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Category: The Conscious Consumer

Thoughts on why people buy – or postpone buying – life insurance. I often call upon studies of neuroscience, psychology, religion, and spirituality to explain consumer behavior.

SEXUAL ABUSE AND LIFE INSURANCE

We all have a personal history. This backstory of your life not only impacts your identity, your life situation, and your relationships, but it also plays a major role when applying for life insurance. In our introductory article about sexual issues…
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3 TIPS FOR BUYING LIFE INSURANCE FOR PEOPLE WHO SMOKE

It’s a known fact that smoking carries many health effects, such as a higher risk of death, chronic disease, diabetes, and dental issues. But a side effect of smoking that isn’t as obvious is the increased cost of life insurance.…
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HOW MUCH LIFE INSURANCE DO YOU NEED TO PROVIDE FOR THE EMOTIONAL AND PSYCHOLOGICAL NEEDS OF YOUR LOVED ONES

Most of us know and understand the value of life insurance for providing financially for our loved ones. Life insurance ensures that your family will be able to pay the mortgage, continue education, and maintain their standard of living. But…
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POT AND LIFE INSURANCE: ANSWERS TO THE 10 BIGGEST QUESTIONS

Society’s perceptions of marijuana have undergone a drastic change since I was in junior high. Back then, it was normal for schools to assign Tuned Out as part of the curriculum and show “Reefer Madness” in class, with the intended purpose of…
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3 TIPS FOR BUYING LIFE INSURANCE FOR PEOPLE WITH AN ALCOHOL HISTORY

Many people believe that you have to be in perfect health and live a low-risk lifestyle to obtain life insurance, but that’s not always the case. Did you know that you can purchase a life insurance policy at a reasonable…
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The Basics of Premium Financing

The Basics of Premium Financing

What Is Premium Financing? Premium financing is basically just borrowing money to pay life insurance premiums. High-net-worth individuals and companies…
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celebrating fireworks

Financial Independence vs. Independent Wealth

Today we celebrate the independence of the United States of America. Happy birthday, USA! Let’s talk about what independence means from…
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What are the Habits of Wealthy People?

What sets the wealthy apart? What helps them rise above the rest and stay successful? The answer may surprise you. The key is not working eighty-hour weeks or hiring a bigger staff. It’s simple, really. Wealthy people say thank you.…
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5 Reasons Why You Should Disclose Your Prior Drug Use on Your Life Insurance Application

Life insurance is probably the most comprehensively underwritten financial product in the marketplace. Everything from current health, to family medical history, to criminal record, is covered – with various lifestyle and health factors in between. Many people are not comfortable…
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Three Tips for Securing Life Insurance for a Divorce Settlement

We’re all aware of the scary statistic that 40 to 50% of married couples in the United States divorce. Yet, many people don’t also realize that divorce reduces a man’s standard of living by 10% and a woman’s by almost 30%. For these reasons,…
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