A man uses hand soap to wash his hands.
Have you ever read the ingredients on the back of your shampoo bottle? Have you read the back of your liquid hand-soap bottle? If you have done so, you probably have wondered what some of these words mean. Are those ingredients safe for you to use? Let us examine one […]

Sodium Lauryl Sulfate?

Insurance riders can help you make the most of your coverage.
Do you know about insurance riders? Imagine stepping into a car dealership and only being able to choose the make and model of a vehicle, with no opportunity for upgrades or customization. You would miss out on added benefits like heated seats for those chilly winter mornings, a rearview camera […]

Insurance Riders

Man looking down at phone with a cloudy backdrop
Are you spending too much time on your phone? Do you find it increasingly difficult to put your phone down? Do you have a hard time unplugging and tuning in to real life? If so, you are not alone. On average, people check their phones up to 96 times a day. […]

Are You Spending Too Much Time on Your Phone?

A mother works and sits with her child.
It can be challenging for you to determine who will be your life insurance beneficiary. Firstly, no one wants to talk about death, but choosing the correct beneficiary is a vital decision every policyholder must make. Are you aware that naming a minor beneficiary can cause problems after the insured passes […]

Minor Beneficiary

A young man and his advisor review life insurance policies.
For many Americans, having employer life insurance is a good benefit, especially if there is no other life insurance policy to their name. They can receive some form of comfort knowing that they have coverage in case the worst should happen. Employer-provided life insurance is group term life insurance that employers […]

Is Employer Life Insurance Enough?

In our complex and ever-evolving world, few social systems have demonstrated as much resilience and relevance as Social Security.
In our complex and ever-evolving world, few social systems have demonstrated as much resilience and relevance as Social Security. This vital program, seen as an essential pillar of public policy, has played a critical role in safeguarding the financial well-being of citizens. From the retiree in Miami to the widow in Sydney, […]

Social Security History

Millions of adults in the United States, approximately 51.6 million, experience chronic pain. These feelings of pain can fluctuate during the day, with it getting better in the morning or worse in the afternoon and vice versa. One would think that the end of the day when you are relaxing and […]

Chronic Pain at Night

A wheelchair sits in a living room, and a disabled woman sits on a couch with a laptop.
Disability Insurance Awareness Month When you consider the month of May, you may picture sunny days, spring flowers blooming, or graduation ceremonies, but May is also Disability Insurance Awareness Month. Have you pondered why purchasing this insurance is advantageous? What is Disability Insurance? Disability Insurance provides a safety net for […]

Disability Insurance

Describing anxiety
Always On Edge We all know what it’s like to be afraid. Sweaty hands, a pounding heart, and racing thoughts come to mind. Our body uses fear to prepare us for potentially dangerous situations. It doesn’t feel good, but it is a necessary tool in certain situations that helps keep […]

How to Cope with Anxiety: Much More than Stress

Planning for your financial future is essential, and understanding the different retirement savings options available is key to securing your financial stability. The Individual Retirement Account (IRA) and the 401(k) plan are two popular retirement savings vehicles that offer tax advantages and cater to various financial needs and preferences. As […]

IRA and 401(k): At a Glance