. I don’t have to divulge into details, but this list oftentimes this involves adventurous activities and slightly risky behavior that would otherwise be taboo in your adult life.

But here’s an item usually never inherently found on a youthful checklist; buying life insurance.

This is is one of the best things to “do while you’re young.” If you’re a young couple just starting out in life, you usually don’t want to spend a lot of time thinking about death and dying. (And that’s perfectly natural and healthy – spending too much time thinking about death can be a sign of depression.)

Read the full post on Get it while you’re young (life insurance that is).

Every New Year is a time for reflection and renewal. Each January 1st presents us with a clean slate and a chance to make changes in our lives. This is why people make New Year’s Resolutions – whether it’s to lose weight, exercise more, improve their diet, get a new job, or tackle some long-term challenge that they’ve been delaying for too long.

If you want to make some changes in your personal finances, perhaps it’s time to consider making some New Year’s resolutions for how you relate to money.

Here are a few ideas to help make 2012 a more prosperous year:

Read the full post on New Year’s Resolutions for your Personal Finances.

One of the most important health questions that people get asked when they apply for life insurance is, “Have you used a tobacco product in the last 12 months?” If you answer “Yes,” that means that in the eyes of your life insurance company, you qualify as a smoker, and that means that your life insurance company is going to expect you to pay a higher life insurance premium than you would have to pay if you were a non-smoker.

Read the full post on Want to find low-cost life insurance? Stop smoking..

Many people think you need to get a full physical exam as part of getting approved to buy life insurance. But the truth is, you don’t. Some life insurance products don’t require a physical, and for the ones that do require a medical check, we can take care of it much faster and easier than a full-fledged physical at your doctor’s office.

Read the full post on Do you need a physical to get life insurance?.

Buying life insurance is one of those rites of passage: deciding to buy life insurance is a sure sign that you are, in fact, a “grown-up” with grown-up responsibilities. Most people buy life insurance for the first time after having kids, and/or after getting married. Here are five life stages where you might consider buying life insurance – either for the first time, or as an addition to your existing coverage.

Read the full post on 5 times of life when you need to buy life insurance.

As you consider which life insurance option to purchase, you may ask yourself; what makes up the cost of the policy and the monthly premiums? Our Sales Operations Leader, Eric Mojica, can explain to you the basics.

TRANSCRIPT:

Eric Mojica: “All across the country, people are trying to secure life insurance for their loved ones. So what goes into the cost of a life insurance policy? Insurance is a way to protect yourself and your loved ones against the risk of uncertainty or lost. And your cost is based on how likely you’re going to suffer that loss or not. For example, if you’re shopping for auto insurance, you’ll pay more if you’ve had a lot of speedy tickets vs. if you’ve had a spotless driving record?

Read the full post on What Goes Into (the cost of) Life Insurance?.