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Life Stages

Divorced

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Parent Category: Personal
Category: Life Stages

Since nearly half of all marriages fail, divorce is unfortunately very real for many people. Couples face the difficult task of separating emotionally and financially. This has insurance implications as well. Legal and financial advice will be critical, particularly if there are children involved. Divorce can have a serious impact on one's credit standing, both in terms of dividing joint debt that exists at the time of divorce and expenses that come with starting over. Paying close attention to existing obligations and monitoring credit reports at this time is critically important.

Domestic Partners

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Parent Category: Personal
Category: Life Stages

Since insurance and domestic partnership laws are different in each state, it's best to consult with a financial advisor or lawyer who is familiar with laws affecting domestic partnerships in your state.

Senior Years

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Parent Category: Personal
Category: Life Stages

By the time you retire, your accumulated wealth is probably at its height. The challenge now is to manage your assets so that they last as long as you do. Insurance still plays an important role at this stage of your life.

Raising Children

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Parent Category: Personal
Category: Life Stages

Children are the future. We need to plan for their future and we need to protect it. As the saying goes, it will be here before we know it. A family's insurance and financial needs will grow and change over time as we take steps to manage our finances; and protect our property and lifestyle against significant changes in our life or health.

Students

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Parent Category: Personal
Category: Life Stages

When a teenager gets a license, it's probably the first time he or she focuses on insurance. And as young people graduate from high school and head off to college or enter the working world, there are lots of insurance matters for young people out on their own for the first time to think about.

Employment Change

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Parent Category: Personal
Category: Life Stages

Many people obtain certain kinds of insurance through their employment, particularly health and disability coverage. Larger businesses may also offer retirement benefits, such as a 401(k) account. When changing jobs, rearranging coverage and finding out which accounts are portable becomes very important. A new job can also mean a change in lifestyle, which can also have an impact on insurance.

Married

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Parent Category: Personal
Category: Life Stages

The joining together of two lives is joyous. It's also nerve-wracking. There are a number of adjustments couples have to make when thinking and planning for two. They may need financial protection they haven't worried about before, because spouses now depend on each other for support. In merging two households and perhaps two careers, there are choices that couples may need to make as to which spouse has the best existing insurance coverage.

Single

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Parent Category: Personal
Category: Life Stages

You are part of the work force and out on your own. Establishing a solid financial foundation should be a priority, including insurance in the mix. It's important to understand what affects the cost and availability of insurance. If you have accidents, insurance will increase in cost. Financial instability, getting smothered by credit card debt, is frequently a predictor of future insurance losses. As a result, an insurance company may see additional risk, making it more difficult to get coverage at the best possible price. Conversely, if we take care of ourselves and protect what we own, insurers will see good insurance risks and are more likely to compete for your business.