How insurers assess risk for different types of protection When you apply for life insurance it pays a benefit upon death while a living benefit product pays a benefit upon a disability or illness. The insurance company’s analysis of your risk, and its impact on the insurance premium you pay, depends on the type of […]

The first thing you should do is … nothing. Then get yourself a financial adviser COVID-19 has accelerated a lot of things, including, unfortunately, divorce. Couples who once thought they would be sailing into retirement together are splitting up, leaving a raft of boomer-aged women, many of whom relied on their husbands to run the […]

1. Spend less than you earn Rule number one of avoiding excessive debt and always having enough is to spend less than you earn. To make this your reality, create a household budget. Take a look at where your income goes every month. Identify any places where you could spend less and save more. One […]