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The Risks of Not Having Enough Life Insurance

With all of life’s everyday expenses, it can be easy to let life insurance slip to the back burner. And it’s safe to say that most of the time, we’re focused on our day-to-day crises—which makes us less prepared for when something unexpected happens. Life insurance is a powerful and cost-effective means to protect you and your family’s future financial health, but many Americans will admit that they’re either underinsured or have no life insurance plan at all. According to a 2018 study, almost 40 percent of Americans claimed they don’t have any form of life insurance. Of those with no plan, nearly 64 percent cite finances as the reason they’re not life-insured. While it may seem like you’re saving money in the moment, it can cost you much more in the long run if you avoid paying for life insurance. It’s actually far less pricey than most people think.…

5 Free Financial Apps You Can’t Live Without

When it comes to managing our finances, the struggle is real. According to a 2015 report from the Pew Research Center, 56 percent of Americans are worried about their financial situation. While staying on top of budgets, investment portfolios and expense reports can be an uphill battle, smartphone technology is making tasks like these a lot easier. These five free financial apps will help you manage everything from your budgets to your investments – for free!  Mint One of the most popular personal finance apps available, Mint gives you a real-time, 360-degree view of everything from your bank accounts and credit cards to your 401(k) plan – complete with infographics! After helping you set a savings target and budget amount based on your income, Mint automatically tracks your spending, categorizes it, and alerts you if you’re about to blow your budget. And if you need to cut your spending, the…

What You Need to Know About Underwriting Class

The cost of your life insurance policy – also known as your life insurance premium – is influenced by a number of different factors, but none more so than your underwriting class. Also referred to as health class, underwriting class is the category that the insurance company assigns to you based on your health and level of risk – i.e., how likely you are to die during the life of the policy. Before assigning an underwriting class to you, the life insurance company reviews medical as well as non-medical information from your application, mini-medical exam, and lab results. The medical information they take into consideration includes your height and weight, cholesterol and blood pressure levels, and family health history. The non-medical information includes your occupation, driving record, and recreational activities (such as flying a small aircraft or scuba diving). While the names of specific underwriting classes may differ from company to…

Did You Know?

Did You Know? It’s not by chance that most of the world drives on the right side of the road. You can thank one of history’s most famous military conquerors for right-hand drive. Few individuals in history have had such a massive impact on the world as the French emperor Napoléon Bonaparte. From military strategy and the modern political map to the spread of Enlightenment ideals around the globe, Napoléon shaped the world through his successes as well as his failures. The predominance of a right-hand drive is just one example. In America and much of Europe, we drive on the right side of the road, while England and a few other nations drive on the left. In the ancient world, horsemen would usually pass on the left side. Since most people are right-handed, it made sense to pass strangers on the same side as your sword arm. But when…

Housing Season and the Perfect Home Team

Housing season has officially begun. As anyone in the real estate business will tell you, spring is when most people buy, sell and renovate their homes. Whether you’re in the market, on the market or getting ready to remodel your kitchen, you need a home team you can trust. These tips from SelectQuote Auto & Home will help you pick the right realtor, contractor and mortgage broker for your needs – and save you money in the process. How to Choose a Realtor The purchase or sale of a home is one of the most significant financial decisions you can make. That’s why it is so important to pick a realtor who’s right for you, as opposed to just going with a friend who happens to be in real estate. Here are three criteria to help you find the right realtor for your needs. Use an Actual Realtor. The terms agent, broker…

Are You a New Homeowner? Make Sure You’re Covered From the Ceiling to the Floor

You’ve been through it all- searching up and down neighborhoods, wandering in and out of bedrooms, and walking on more avenues than you’ve ever imagined- to find your dream home. The long drives and endless walks are all worth it though because you’re finally ready to move into a place that will soon feel like home, if you haven’t already. As you have probably learned, many things come along with purchasing a home and it’s a rather exhausting process. During this exciting, yet stressful time you’ve dealt with the steps of acquiring homeowners insurance, appraisal, inspections, and credit checks. Depending on where you live you might be required to attain other insurances too, like flood insurance or tornado insurance. All of these facets are equally as important as the next because you need them all for a positive experience and beneficial purchase overall. So you now have a property. Next…

Eating for the Planet

When we think of major threats to the environment, many of us imagine vague, impersonal causes like industrial pollution or gillnets. But in reality, the lifestyle choices we make as individuals can have a much larger and direct impact on the planet than we realize – from how we get around to how much electricity we use in our homes. With the 46th annual Earth Day being held this month, there’s never been a better time to examine how our eating can affect the world around us – not just locally, but globally. Here are six great ways to eat for the planet while improving your health and nutrition in the process. Go Organic When you choose organic-certified products or sustainably grown food, you’re not just being trendy – you’re supporting production methods that are actually good for the planet. Sustainable farmers use ecologically sound practices to manage pests and weeds.…

4 Solar Incentives for Homeowners

Now more than ever, electricity is at the center of human activity – from heat and light to security, social life and entertainment. But nothing is free in this world. From our monthly power bill to the effects of our energy dependency on global politics and the environment, we are increasingly aware of the cost of our high-powered lifestyle. But how can we be part of the solution while saving our money and our planet at the same time? Questions like this are driving more people to consider solar power for their homes.  Here are four solar incentives for homeowners: There are a few different ways to harness the sun’s energy for electricity. Chances are you’re most familiar with photovoltaic solar panels, which convert sunlight into energy at the atomic level. The average American home consumes around 11,000-kilowatt hours (kWh) annually. By installing a solar array of 25-30 panels, you can…

Life Insurance Tips, Part 4: The Game’s Not Over Yet

When you let SelectQuote shop for your life insurance, the highly-rated companies we represent compete for your business – just like the leading college basketball teams contend for the championship during March Madness. With the championship game of the 2016 NCAA basketball tournament coming up fast on April 4, March Madness is in full swish. In the spirit of the tournament (and because we love sports analogies), this four-part blog series will provide a play-by-play account of what it’s like to get life insurance through SelectQuote – from securing a quote to activating your policy. The Game’s Not Over yet: How to Activate Your Life Insurance Policy After Declaring a Winner In last week’s post, we showed you how to pick the right life insurance company and policy for you by using the three R’s: rate, risk and relationship. But the game’s not over yet. Deciding which insurance company will win…

Life Insurance Tips, Part 3: Declaring a Winner

When you let SelectQuote shop for your life insurance, the highly-rated companies we represent compete for your business – just like the leading college basketball teams contend for the championship during March Madness. With the first game of the 2016 NCAA men’s basketball tournament being held this week, March Madness is in full swish. In the spirit of the tournament (and because we love sports analogies), this four-part blog series will provide a play-by-play account of what it’s like to get life insurance through SelectQuote – from securing a quote to activating your policy. Declaring a Winner: How to Decide on the Right Carrier and Policy for You By definition, the teams that make it to March Madness are all excellent. How else could they earn their place in the tournament? As we discussed in last week’s post, the same goes for the life insurance companies SelectQuote chooses to represent. All…