Children's Education

Whole Life Insurance Whole life insurance , also referred to as ordinary life insurance, has a storied history and offers some amazing benefits. Unfortunately, it has received a bad rap over the last two decades primarily due to some misunderstandings or outright “half-truths” told by so called financial experts, who would rather you stick your money into mutual funds. The common mantra of buy term and invest the rest originated with the founder of Primerica , who used this slogan to become the #1 seller of life insurance. But one trend to consider is that more than ever people are retiring with little to no savings. Whole life insurance acts as a forced savings account. Perhaps this advice has caused more harm than good? And while it may be a good idea for some to buy  cheap term life insurance , whole life insurance is an awesome way to diversify and provide some fantastic guarantees not found with other investment vehicles. The product is non-correlated, which mea...

Pros of Permanent Life Insurance The primary pros of permanent life insurance are the death benefit and cash value growth. Rather than expire upon a specified term, your death benefit will be there when you need it most: upon death. Further, in a properly designed permanent life insurance policy the death benefit can grow over your lifetime. This is something to consider. Suppose you secured a $100,000 whole life policy today. But over time your policy’s death benefit will grow as your cash value grows. That way, the older you get, the more valuable your policy becomes. It is also a good hedge against inflation, as today’s dollar will be worth significantly less in the years to come. Further, with an ever increasing death benefit fueled with  paid up additions  you have the freedom to spend down other assets, take out a reverse mortgage, etc. without fear of denying your kids an inheritance. Your death benefit can be used to pay off the reverse mortgage or repl...

How to Find the “Best” Life Insurance Policy Just to be clear, there is no one “best” life insurance policy because there is no ideal one-size-fits-all life insurance. Each individual life insurance plan should be tailored to the person and the beneficiaries. A life insurance policy should be focused on using the most appropriate type of life insurance for the insured, looking at factors including coverage and life insurance premiums. That’s why TermLife2Go looks at multiple factors and insurers across the board. Continue reading or give us a call today for a free life insurance consultation. When you’re thinking about all the different types of life insurance available, you should also consider the company you will ultimately apply with. We focus on the niche underwriting offered by each of the companies we work with. For example, finding  diabetic life insurance requires that you apply with the more diabetes-friendly companies. Failure to d...

The first authoritative and full-featured English dictionary, the Dictionary of the English Language, was published by Samuel Johnson in 1755. To a high degree, the dictionary standardized both English spelling and word usage. Meanwhile, grammar texts by Lowth, Murray, Priestly, and others attempted to prescribe standard usage even further. Early Modern English and Late Modern English, also called Present-Day English (PDE), differ essentially in vocabulary. Late Modern English has many more words, arising from the Industrial Revolution and technologies that created a need for new words, as well as international development of the language. The British Empire at its height covered one quarter of the Earth's land surface, and the English language adopted foreign words from many countries. British English and North American English, the two major varieties of the language, are together spoken by 400 million people. The total number of English speakers worldwide may exceed one billion...

English is a West Germanic language that was first spoken in early medieval England and is now a global lingua franca. Named after the Angles, one of the Germanic tribes that migrated to the area of Britain that would later take their name, England, both names ultimately deriving from the Anglia peninsula in the Baltic Sea. It is closely related to the Frisian languages, but its vocabulary has been significantly influenced by other Germanic languages, particularly Norse (a North Germanic language), as well as by Latin and French English has developed over the course of more than 1,400 years. The earliest forms of English, a set of Anglo-Frisian dialects brought to Great Britain by Anglo-Saxon settlers in the 5th century, are called Old English. Middle English began in the late 11th century with the Norman conquest of England and was a period in which the language was influenced by French.Early Modern English began in the late 15th century with the introduction of the printing press to...

Google LLC is an American multinational technology company that specializes in Internet-related services and products, which include online advertising technologies, search engine, cloud computing, software, and hardware. Google was founded in 1998 by Larry Page and Sergey Brin while they were Ph.D. students at Stanford University in California. Together they own about 14 percent of its shares and control 56 percent of the stockholder voting power through supervoting stock. They incorporated Google as a privately held company on September 4, 1998. An initial public offering (IPO) took place on August 19, 2004, and Google moved to its headquarters in Mountain View, California, nicknamed the Googleplex. In August 2015, Google announced plans to reorganize its various interests as a conglomerate called Alphabet Inc. Google is Alphabet's leading subsidiary and will continue to be the umbrella company for Alphabet's Internet interests. Sundar Pichai was appointed CEO of Google, repl...