Amy Rose Herrick, Chartered Financial Consultant, Agent & Author has shared her depth of knowledge in the personal insurance industry for over 20 years with the public. Beginning in 1991 by using articles, meeting with individual and small business clients, speaking engagements and incorporating other community learning opportunities, she has helped families make individual informed decisions about life insurance coverage design from application to disbursements of policy proceeds due to death of the insured.

Amy is a licensed insurance professional in multiple states from coast to coast including the U.S. Virgin Islands. She is available to assist with policy design, in force policy reviews or to answer questions upon request.

At present she maintains offices in the U.S. Virgin Islands and in Tecumseh, Kansas traveling to the mainland to service stateside clientele as needed.

Expert Articles by Amy Rose Herrick

Life Insurance

	Financially protect your family’s future with term life insurance While life insurance is not a glamorous purchase that you can show off, it provides money for your family to carry on without you when it is needed most. It means your spouse is not working day and ni...
	Advice on using permanent life insurance as an investment vehicle Permanent life insurance is a self-completing accumulation vehicle used by those who understand how it fits into their overall financial goals for a lifetime full of changes and milestones. The level ...

Expert Articles Sponsored by Amy Rose Herrick

Credit and Debt Management

	How to rebuild your credit after clearing up debt problems With the right plan in place, you can secure your financial future in spite of the chaos of our current economy. The key is to build good financial habits to replace the bad ones that landed you in fi...
	How to pay down credit card debt on your own Paying down credit card debt on your own is possible for many people. Instead of feeling overwhelmed, start by creating and using a simple monthly budget. Then choose either the avalanche or snowball ...
	Avoiding holiday debt Learn how to create a strategy that helps you avoid depending on credit cards and racking up too much debt during the winter holidays. With careful planning and the right amount of preparation, you ca...
	Stay out of debt and within your budget when shopping for the holidays With just a little effort and planning, you can create and use a simple holiday budget. When you work from a budget, your holidays can be far more carefree. Ultimately, you will be able to focus on jo...
	Get a credit card with low interest rate and great rewards program Applying for a credit card requires preparation, so make sure you take the necessary steps beforehand to set yourself up for continued financial success....
	Avoid late fees and lower interest charges with debt consolidation With debt consolidation, you may be able to simplify on-time payments. But remember that it does not address the need to look at the root problem. It will be important to make a commitment to turning ...
	Choose the right debt consolidation company to help pay down your debt If you are facing too many accounts with too-high minimum payments at crippling interest rates, debt consolidation services may offer a solution. The rule of thumb in choosing a company is “buyer be...
	Teach your college student financial responsibility with a credit card If you follow this advice, it can serve as the basis of good financial responsibility going forward. Since this is the first time your child will be making financial decisions independent of you, the ...
	Avoid bankruptcy, take control of your debt, and repair your finances For some, bankruptcy is a viable option. Yet, there are many other ways that you can settle your debts and repair your finances without an extreme measure such as bankruptcy. Whatever route you choose...
	How to stop harassing phone calls from debt collectors The only real way to ease the burden of the debts and truly stop the harassing phone calls is to settle your debts. Explore your options and find the right program for you. Research your options to pa...
	Be financially responsible with your credit card while in college Remember, having a credit card is a huge responsibility and any mistakes you may make now can impact your ability to take out a new line or credit or a loan in the future. Before you know it you will ...
	Credit counseling can reduce monthly payments and pay off debt Credit counseling can be very helpful for individuals who can stick with the program over several years, and who can make the payments resulting from a lower interest rate. If you do have debt, make s...
	Understand debt settlement to help deal with your debt problem Debt settlement, also referred to as debt resolution, is a serious process for people in serious debt. For those who qualify, it can provide significant benefits: lower monthly outlays, reduced debt, ...
	Choose a trusted debt settlement company to help resolve your debt When it comes to getting debt help, selecting a solid partner that will help you is critical. For those who are looking for a trustworthy organization to help win the battle against debt, these consid...
	Expert advice on how to deal with a debt collector If you are working in good faith to repay your debts, don’t let debt collectors harass and intimidate you. You have the right to be treated with respect while you work to get out of debt and find yo...
	How to negotiate outstanding debt with a credit card company It’s possible to successfully negotiate debt with a credit card company, but it is imperative that consumers know their rights when it comes to federal credit card laws. Do your homework first, that...
	The importance of debt: Is there such a thing as healthy debt? Remember to focus on lasting value when evaluating whether a debt is healthy or unhealthy. Healthy debt will provide lasting value, and is aligned with a long-term goal (e.g., a mortgage enables you t...
	How to improve your credit score and ensure financial health Beyond financial institutions, potential employers, landlords and even cell phone providers may look at your credit score to determine whether you’re a good credit risk. Credit scores also play a pa...
	Everything you need to know about credit reports and credit scores It’s important to distinguish between credit reports and credit scores. Knowing the details of your credit report as well as the meaning of your credit score will help you identify financial strengt...
	How to recognize and avoid a personal financial disaster The signs that you’re flirting with a financial disaster may not be clear when committed individually, but a few of these combined should be an obvious red flag to any consumer. However, with a litt...
	How and why your should improve your credit score Getting your credit back to where it needs to be so that you can do the things you want to do isn't an impossible feat. It just takes a little patience, checking your credit report regularly, disputin...
	How to negotiate a lower interest rate on your credit cards If you want to negotiate a lower interest rate, do your research, call and ask, and have a back-up plan in place. A lower APR will save you money and reduce your credit card debt. These potential savi...
	Lower your credit card interest rate with a phone call When attempting to renegotiate your interest rates, it is important to be prepared before you pick up the phone. Make sure you’ve done your research and that you’re ready with any necessary inform...

