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Finding the Right Life Insurance for You

Less than 30 percent of all Americans own a life insurance policy.  Anyone with dependents should consider the importance of purchasing a life insurance policy that would replace the annual income if the unthinkable happened.  These life characteristics should be considered: Home ownership Business ownership Family age College-bound children Age of the insured Term life insurance is the most affordable type since the policy will not build cash value from a portion of the premium, which is the case with whole life insurance.  Financial advisors recommend annuity policies with a death benefit for people with sufficient funds to invest.  Each type of life insurance has advantages that should be discussed with your insurance agent.  Additional policies can be added to the portfolio, as family needs change. Acquiring life insurance should happen early in life to establish insurability while your physical health is good.  Pre-existing medical conditions cause rates to rise.  Insurers can refuse to underwrite life ... Read more

Five Common Mistakes Parents Make With Child Safety Seats

With multiple manufactures and five different types of children’s car seats available, properly installing these important safety devices can be a challenge. In fact a survey done by the GM Foundation and Safe Kids USA indicates the problem is significant. The survey indicates that 73% of child safety seats are not being installed properly. Here are five common mistakes parents make when installing their child’s car seat. 1. Not selecting the right car seat. Child seats have a label on them that lets you know it is age, height and weight appropriate. Be sure to check it. 2. Not putting it in the back seat. Children should ride in the rear seat until the age of 13. 3. Having them facing forward too soon. Children should be in a car seat that faces the rear until about 2 years old. When they move into a forward facing seat, double check to insure the top tether ... Read more