Health Conditions

The Buzz on Marijuana and Life Insurance

It’s no surprise that lifestyle matters when it comes to life insurance. Diet, mental and physical health, family medical history, age, gender, and occupation—these are all common factors that impact life insurance rates. What happens when you add marijuana use to the mix? The purpose, the frequency and several other factors related to marijuana use matter more than marijuana itself when it comes to the cost of getting life insurance coverage. To Tell the Truth As far as life insurance applications go, honesty is truly the best policy. Life insurance policies are legal contracts between insurers and the insured. As…

Sandwiched In: Focusing on Finances While Supporting Family

Whether it’s stories about the “skills gap” being created as Baby Boomers retire or criticism of the expensive coffee habits of Millennials, generations crowd the headlines. No matter what generation your birthdate puts you in, you might find yourself living in the middle of another one – the sandwich generation. The Sandwich Generation Descriptions of the sandwich generation have evolved since social worker Dorothy Miller, first wrote about these caregivers more than 35 years ago. This is due to longer life expectancies, people having children later in life and the increased needs of some dependent children. If you are caring…

De-Mystifying Medicare Supplement Insurance

Paying bills may not be the first thing that people think of when they hear the word retirement, but it’s a reality that retirees, like anyone else, face. With October 15 marking the start of the annual enrollment period for Medicare, now is the perfect time to prepare. Whether you are enrolling for the first time, making changes to your existing coverage or keeping things the same, these tips will help you plan ahead and avoid surprises. Know Your ABCs (and D) Before you can determine what you need, it is important to understand what is offered. Part A (Hospital…

Back Up Your Words with Life Insurance

We all say certain phrases that become part of who we are. And even if they aren’t hashtag worthy, others are listening. The meaningful words we use to talk about loved ones and our passions provide a glimpse into who we are and what we value most. But you’ve probably also heard the saying, actions speak louder than words – right? It’s important to stop and consider what we say and whether our actions are aligned with our words. Life insurance is one way to back up what we say about who matters most and what we feel is important. Let’s…

5 Practical Ways to Unplug from Technology

The internet is littered with articles about how to unplug from technology, but the recommendations are often fairly extreme. Suggestions like only checking your email inbox at lunch, leaving your phone at home when you go on vacation, deactivating your Facebook account or ditching the smartphone altogether ring hollow for most of us. When you’re working in a different time zone from your boss, you’re likely expected to stay on top of email. When you’re away from home, your smartphone is the best way for the dog boarding facility or your mother to get in touch with you. Plus, it…

Six Health Tips That Can Also Grow Your Wealth

The relationship between our health and wealth is strong. Those in poor health suffer from a variety of illnesses and incur the high cost of medical care. And when someone is struggling financially, looming debt and the daily struggle to pay bills can negatively impact their health. This can become a vicious cycle of increasing financial hardship and declining wellness. There are moves you can make to help break this cycle or even try to prevent it in the first place. Staying healthy can make a big difference in improving your financial situation. Your level of fitness has both short…

Your Life Expectancy: Factors To Consider

While you can never know for certain how long you’ll live, knowing the answers to some basic questions can help you live your best life. Since none of us know how long we will live, the next best thing is being informed about how to make smart health and lifestyle choices. The American Academy of Actuaries and the Society of Actuaries developed a longevity calculator tool to give you a bit of perspective on your life expectancy. The tool asks only four questions to provide a foundation for understanding your longevity. Answering those four questions is a good start but…

7 Health Tips for the Holiday Season

The holiday season sneaks up faster and faster each year, doesn’t it? When time is flying and your to-do list is growing, don’t forget to keep your physical and mental health and your family’s a top priority – it’ll make the holiday season much more enjoyable. Air travel is set to hit record highs this Thanksgiving, up 2.5 percent from last year. There are over 27 million people passing through domestic airports over the next two weeks, and countless more on the road.[1] With so many people running around, passing through high traffic areas and preparing for the holidays, it’s worthwhile…

5 Tips for Enjoying Cuddling with Your Baby

It’s official – AAP says co-sleeping is a no-no. It’s lovely to cuddle in bed with baby. And a big, soft bed is the perfect spot for lazy face gazing, singing nursery rhymes, toe-ticklings and tummy time. But as tempting as a little nap together on the couch may seem, the American Academy of Pediatrics (APA) has issued its official recommendation that adults and babies should not sleep together – whether that’s on a bed, couch or armchair. Put simply, the APA recommends that for safe napping and sleeping this holiday season, a baby less than one year old should…

Navigate