Marriage and Couples

	Get help if you are unsure of your marriage or relationship Making a decision about changing a relationship is one of the hardest things that people do. When there are kids involved, that decision making process is even harder. Give yourself the time that you ...
	Date night is a must for parents to ensure a healthy relationship Finding the opportunity, and the courage, to spend time alone with your partner isn’t easy for many parents. Not only are there the very real demands of modern family life, fear and hesitation may b...
	Parents can still have a romantic relationship while raising kids Most long-term couples - especially parents - go through periods when their romantic life loses its vitality. While it can be pretty distressing, try to regard it as a normal stage in the life span of...
	Admitting when you are wrong supports a healthy relationship Remember, the one who apologizes or gives into their partner is not admitting they are wrong, but supporting their relationship over their point of view. And true love always overcomes self-righteousn...
	Save your relationship with an experienced marriage counselor You want to pick a marriage counselor who has a good amount of experience and who focuses on marital issues as his focus of work. It is also important to get a counselor who will help you experience c...
	Expert advice for a strong and passionate marriage and relationship Strengthening your marriage is a necessity, not a luxury. Marriages cannot afford to be in an inert or status quo state. We need to work on ourselves and the relationship to get the most out of it. As...
	Expert advice on meditation and how it can improve your relationship Meditation, being mindful, and appreciative will improve all aspects of your life and relationship. Just like going to the gym, the most important thing is to start and be consistent, and all the bene...
	Get the love you want in your relationship with help from a therapist You may ask yourself, what can I get out of couples therapy? The answer lies in what you are hoping to learn about yourself, your partner and/or your troubled relationship. People go to couples counse...
	Maintaining sexual and emotional intimacy is vital for parents Many couples will make changes in their lives for the sake of their children before they will do it for themselves. But having a thriving, robust sex life is possible when you have children. In fact, ...
	Expert advice for keeping the romance alive after having a baby Most new parents feel daunted by the difficulty of keeping their sex life alive. Faced with the multitude of challenges that come home with the baby, it can feel like an unsolvable riddle. But with so...
	Do you tell your fiancee that you don't love the engagement ring? The Maybe Factor: If it’s a family heirloom, all bets are off and a whole new set of rules apply.Prevention is always best. If you slip your partner hints from the beginning, most of this could have...
	Emotionally connect to make it a good relationship and marriage Emotional connection is an essential ingredient in a healthy relationship. It is built and destroyed by the way you handle little everyday things. As the saying goes “The devil is in the details.”...
	Parents can rekindle their intimacy to create a strong marriage Intentional acts of love, kindness and sensuality stimulate the part of our brain that thinks, “Yes, I am a sexy person and not just a parent.” These small connections may not be explicitly sexual...
	Great first wedding anniversary gift ideas for your husband Whether it’s a special watch, cufflinks or a ring, there are many unique jewelry pieces that you can purchase for your husband on your first wedding anniversary. Consider these tips to find the perf...
	Fostering strong connections is essential to family well-being Creating traditions of connection in your relationship is vital for building a lasting bond. Work with each other on introducing and nurturing behaviors that will put you back on the path towards each...
	Create meaningful relations by nurturing fulfillment and intimacy Sustaining long-term intimacy is real and attainable. By following these steps and making a commitment to practice, you can achieve new levels of happiness and fulfillment with your partner and in you...
	Understand the 4C's and get the best value when buying a diamond From understanding diamond grades to knowing your lady’s preferences, from asking if a diamond is color treated to watching out for simulants, it’s important to have background knowledge before yo...
	How to create the perfect marriage and avoid divorce The power to create a successful marriage lies in our very own hands. Divorce can truly be avoided if we each do our part to foster a climate of love, devotion and commitment. We must recognize the pa...
	Plan the perfect Valentine's Day for your wife or girlfriend Valentine’s Day is about celebrating your relationship, and expressing your love. It’s the thoughtful little things that show you truly care; so swap the pricey present for a new experience togeth...
	Tips to ensure parenting does not interfere with your marriage Being a parent is tough. But it doesn’t have to interfere with your marriage. Parenting and marriage should both be fun. And if one is causing problems for the other, that’s a sign that you are do...
	How to put the sizzle in your sex life regardless of your age Acknowledge, address and resolve your issues in and out of the bedroom. We all need more fun in our lives. So beginning today, talk to your partner and jointly make a decision to take whatever steps a...
	Improve your marriage and relationship through better communication Even if your relationship is on a rocky road at the moment, smoother sailing can be just ahead. Strengthening your communication skills and making time to connect every day will go a long way to impro...
	An unplugged weekend getaway will do wonders for a relationship A change in scenery and pace creates the opportunity to change your perspective. Getting out of your routine shakes things up and helps you rediscover and rejuvenate yourself and your relationship. Th...
	How can married couples thrive when one partner has adult ADHD? It is possible that you are one of the millions of couples whose relationship is on the rocks because of undiagnosed adult ADHD. If you think you detect symptoms of ADHD, such as chronic distraction a...

