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The Secret History of Life Insurance

With so many people getting life insurance policies over the Internet these days, it’s easy to think of life insurance coverage as a product of the digital age. But did you know that the history of life insurance policies can be traced all the way back to ancient Rome? The concept of life insurance was first introduced by the Roman military leader Caius Marius, who created a “burial club” for his troops around 100 B.C. If a member of the club were to die unexpectedly, other members would pay for his funeral expenses. Because the Romans believed that anyone who was wasn’t given a proper burial would haunt the living, Marius’s club spawned several copycats – many of which were backed by the military and the government. Eventually, these burial clubs began providing a stipend to the survivors of the deceased. After the fall of the Roman Empire, however, these…

5 Ways to Prepare Financially for a New Baby

If you’re an expecting parent, you’ve probably done your homework. Between Lamaze classes, parenting blogs and the latest edition of Dr. Spock’s Baby and Child Care, chances are you know enough about childbirth to get a job in a hospital. But there’s another type of preparation that’s equally important: prepare financially for a new baby. When you consider the US Department of Agriculture’s statistic that a child will cost more than $245,000 by the time he or she is ready to go to college, it’s easy to panic. But first things first. Here are five sensible ways to prepare your finances for the stork comes. Get a Handle on Your Health Insurance Even with health insurance, having a baby is expensive. That’s why it pays to find out now what is and isn’t covered by your insurance provider when it comes to prenatal care as well as labor and delivery.…

5 Father’s Day Health Apps

Father’s Day isn’t the only reason June is a major month for dads. June also happens to be National Men’s Health Month, which was instituted by Congress in 1994 to heighten awareness of preventable health problems in men and boys by promoting early detection of disease and injury. To celebrate, we’ve put together a list of five must-have fitness and health apps to keep dads across the country healthy and happy every month of the year. HealthTap Having a medical issue? Instead of Googling your symptoms and getting lost down the WebMD rabbit hole, just ask HealthTap. The app sends your question to its vetted network of 100,000+ American doctors, and one will get back to you within a matter of hours. HealthTap also comes with a database of information on common ailments, enabling you to better identify your symptoms and narrow down the best remedy. Need more care? For…

The 5 Least and Most Affordable Cities in the U.S.

This is the time of year when thousands of college graduates across the country are figuring out not only what they want to do with their lives, but also where they want to do it. For those who don’t have a job or an internship lined up already, deciding on a location (other than their parents’ basement) can be a tall order. While a host of factors can influence how good or bad a city is for someone who’s just starting out in the world, affordability is obviously paramount. By combining affordability indexes from Moneycrashers.com and the US Census Bureau’s 2014 American Community Survey, which include factors such as median listing prices for homes in the area, commuting costs and household income, we’ve compiled a list of the five least and most affordable cities in the US. If you’re a Millennial entering the real world for the first time, this…

5 Housing Tips for College Grads

It’s graduation season, which means thousands of Millennials all over the country are currently figuring out not only how, but also where to live now that they’re out of college. While Accenture reports that more than 40 percent of American college graduates plan on moving back in with their parents, becoming a “boomerang kid” doesn’t have to be the only option for the class of 2016. Whether you’re a Millennial yourself or the proud parent of one, here are five housing tips for college grads from higher education to the real world: Start Online While friends and relatives can be great resources for finding a place to live, a more reliable option is to start with sites such as Trulia, Zillow or StreetEasy. All offer property reviews by local residents, as well as price trends and crime reports for a particular area. Another helpful site is Padmapper, which filters apartments by price…

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 2: Comparison Shop to Win

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 coming up fast on March 15, 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. Comparison Shop to Win The teams that make it to March Madness earn their place through months of preparation and a string of big wins. That’s what makes the tournament so exciting – it’s a real head-to-head competition for the 68 teams that make the cut. The same principle applies to the life insurance companies represented…

Life Insurance Tips, Part 1: Ways To Get Prepared

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 coming up fast on March 15, 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. Preparing for the Big Game No team makes it to March Madness by accident. It takes months of hard work – practice, coaching, bonding, and most of all, winning – to be able to compete in the tournament. The same holds true for purchasing a term life policy. While SelectQuote does a lot of the…

Life Insurance and Retirement Planning Advice

Once upon a time, you could rely on Social Security and pension plans to cover the majority of your financial needs after you stopped working. But as more and more boomers are discovering each year, retirement can be elusive. That’s why most financial advisors recommend formulating and implementing a retirement strategy as early as possible. Here are four smart tips for retirement planning, starting with how life insurance can help secure your financial situation after you leave the workforce. Use Life Insurance to Help Fund Your Retirement When the topic of retirement planning comes up, few people think about life insurance. However, some finance experts recommend investing in a life insurance policy as part of a sound retirement strategy. Permanent and term life insurance can both be helpful tools when it comes to financial planning for retirement. Retirement Planning With Permanent Life Insurance When you buy a permanent life insurance…

5 Things You Didn’t Know About Term Life Insurance Quotes

Thanks to the Internet, term life insurance quotes are easy to get – but not so easy to understand. If you’ve used a number of different online quoting engines, chances are you’ve been quoted a broad range of prices. The varying estimates you receive are usually the result of how many questions you answered to get your quotes, along with which life insurance company (or companies) the quoting firm represents. Here are five things you didn’t know about term life insurance quotes that can save you time and money – and often spare you from disappointment. Your Quote Is Not Your Final Price Regardless of what you are quoted, your final price will always be determined by the life insurance company you choose. Insurance companies calculate your final price only after the results of your medical exam and all other relevant records have been thoroughly reviewed by the underwriter. Lying Doesn’t Pay Answering…

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