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Did You Know?

Making children smile with a new toy brings a lot of joy to parents and relatives during the holidays, on their birthdays and those “just because” occasions. Although toys are designed for play, not all of them are safe for children depending on their ages and developmental progression.

The U.S. Consumer Product Safety Commission requires toy manufacturers to meet specific safety standards and label products according to these specifications.

Here are...

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Did You Know?

According to the Centers for Disease Control and Prevention (CDC), this nasty habit kills over 480,000 people each year and this number continues to rise. With all the health risks associated with smoking, it’s important to extinguish your smoking habit for good! Here are some suggestions to get you started on your journey to being smoke-free.

  • Quitting has dramatic beneficial effects on your health within minutes.
  • After 20 Minutes: Blood...
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Did You Know?

Lower back pain is one of the most agonizing and common health conditions in the world, as well as a leading cause of disability. According to the American Chiropractic Association, 1 in 4 adults will experience lower back pain for at least one day during a three-month timespan.

Although lower back pain is common and usually goes away on its own, there are a number of treatments you can take to prevent or relieve your pain.

Until recently, one of the most...

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According to the American Heart Association, more than one in three women has a form of cardiovascular disease. And, heart disease is the leading cause of hospital stays for men in the United States. While there are risk factors that contribute to heart disease that you can’t control, there are many things you can do to maintain your heart health.

Check out the list of risk factors for heart disease that you can control below.

  • High blood pressure...
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Did You Know?

Life Insurance premiums are calculated after looking at an individual’s health risk factors, such as tobacco use, cholesterol level, obesity, diabetes and family history. Modifying controllable health and lifestyle factors will reduce your life insurance premium, in addition to making you healthier!

When applying for life insurance, you will be asked to provide information about your medical history and take a physical examination. If you are not completely...

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Did You Know?

Spending time outdoors is a wonderful way to bond with family and friends, and enjoy nature. Before you head out into the great outdoors, you need to be aware of a danger lurking not so deep in the woods—Lyme disease. This bacterial infection is contracted after coming in contact with a deer tick that has feasted off another infected animal.

There are three main stages of Lyme disease:

  • Early Localized Lyme Disease: A rash develops on the skin at the...
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The cost of life insurance relies on a number of factors, but none carry a greater weight than, well – your weight. Because underwriters see overweight or obese applicants as high-risk, many will deny requests for coverage or simply charge life insurance rates that are extremely high. Read on to learn more about why size matters.

Most insurance companies will judge how much body fat you’re carrying by calculating your body mass index (BMI).

  • By...
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Like many industries, the world of insurance has its own unique set of vocabulary to describe its products. To help you understand the information included in a life insurance policy, we’ve gathered some basic terms.

The Basics of Life Insurance Terms

A Helpful Glossary of Common Policy Types and Terms

Beneficiary: The person or party named by the owner of a life insurance policy to receive the policy benefit.

Cash value: The...

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If others depend on you for financial support, part of your financial plan should include how you will provide for them in the event of your death. To help you decide which option is the best for you, we’ve covered the basics.

The Basics of Life Insurance

If you are married, it’s important for both spouses to have a life insurance policy. If both people bring in an income, a death can be a difficult financial loss. Also, if a stay-at-home parent should pass away, expenses...

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