Caring for Aging Parents

	Advice for elderly families in transition Having parents or elders age forces conversations between parents and children around elder’s wishes on housing, care and end of life directives. These can be uncomfortable conversations but are nec...
	Help your elderly parent maintain independence with good communication Many of these suggestions are common themes in successful communication between adults. Mutual respect and courtesy is a must, and developing new skills, along with practice, is a constant. The reward...
	Get help caring for an elderly parent with this expert advice ...
	Get long-term care that is the right fit for your elderly parent Finding long term care for your loved ones is not something to be taken lightly. There are many options and it’s important to know the wishes of your loved ones and to be informed about the differen...
	Discussing difficult life issues with aging family members Talking with aging family members about difficult life issues is not easy. But mapping out the conversation ahead of time and avoiding major pitfalls can make important family discussions more positiv...
	Managing the stress often associated with family caregiving Reaching out for love and support can be a sure-fire way of sustaining yourself as a caregiver and the well-being of your loved one. When done mindfully, respecting your own needs and preferences, as ...
	Minimize the holiday blues for seniors suffering from depression As a caregiver or family member of a depressed older person, make it your responsibility to get involved. You can make a significant difference and remove or lessen the holiday blues for seniors suffe...
	Talk openly by starting a care conversation with aging parents After conversing with a loved one’s doctor or care provider and determining what type of care center is most appropriate, a family can explore options within their community that fits their budget a...
	Preserve the dignity of your elderly parents by caring for their needs Together we can work toward making a difference in the overall well-being and preservation of dignity of the elders in our communities, who, indeed, are deserving of our care and respect. Help your el...
	Navigating the challenges of becoming a caregiver to aging parents Caring for aging or sick parents can bring rewards, but it also comes with challenges. Take the steps to assist your parents in getting their legal documents in order before caregiving becomes require...
	Advice for seniors moving to a smaller home or retirement community Move while you are the one in charge. If you put in the work up front, during the planning and sorting phase, your move will be much smoother. Let experienced movers, such as Senior Move Managers, ass...
	Advice for managing the depression of your aging loved ones Depression is the most common mental illness affecting seniors, and the signs should not be ignored. In fact, the elderly have the highest rate of suicide out of all age groups. While today’s treatm...
	How to best approach your parent on moving into a nursing home Responding to the needs of aging parents is a difficult and emotional process for everyone. Adult children need to communicate clearly and directly with the parent while being respectful and caring. A...
	How to find a good home care agency and stay in your home Mom and dad have made the decision to stay at home instead of moving to a assisted living facility. You know that in order for them to be safe and comfortable they are going to need assistance. Home C...
	Loved ones can help seniors though the progression of Alzheimer's Alzheimer’s affects more than 5 million Americans, and the disease has an impact on the entire family. While adult children become caregivers for aging parents, young children and teens need support...
	How to ensure the safety of your aging parents behind the wheel Aging does not necessarily mean a person's driving days are over. However, it is vital to ensure the safety of your loved ones on the road. This begins with learning more about how to detect problems,...
	Maximize rewards and minimize stress when caring for aging parents Having parents age and fail is unsettling emotionally and disruptive in many other ways. Caregiving can be extremely taxing and very tricky to navigate, but it can be deeply rewarding. A major key to ...
	How to help and support your aging parents as they grow older Keeping these simple guidelines in mind will not only help improve the relationship you have with your parents, but it will also ease the stress that invariably accompanies changing roles. We all want...

