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Life Insurance

  • Life Insurance | Shopping for Life Insurance

    Now might be the best time for millennials to buy life insurance

    If you want to know the future of the economy, just ask a Millennial.

    This generation, born in the 1980s and 1990s, has transformed the expectation of how and why we buy certain products. With a preference for digital services, Millennials have influenced the business models of many companies – new and old, which are adjusting to accommodate the preferences of this generation.

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  • life insurance for married couples
    Life Insurance | Life Insurance for Your Lifestage

    Should newlyweds consider term life insurance?

    From the time they are little, many people dream about being married someday. Who will the person be? How will they meet? How many beautiful children will they have?

    Typically, nowhere in those fantasies do the topics of shared financial responsibilities and preparation for the unexpected come into the equation.

    But as we know, planning for a lifetime with your soulmate extends beyond just wedding arrangements and booking the honeymoon.

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  • what you need to know about life insurance
    Life Insurance

    How Do I Know If I Need Life Insurance?

    Understanding your life insurance needs is actually pretty easy. You have to simply ask yourself, “Do I have people who rely on me for financial support?” If the answer is, “Yes” then you probably need some amount of life insurance coverage.

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  • financial milestones in your 30s
  • life insurance for gay couples
  • life insurance for grad school loans
    Life Insurance

    Thinking of Going to Grad School? You Might Need Life Insurance

    Whether you’ve recently graduated or have been in the workforce for years, at some point, you may be thinking of going to grad school.

    Grad school can be a great next step to boost your career or try your hand at something else. The only problem? Grad school can cost a pretty penny. I should know — I took out an additional $58,000 in student loans for my master’s degree, which helped me fulfill my dream of going to NYU.

    If you’re thinking of going to grad school, you’re probably aware that you may have to take on student loans to make your dreams a reality. When you’re young and single, those student loans usually aren’t a consideration for anyone but yourself (unless you needed a co-signer to get them.) But, if you’re married and taking out student loans, you’re potentially taking on a debt burden that would impact your spouse and children.

    If you’re single with a loan co-signer or married with children and taking on debt, did you know that you might need life insurance?

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  • pride month LGBT
    Life Insurance | Life Insurance for Your Lifestage

    Single and Gay: Why Life Insurance Is For Me

    I’m 32, single and gay. By all stereotypical notions of why people buy life insurance, I have no business writing this. People usually hear “Now that you’re married, you should consider life insurance” or “Well now that you have children, don’t you want to make sure they’re protected?” In fact, if you look at how life insurance is typically marketed, a happy and carefree single person (who may be gay) rarely shows up. But despite all this, I have three life insurance policies.

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  • when do millennials need to get life insurance?
    Life Insurance

    Millennials, Do You Need Life Insurance? Maybe Not.

    If you have ever read my blog before, you know that as a financial planner, I value life insurance as an integral part of my clients’ financial lives. Before training as a financial advisor, I honestly never gave much thought to life insurance. However, now I know that it’s a valuable tool to help protect you against certain financial risks.

    While I value life insurance as a smart way to financially protect your loved ones, I don’t value it for every client; and for the most part I rarely recommend it to my millennial clients.

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  • how do you get your life insurance death benefit
    Life Insurance | Managing Your Life Insurance

    Life Insurance Claim Examiners: Proving That Not All Heroes Wear Capes

    I’ve always loved that saying, “Not all heroes wear capes.” It’s usually accompanied by pictures of pizza deliverymen, the people who work at Chick-fil-A, or various other ways of saying we love people that make life better (or in the case of my examples, more delicious).

    Going into an interview with Jeff Butcher, Senior Claims Examiner at MassMutual, I didn’t realize I’d be so touched by the role of a claims examiner. To be honest, when I really thought about it, I thought it must be a pretty depressing job. A claims examiner is the person who handles the payout of a life insurance policy. They deal with death and loss every day.

    You’ll soon see Jeff doesn’t view his role that way.

    The reason I spoke with Jeff is because MassMutual issues the Haven Term policy and, thus, is responsible for paying death benefits. (That’s a good thing for our customers because when you buy life insurance, you want to know the policy is from a company that has a long history of financial strength and timely payment of claims.

    We get a lot of questions from our customers and applicants about how the claims process works. Luckily, we have access to claim examiners like Jeff.

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