Blog

2019-11-22_Preparing-For-Winter

Preparing For Winter

 

Fall is a beautiful season. It’s a wonderful time when leaves turn a multitude of colors, and the air is crisp with just a hint of the cold that is soon to follow. The changing of the seasons is inevitable, and a good reminder that we, too...should prepare.

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2019-10-3_Its-About-Time

It's About Time

 

Here is the riddle: ‘What can you take, buy, spend, make, find, manage, measure, and waste, but never stop, change, or recover?’ The answer is...

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2019-09-13_Using a Life Insurance Policy as Collateral for a Small Business Loan

Using a Life Insurance Policy as Collateral for a Small Business Loan

 

Are you thinking about applying for a small business loan? Using a life insurance policy as collateral for a small business loan could be a good option for you. Read on to learn about "collateral assignment" and how the process works.

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2019-09-09_What is Your Risk Tolerance

What is Your Risk Tolerance?

 

For most of us, risk tolerance depends on a number factors. When we’re young, we are ready to throw caution to the wind and try anything — no matter how foolish. As we become older and wiser, we tend to be more cautious...but this is a blog about life insurance, so why are we talking about risk?

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2019-09-01_Life Insurance Facts VS Fiction

September is Life Insurance Awareness Month

 

If you watch the news or have any social media presence, you’ve probably heard the term ‘fake news.’ September is Life Insurance Awareness Month (LIAM), and while certainly not in the ‘fake news’ category, there are a few myths and misconceptions about life insurance that are easy enough to clear up.

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2019-08-02_Coverage On A Budget

Coverage on a Budget

 

Life insurance is especially important if you have significant financial obligations....The problem that many of us face is, how do you provide this protection without busting an already tight budget? Term Life Insurance may be the solution.

 

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2019-07-17_Finding Our Why

Finding Our Why

 

Children, especially small children, are forever asking why. Why is the sky blue? Why do I have to eat my vegetables?... Why provide life insurance? Because it can be the difference between losing someone you love and losing everything....

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2019-06-13_June is National Annuity Awareness Month

June is National Annuity Awareness Month

 

If you’re nearing retirement or actively planning for it, you are probably already aware of annuities. Finding the right vehicle for your money is an important part of retirement planning, and annuities are a popular choice.

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2019-05-30_A Graduation Present You Dont Want

A Graduation Present You Don't Want — Student Loan Debt

 

My oldest son is a senior in high school. Time marches on, whether we are ready or not, and new adventures await. One of these new adventures is getting a college education.

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2019-05-16_5 Factors That Can Influence How Much Youll Pay for a Policy

5 Factors That Can Influence How Much You’ll Pay for a Policy

 

Life insurance isn’t priced as a one-size-fits-all product, meaning there are several factors — in addition to your age — that will determine just how much you’ll pay for a policy.

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2019-05-02_3 Considerations When Selecting a Life Insurance Company

3 Considerations When Selecting a Life Insurance Company

 

All too often, a life insurance company is selected based on the competitiveness of its quote. Sure, price is an important factor, but it shouldn’t be the only reason for selecting an insurer.

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2019-04-12_When is Converting Your Term Life Policy into a Whole Life Policy a Good Idea

When is Converting Your Term Life Policy into a Whole Life Policy a Good Idea?

 

If your financial needs change during the course of your term policy, you can have it converted into a whole life policy. The option is available for everyone who owns a Sagicor Sage Term policy.

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2019-03-22_Inflation - Why Saving Isnt Always Enough

Inflation - Why Saving Isnt Always Enough

 

“A penny saved is a penny earned”—While those may be good words to live by, 56.3 percent of Americans in a recent survey indicated having less than $1,000 in their savings account.

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2019-02-28_What is an Index-Linked Life Insurance Policy

What is an Index-Linked Life Insurance Policy?

 

If you’re in the market for life insurance, you’ve most likely come across some policies that are described as linked to an index. How do you know if that type of policy is right for you?

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2019-02-12_Are You Considering All Your Retirement Options

Are You Considering All Your Retirement Options?

 

The golden rule of retirement planning is to save as much as you can, as early as you can. But how can you be certain that you’re considering all your retirement options?

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2019-01-31_Should You Get Life Insurance for Stay-at-Home Parents

Should You Get Life Insurance for Stay-at-Home Parents?

 

Is life insurance necessary when a parent doesn’t bring home a paycheck?

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2019-01-15_Whats the Number One Reason to Buy Life Insurance

What’s the Number One Reason to Buy Life Insurance?

 

What’s unique about life insurance is that unlike many other types of insurance such as home and auto, the number one reason to buy life insurance is love.

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2018-01-26_Three Reasons To Start Saving for Retirement Today

3 Reasons To Start Saving for Retirement—Today!

 

People who start saving for retirement in their 20s are 66% more likely to retire before age 60 compared to those that begin saving in their 30s.

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2018-01-12_Five Ways to Kick-Start Your Financial New Years Resolutions

5 Ways to Kick-Start Your Financial New Year’s Resolutions

 

Abandoned new year resolutions might be the cliché, but that doesn’t mean they’re useless.

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2017-10-13_LIAM5-How Much Life Insurance Do I Need

How Much Life Insurance Do I Need? (Life Insurance Awareness Month: A Late Part 5)

 

Figuring out your life insurance needs is not as complicated as it might seem.

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2017-09-29_LIAM4-Do You Value Your Car More Than Your Life

Life Insurance Awareness Month – Part 4: Do You Value Your Car More Than Your Life?

 

79% of Americans have car insurance. 67% of Americans have home insurance. Only 55% of Americans have life insurance.

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2017-09-22_LIAM3-Real Life Stories

Life Insurance Awareness Month – Part 3: Real Life Stories

 

These stories are powerful, heartfelt testimonials from individuals and families who have suffered the loss of a spouse or parent. They attest to the struggles of not having life insurance, or what having life insurance has meant to them, after the tragedy.

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2017-09-01_LIAM1-The Cost of Ignorance

Life Insurance Awareness Month – Part 1: The Cost of Ignorance

 

POP QUIZ: How much does a 20-year, $250,000 policy cost a healthy, non-smoking 30-year-old man each month?

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2017-07-25_Information Security 101

Information Security 101

 

Technology is not the perfect answer to security problems. Information security is more like avoiding potholes than jumping hurdles. Just watch where you step.

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2016-05-17_Why Buy Life Insurance Today

Why Buy Life Insurance Today?

 

Getting life insurance today will provide peace of mind knowing that your loved ones are financially secure should the unexpected happen.

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2016-05-17_A Guide to Understanding Life Insurance

A Guide to Understanding Life Insurance

 

Anyone who has a family, supports a household, pays a mortgage or plans to send children to college can alleviate the financial burdens created by their death, if they have life insurance.

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