Aging and Longevity

	Your elderly parent fell? This could change everything There are rarely any easy answers when circumstances for seniors change quickly due to illness or injury. The best approach for adult children is to gather as much information as possible, turn to tru...
	Choose a trustworthy and qualified caregiver for your elderly parent Choosing a caregiver for your parent is an important decision, and it can be an emotional one as well. The caregiver that you choose assumes a great deal of responsibility; he or she becomes a part of...
	Empower yourself as a senior because you deserve a better lifestyle This may seem pretty serious and business-like, but when you think about it, the business of life is very serious and your future independence relies on it. You have earned your seniority position in ...
	Prevent falls as a senior by creating a safer living environment Fall prevention is protecting our seniors. This issue has become such a meaningful matter that our Senate has passed a bill making September 22, National Fall Prevention Awareness day. We don’t want...
	Discover in-home healthcare options that are safe and comfortable Today’s healthcare options range from home care and medical alert systems to assisted living and skilled nursing homes. When choosing the right care option, it’s important to consider your health ...
	Live longer and feel younger by delaying old age as late as possible Aging is inevitable, however, old age is optional and personal. It depends on your state of mind and your beliefs about aging. Becoming a vibrant youthful thinking independent 80 year old is far more ...
	Embrace the change of moving into an assisted living facility You can choose to view your move to an assisted living facility as a life sentence or as a new chapter, brimming with possibilities. The way in which you view your circumstances is your choice to make...
	Choose a qualified in-home caregiver from a reliable provider Everyone is different and has unique support needs, so the biggest piece of advice I can offer is to ask a lot of questions and get to know the individuals and companies well before committing to them...
	Keep your independence with the help of an in-home care agency Choosing a caregiver agency can be a daunting prospect, but the information presented here should provide a checklist to make the interviewing and selection easier.The main things to remember are that...
	Reduce the effects of aging using vitamin and nutrient supplements Supplementing your diet with the correct amount of vitamins and other dietary supplements is key in optimizing your health, especially at old age. Make sure you get your fill of omega-3 fats, probioti...
	Overcome your fear of death by embracing love and happiness So as you can see, most of this advice is about living with love, and in the present moment. Whether we’re living a normal life in normal time, or whether we’re in the end or last stages of life, ...
	A life coach can help you reduce stressful decisions in retirement Those of us who have coached clients know the extraordinary impact coaching can have on people’s lives. Be committed to having a fulfilling life and don’t settle for anything less. Feel empowered ...
	Planning and preparation can help with the care of aging parents While no one likes to talk about these issues, it is critical to have a legal and financial plan in place. There are many situations in which a medical crisis occurs, and while last minute planning ma...
	Age gracefully with a positive attitude, strong mind and healthy body The secret to aging gracefully is taking good care of yourself as you age. Drastic measures like plastic surgery can be avoided by taking the right steps to stay healthy, strong and lean. The sooner y...
	Expect spiritual expansion and change when experiencing hospice The above material hopefully has help you see how your spiritual life can greatly expand through the hospice experience. Let’s all take the time and energy to dive deeper into our spiritual lives an...
	Forgetful? Memory enhancement is still possible as you age Medical advances have made it possible for us to have a much longer lifespan. We all know we should eat a healthy diet, exercise regularly, and control our stress, but now there is another factor to c...
	Help managing Parkinson's disease symptoms and getting treatment There are still many questions that need to be answered about PD related to causes, diagnosis, symptoms and treatments. Studies and clinical trials are being conducted around the globe. It is imperati...
	Embrace hospice as a guide on the journey through terminal illness There arguably is no more compelling example of compassionate care in our healthcare system today than hospice. Hospice staff and volunteers can be angels on earth, whether they are providing care in ...
	Ensure you track and take your medications on time It is very important that you take your medications as prescribed, on time, and in the correct dosage. It is also equally important to ensure you are taking the medication you are supposed to be takin...
	What can older adults expect from assisted living communities? Assisted living communities provide a wonderful option for seniors to maintain as much independence as possible, with the security of knowing that, as their needs change, they can receive support and ...
	Understand Alzheimer’s disease and the care options available The prevalence of Alzheimer’s disease in our country is increasing rapidly. It is critical to understand the distinctions between normal memory loss associated with aging and very specific impairmen...
	Using modern technology can help elderly people with dementia While researchers and scientists focus on finding a cure for dementia, the person living with the disease is often left out in the cold. Technology, when delivered appropriately, can be a huge tool in...
	Age beautifully and gracefully to help stay healthy and happy Aging well is really all about being happy and healthy at each stage of life. No age is better than another and being young is no better than being old- each one has its charm. You are the creator of ...
	You may be able to stay in your house with home care assistance Home care is right choice for millions of Americans to help them stay in their homes for many years safely and comfortably. Often times this option is more cost efficient than skilled nursing homes fo...

