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Protecting Yourself at the Gas Pump
While much of the focus on increased security for plastic cards has been at point-of-sale terminals and ATMs with their respective EMV liability shifts, vulnerabilities with gas pumps will be a reality until October 2017. In the last few years, gas pumps have been a favorite target for fraudsters to place skimming devices. In fact, […]
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Member Fraud Awareness
Many people think they can spot and outwit a scam, but the truth is that scams become more savvy and sophisticated every year. You may not be able to keep up with every new scheme, but there are red flags for every type of potential fraud. Knowing some basics and being vigilant can keep you […]
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What is a living trust?
A trust is an arrangement where one person, called a trustee, holds legal title to property for another person, called a beneficiary. A “living trust” is a trust you create while you’re alive. You can be the trustee of your own living trust, keeping full control over all property held in trust. The major advantage […]
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What things should I keep in mind when buying an insurance policy?
Here are a few tips to keep in mind about your life insurance purchase: Take your time. On one hand, don’t put off an important decision that would provide protection for your family. Make sure you fully understand any policy you are considering and that you are comfortable with the company, agent and product. When […]
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What are the different types of life insurance available?
There are many kinds of insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of the term, which […]
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What are the types of permanent insurance that are available — whole life and ordinary life?
Whole Life or ordinary life is the most common type of permanent insurance. The premiums generally remain constant over the life of the policy and must be paid periodically in the amount indicated in the policy. Universal life or adjustable life allows you, after your initial payment, to pay premiums at any time, in virtually […]
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How much life insurance will I need to purchase?
While there’s no substitute for evaluating your individual needs, one rule of thumb is to buy life insurance equal to five to seven times your annual gross income. To evaluate your individual needs you need to determine what costs you would like to ensure are covered if you die. Considerations include your mortgage payments, kids’ […]
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Where do I begin with life insurance?
Start by evaluating your family’s needs. Gather all your personal financial information and estimate what your family will need after you’re gone. Include ongoing expenses (such as day care, tuition or retirement) and immediate expenses at the time of death (like medical bills, burial costs, and estate taxes). Your family also may need funds to […]
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What’s important to know about life insurance?
Choosing a life insurance product is an important decision, but it can be complicated. As with any major purchase, it is important that you understand your needs and the options available to you. The main purpose of life insurance is to provide cash to your family after you die. The money your dependents will receive […]
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