Driveway Safety: How to Protect Your Kids from Backover Accidents

Driveway Safety

Many kids die every year in backover accidents near or on the driveways at their home. Tragically, a parent (or any other adult member of the victim's family) is behind the wheels when the fatal accidents happen. When kids are playing or standing too close to a parked car, they're often dangerously out of the driver's view while they are reversing. Due to the frequency of such non-traffic accidents involving pedestrians, car safety equipment meant to eliminate backup blind spots has become very Read More

Guide to Promote Safe Teen Driving Habits

Teen Driving Guide

Research has shown that teenage drivers are three times more likely than adults to be involved in car accidents per mileage. The risk is higher within the first few months of acquiring his or her license. Here is a driving guide for parents or guardians to help teen drivers stay safe. These guidelines are best followed even before the teen attains the legal driving age to sufficiently prepare them for responsible driving. Set an Example18 As a parent or guardian to a teenager, it is your Read More

Essential Things to Consider Before Changing Your Home Insurance

Change Your Home Insurance

You may decide to change your homeowners insurance for reasons that are best known to you. However, it may seem difficult to make an easy transition. You may incur a penalty or fee if you change it before the policy expires. It is often easier to make the change after your policy expires. Here are some things to consider before changing your homeowners insurance. What are the terms and conditions of the policy? Insurance policies always have terms and conditions for the agreement between Read More

The Benefits of Having Health Insurance for Your Children

Health Insurance for Children

Having a separate health insurance policy for your children is the best way to ensure they will always have the amount of coverage they need. Many policies purchased through employers are sufficient but may fall short if your child has a chronic health condition or other issues that require more in-depth care. It's important to have a policy that protects all of their needs. Chronic Health Conditions Chronic health conditions like cystic fibrosis, allergies, asthma, and diabetes require Read More

Why Does a Universal Life Insurance Policy Expire?

Your term life policy is expiring

In the 1980s and 1990s, insurance companies came up with a hybrid life insurance policy called a Universal Policy. These policies offered the benefits of both term and whole life policies with one primary difference. They were not guaranteed to payout. When these policies were written, the instructions on how they worked were extremely vague. Now, many of the policies are starting to expire, and people wonder why. How Universal Life Insurance Policies Work Universal insurance policies were Read More

Ways to Keep Your Home Warm Without Big Energy Bills This Winter

winter home concept

With outside temperatures dropping quickly as we enter the cool months of the year, you may be wondering how to keep your property warm. While the easy solution is to turn on the heading full blast and stay inside where it’s cozy, we may be questioning our actions when the bills come through the next month. To help you stay warm this winter without draining your wallet, here are some tips to follow. Draught-proof all windows and exterior doors. Draught-proofing is crucial if you want to Read More

What New Parents Must Know About Life Insurance

life insurance for parents

Many people look at life insurance as a luxury they can't afford. New parents are always looking for ways to provide their children with the things they will need to live comfortably, even if they aren't around. The best way to do that is to purchase a life insurance policy that will protect their financial future. The right type of life insurance will do more than just provide your children with basic needs. Take Care of Your Children's Needs If something were to happen to you, the death Read More