Divorce and Separation Law

	The right way to separate Again, separation is more than taking a break from your marriage and living apart from your spouse.  It is an important time to plan and reflect on you and your family’s legal, financial, and emoti...
	What to do when "I do" turns into “I don’t”- A Divorce Guide A divorce involves one of the most emotionally trying times in your life. You should be as prepared as possible to act in your own best interests....
	Legal guidance for co-parenting a pet with your ex  Life has a way of throwing us curve balls and how we adjust to them can be the difference between a happy and not so happy life. No one heads into a marriage expecting to get divorced, but when it h...
	How to choose the right divorce attorney for your divorce When it comes to finding a divorce attorney, be thorough in your research. Take into account credentials as well as personal chemistry. Be clear on all the fees upfront. Make sure you are in agreement...
	Negotiating alimony during a divorce A woman in the midst of a divorce proceeding once said “Marriage is about love. Divorce is about money.” This is so true. Alimony is one of the key money matters that must be negotiated and settle...
	A parenting plan means more than trading weekends with your ex Co-parenting is more than simply co-scheduling. Children of divorced parents can and do thrive on the same consistent rules and constructive communication as children of married couples. Taking the ti...
	Divorcing and divorced dads succeed when they put the interests of the children first Most men and women do not realize that they put their children in the middle of their disputes. It’s not something done intentionally, but you need to remember that your anger is not your child’s ...
	Fathers will win child custody battles if the children are the priority in everyday life Being a good dad means both talking the talk and walking the walk. Everyone from the ex to the kids to the guardian to teachers, coaches, neighbors, doctors and shrinks is watching. Show them all what...
	Take precautions to ensure a quick and fair high net-worth divorce The issues facing high net worth divorcing families are often different from the issues faced by lower/middle income divorcing families. As such, they must be planned for and approached in a manner be...
	These child support basics will benefit you and your children The most important thing to remember is that child support is about the needs of the children. They need support in a number of ways, financially for sure, but also emotionally by not being made a lig...
	Men will prosper in a divorce by focusing on these practical solutions As in all things, if you get educated about what’s before you and go into it expecting the worst, the chances of it being worse than you expected are about even. Get a lawyer you can get along with,...
	Be realistic, reasonable and communicate for a successful divorce It is understandable that through divorce and separation many emotions will arise between both parties. However remember that the legal system is not a tool that you can use to gain revenge against th...
	Find hidden assets that your spouse has not declared during divorce Divorcing couples must know where all the assets are. Neither side has the right to hide money and every right to use all the means necessary to discover where the assets are and what their value is. ...
	Divorce mediators help you settle differences and save money Divorce mediation is one way to settle issues relating to your divorce. Before selecting this process, it is important that you fully understand what a mediator can and cannot do, that you obtain lega...
	Mediation can help you get what you want in divorce and save money Mediation is an effective, relatively inexpensive way to settle divorces. However, you have to be prepared, be in control of your emotions, and be realistic about the results. Good legal and financial...
	Know the difference between custody and shared parenting in divorce Shared parenting and custody are often confused terms. As you can see, they are separate concepts. Shared parenting is a likely outcome for a situation where you and your ex are no longer together. An...
	Parents considering divorce must protect themselves and kids Making the decision to hire an attorney to represent you, as opposed to choosing to represent yourself, may be one of the most important decisions you will ever make. This decision can have an impact ...
	A collaborative divorce avoids a court battle and reduces costs Collaborative divorce is an alternative to a drawn out court battle. The process might result in an easier transition for the parties and their children. But collaborative divorce is not for everyone....
	Choose the right divorce attorney to protect you and your family Divorce can be devastating, especially when children are involved. Picking an attorney you like and trust and who has experience and knowledge will make a difficult time of life better for all parties...
	How to get an annulment when there is misrepresentation or fraud Annulment is different from divorce, but still requires legal representation and a court case. Be sure your circumstances meet the requirements for an annulment, and not a divorce, before you proceed ...
	How to ensure your ex-spouse complies with the court's orders Judges generally do not take kindly to those who consistently flout their orders. However, because the possible penalties for violating a court order include incarceration, it is important that your e...

