Insurance

If you’re having a baby, your goal is to live as long as possible to help your child become a productive member of society. Therefore, life insurance is a must when having a baby! It’s rational to start eating healthier, exercising more, and building great wealth. But for some reason, we’re not a very healthy nation. Roughly 70% […]

Hurricanes and earthquakes are a stark reminder of the importance of getting natural disaster insurance. As a long time resident of San Francisco, I wonder if I should get natural disaster insurance for earthquakes every single year. San Francisco lies close to the San Andreas fault line. It could start shifting at any moment. The last big

Variable life insurance is a type of permanent life insurance with a varying cash value. The long-term savings, aka investment aspect, of variable life insurance provides a tax-free sum to beneficiaries. The amount of the policy’s total death benefit payout goes up or down depending on the performance of underlying securities held in the policy.

Have you ever received a selfless act of kindness? Perhaps the car ahead paid your bridge toll. Maybe a stranger helped pick up your groceries when the bag ripped open. Or perhaps you received a life insurance payout when a loved one passed away. I hate bad luck. And dying prematurely is the worst bad

Understanding what natural disaster insurance is and whether it’s worth it is important if you live in a high risk area. Let’s learn how floods, wildfires, hurricanes, and earthquakes are covered under an insurance policy for natural disasters. I’m a multiple property owner in San Francisco which is a high risk area for earthquakes. Over

Cash value life insurance is a type of permanent life insurance policy. Unlike term life, which only has a death benefit, a permanent life insurance policy has a death benefit and a cash value. Cash value life insurance is just another name for permanent life insurance or whole life insurance. The names are often used

Universal life insurance is a type of permanent life insurance policy. A permanent life insurance policy is a policy that lasts a policyholder’s entire life. There is a death benefit paid out to beneficiaries and a cash value that builds up over time. Universal Life insurance is one of the most popular types of permanent

Have a teenager? Get an umbrella insurance policy asap if you don’t want the risk your teenager bankrupting you. Yes, you love them, but they can put your finances at risk due to all the trouble they get into. Even though my kids are young, I’m not waiting for their teenage years to get insured.

The cost of a funeral has risen from just $983 in 1971 to over $9,500 today. Unfortunately, the cost to die is expensive folks! Meanwhile, as a result of the rise in funeral costs, cremation rates have SOARED from just just 6% to nearly 50% in the same time period. Cremations “only” cost $5,150 a