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Determining Your Life Insurance Needs: 10 Milestones for Changing Your Coverage Amount

All too often, people buy a life insurance policy, stuff it in a drawer, and forget about it. While there’s no question that having coverage in the first place is the responsible thing to do, it’s important to remember that your life insurance needs hardly remain static. That’s why it’s a good idea to review your current life insurance policy once every five years. If one or more of the following 10 milestones have occurred since you initially bought your policy, it may be time for you to increase – or decrease – your coverage.  You’ve Gotten Married, Divorced or Been Widowed If you’ve just gotten married, the best wedding present you can give yourself (and your partner) is more coverage – especially if one of you is financially supporting the other. If you’ve recently divorced or been widowed, you may want to reduce your coverage amount – especially if you don’t…

Vaccines – Health or Harmful

11-13-14 SQ Blog FBVaccines – Healthy or Harmful?
To build and strengthen the immune system, a body must be exposed to germs, viruses, or bacteria. However, rather than waiting to be exposed and take the risk of becoming ill, a vaccination creates the immunity necessary to ward off those illnesses. It rallies the body’s immune system to develop defenses against certain diseases and protect you from becoming seriously ill.
Do Vaccines Have Health Risks?
While most health care professionals point out that vaccinations have benefits that far outweigh any potential risk, some vaccines do have the potential for negative side effects. For example, the vaccine for pertussis, or whooping cough, has caused serious problems in very rare instances. Yet, the Centers for Disease Control and Prevention (CDC) states that the potential for harm or death from the combined vaccine for diphtheria, pertussis and tetanus (DTaP) is very low. A serious reaction to the DTaP vaccine occurs on fewer than one in one million individuals. In addition, while the DTaP vaccines may be linked to extremely rare instances of brain damage and seizures, the incidence rate is so rare, it is difficult to determine if the vaccine was the causative factor.