Estate Planning

	Planning your funeral service in advance gives you peace of mind Beginning the pre-planning process presents several choices to consider. A good start is by searching online for a funeral service that suits your needs. Simply making an appointment at a funeral home...
	Advice for selecting the right estate planner for your situation Like any other professional engagement, the biggest problem is often finding the one you are comfortable with and who possesses the skill and knowledge to address your situation properly. The list of ...
	Having a baby? Create an estate plan to protect your family Don’t feel that setting up an estate plan when preparing for a baby is one more burdensome item on your list. Embrace the moment but think about how you’ll want your spouse and new addition taken ...
	Create a well-designed estate plan for you and your family There are many shapes and sizes of estate plans, from basic to very complex. Finding the one that is right for you takes some thought and planning, but is not that difficult to do. Approach the proble...
	A well-rounded estate plan will help protect your family Compile and evaluate all of your assets and think about how you’d want them safeguarded after you’re gone. Think about how you’d like your spouse and kids cared for. Finally, consult with an att...
	Receive an inheritance recently? Here is expert financial advice Receiving an inheritance leaves most people feeling overwhelmed and confused. Figuring out how to manage it can be financially and emotionally draining on something that should be a real blessing. Pla...
	No family to pass your assets to? Advice for creating an estate plan An estate plan is a personal thing, so make sure your assets go where you would like them to after you’re gone. Trusting those who are put in charge of caring for those assets is important and you s...
	Plan your funeral service and ensure your wishes are fulfilled Funerals are meant to provide ceremony around the loss of a loved one, which will help those left behind to grieve. Grief is a complicated and difficult emotion, so helping families walk the path of g...
	Choose the right casket for your loved one when planning the funeral The purpose of a funeral is to celebrate a life well-lived. Choosing the right casket is just part of the funeral experience, but it can be one of the most overwhelming given the sheer number of optio...
	Advice for choosing a qualified estate planner Creating a legacy for your family is important. If you want a will or trust that will ensure that the wealth you have created is passed to the people you want, they way you want, with the least cost a...
	Save your family the time and stress of probate with your estate Taking the time to understand your options and to set up non-probate options such as revocable trusts, TOD accounts, or lifetime gifts can protect your privacy, simplify your estate administration, an...
	Create an estate plan that works for you and your beneficiaries Planning and creating a will is an important step in your life, and it is not one that should be taken lightly. However, it does not have to be daunting or depressing. It can be an assurance that your...
	Financial steps you must take immediately on the death of a spouse The next few months (and years) will be a transition period in many different areas, including your finances. Get organized and recruit professionals, family and friends to help. Tackle the time sensi...
	A new baby is good reason to review and update your estate plan These are a few general do’s and don’ts for a new parent to consider, but certainly not a complete list. Consult with experienced professionals for guidance in how to make the best plan possible. ...
	What every young mom needs to know about wills and estate planning So once you have completed your estate plan, give yourself kudos! You have done what so many people fail to do—even the rich and famous. As you begin to work on your estate plan, make sure that it i...

