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Life Insurance: What Am I Paying For?

Life insurance is a valuable insurance policy – even though it may not always feel like it! Does life insurance feel like a weighty outgoing each month, rather than a good value investment? After all, unlike a house or car, you’re buying peace of mind—rather than something you can physically touch. Premiums can increase over time and seem to fluctuate more than you’d like them to. A life insurance policy is designed to maintain your family’s finances when you are no longer there to do so. From paying funeral expenses, remaining debt, and your child’s college fund, life insurance is a policy that wholly supports your family. What makes life insurance premiums rise? Put simply, as long as you pay regular premiums to a life insurance company, then the policy should guarantee to pay out a sum of money if you die within the term of the policy. In essence, the greater your risk, the ... Read more

What You Need to Know About Child Car Seats

All parents want to keep their children safe when in the car—a car seat is there to protect little ones. When tucking your child into their car seat, it’s imperative to ensure that they are in the right seat, facing the right way, and secure for the entire journey. There are many car seat choices on the market! With age, your child will progress from rear-facing car seat to a forward-facing car seat, to a booster seat, to only a seat belt. Here is a breakdown of the basics: Rear-Facing Car Seat Birth – 3 Years Until your child reaches the top height, or weight limit allowed by your car seat’s manufacturer, your child should remain in a rear-facing car seat in the backseat of the car. Keep your child rear-facing for as long as possible as this is the best way to keep them safe. Once your child outgrows this seat, your child is ... Read more