Budgeting

Retirement Planning

Buying Real Estate

Home Mortgages

Life Insurance

	Selecting term life insurance Life insurance is a product that has been helping to provide financial stability to families and their loved ones for decades, during challenging times of grieving and loss. This article has discussed...
	Selecting whole life insurance when you're newly married Whole life insurance can be the heart of a strong, full financial plan. Bought properly and structured appropriately, it can serve both the insured and their beneficiaries safely throughout their life...
	Selecting whole life insurance These guidelines will help in making one aware of a few aspects in selecting a whole life policy, but it is imperative that one seek proper financial counsel to ensure that one’s financial objective...
	How to use life insurance to protect assets This article is meant to be an introduction to the use of life insurance in a tactical and specific way. There are countless nuances in policy construction and features, as well as the individual need...
	Understanding your Canadian permanent insurance options
	Selecting Canada's Term-to-100 life insurance Term-to-100 Insurance is a very simple product, and is one of the more affordable types of Permanent Insurance available. Although it is simple, care and proper planning must still go into selecting t...
	Selecting Canada's whole life insurance Permanent cash value whole life insurance can be a complicated product, but as long as it is structured properly and the right fit exists within your personal situation, it can prove to be a great add...
	Selecting Canada's universal life insurance Everyone wants to protect and give their family financial security in case of an unforeseen disaster. Life insurance is one of the most convenient methods to achieve this goal. But, which life insuran...
	Shop online for term life insurance that is right for you Many people find life insurance too complex, and they put off the decision of buying a policy. Let’s face it, who wants to think about their death? However, life insurance is the cornerstone of any ...
	Protect your family in your 40's with right term life insurance Without adequate life insurance to protect your dependents, they will surely be left behind to fend for themselves while facing the burden of certain financial hardship. Term life insurance is the lea...
	Financially protect your family’s future with term life insurance While life insurance is not a glamorous purchase that you can show off, it provides money for your family to carry on without you when it is needed most. It means your spouse is not working day and ni...
	Between 20 and 25, protect your financial future and buy term life insurance Term life insurance is the right product for a short term protection need. It also gives you significant coverage when wealth and cash flow do not allow a permanent insurance solution. However, in the...
	Saving money is easy when you buy term life insurance in your 20s Make sure your life insurance policy has a “convertibility” feature to give you options down the road. Always purchase your term insurance with the “Waiver of Premium” rider in the event of a ...
	Buy term life insurance when you are young, married or have a baby The best time to purchase a term policy is right after you are married and have some assets and definitely after the birth of a child. In deciding the dollar amount and time period for the policy, you...
	How to get term life insurance with pre-existing health challenges As society lives longer, insurance companies have become more apt to approve people that have a pre-existing health condition. Work with an experienced agent that has experience in impaired risk life ...
	New parents: Understand whole life insurance before buying Regardless of the type of life insurance you want to buy, the most important factor to consider is how much life insurance your family will need if the primary income earner were to die unexpectedly. ...
	Read and understand the life insurance policy before you make a claim For most people the life insurance they own at death can be their single largest estate asset. Making certain that the proceeds are paid correctly and to whom you want is critical for the successful t...
	Advice on using permanent life insurance as an investment vehicle Permanent life insurance is a self-completing accumulation vehicle used by those who understand how it fits into their overall financial goals for a lifetime full of changes and milestones. The level ...
	Expert advice for getting a high risk life insurance policy If you are looking for a life insurance policy but pose a higher risk than a standard adult, you’ll need to take a few extra steps to ensure you get the best coverage at the best possible rates. It ...
	Options for life insurance when diagnosed with prostate cancer Applying for life insurance with prostate cancer takes patience, and it is important to be informed of what to expect when applying for life insurance coverage. Despite popular belief, affordable life...
	Learn the benefits of a No Medical Exam life insurance policy As life expectancies increase, life insurance companies are more likely to accept a policy from an applicant without having to undergo a health exam. When you work with an experienced life insurance b...

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