Bestow Review: Term Life Insurance in Minutes

  If you've ever gone through the traditional route for finding life insurance, you know the headaches built into the process. Things like high-pressure sales, struggling to compare apples to apples among products, a mandatory physical exam, and excessive paperwork. Online life insurance brokers have made it easier to shop for quotes, compare rates, and avoid hard-selling insurance agents. But they haven't been able to … [Read more...]

Christian Healthcare Ministries Review: Save Thousands Per Year on Healthcare

Christian Healthcare Ministries is a healthcare sharing ministry in which members can share medical costs while staying faithful to Christian beliefs and biblical principles. Although companies such as CHM have been around for decades, these companies are less-known because traditional health insurance is standard in the United States. Here are the joining requirements for Christian Healthcare Ministries, monthly cost and coverage … [Read more...]

Liberty HealthShare vs MediShare: Which One is Better for You?

  With the explosion in the cost of health insurance in the past few years, Christian health sharing ministries are becoming increasingly popular. Two of the most popular are Liberty HealthShare and MediShare. Which is the better of the two? It really comes down to your personal circumstances, and the specific types of coverage that will work best for you and your family. In general, Liberty is better for monthly costs … [Read more...]

Save Money on Healthcare Without Using Obamacare [Our 2019 Liberty HealthShare Review]

Editor's Note: We've received a large number of negative comments about Liberty Healthshare. If you're looking for another option, we recommend Medishare. Read our review of Medishare. Stratospheric health insurance premiums have become practically cliche in recent years. So much so, that even eight years into the rollout of Obamacare, millions of Americans continue to go without health insurance. If you can get health insurance … [Read more...]

Protect Your Family and Enter to Win $50,000 with USAA Life Insurance

This post is brought to you by USAA. While this is a sponsored post, all content and opinions expressed here are my own. Life insurance can get a bit of a bad rap. It can feel like a major downer to think about the possibility of dying and leaving your family financially unprepared. Then there is the stereotype of hard-selling insurance agents (like Ned Ryerson who tries so hard to sell Bill Murray a policy in Groundhog … [Read more...]

A Low-Cost Alternative to Health Insurance [Medi-Share Review]

  Joining the Christian medical expense sharing community, Medi-Share, for around $300/month has been a fantastic financial move for my family. Prior to joining this healthcare expense-sharing community, I was paying $1,100 per month for a health insurance plan with Humana! Medi-Share is not insurance (nor is it charity as you'll see). But it's a great alternative for some, and it does count as coverage in regards to the … [Read more...]

Why Laddering Your Life Insurance Policy Over Time Makes Good Financial Sense

Editor's note: Hey, this is PT. You know I'm a huge fan of term life insurance for those young and married with kids like me. These days it's easier than ever to get signed up for life insurance and protect your family. Do it! Of course, I'm also a fan of self-insuring as much as possible and we're happily heading that direction - getting rid of debt and saving up for our retirement. But I've often thought about changing my life insurance strategy mid-stream - … [Read more...]

The Best Online Term Life Insurance Companies [for Free Quotes in 2019]

  It can hardly be a coincidence that no language on Earth has ever produced the phrase “as fun and exciting as shopping for life insurance.” That’s because insurance shopping is traditionally a frustrating endeavor. For one thing, no one wants to think about their own mortality, which makes life insurance shopping something of a bummer from the get-go. Then the difficulty of comparing apples to apples among products and … [Read more...]

HSA vs FSA: Which is Better? [Comparison Chart Included]

Here's the thing: In light of past health care discussions on my blog and the fact that benefit re-enrollment period is up us, I thought I'd address a couple of tax-advantaged medical savings accounts: the Health Savings Account and the Flexible Spending Account. Ready for a HSA vs FSA showdown? Strap in! Who am I to offer up this comparison? Well, I used a Flexible Spending Account for some time when I was employed and had a nice group health … [Read more...]

9 Critical Reasons You Need a Will (Get One Started Now!)

I have been thinking about wills a great deal lately. My husband recently accepted a job in another state, and we took this major life upheaval as a reminder that we should update our will. We had not updated the will to include our second child after he was born, nor appointed a new executor after my father, who was our original executor, passed away in 2013. Coincidentally, our appointment with the lawyer fell on the same day the news broke that legendary … [Read more...]

Take the Frustration Out of Insurance Shopping with Policygenius

In the five years that I have been writing about personal finance, I have done quite a bit of research on life insurance and other insurance products. In that time, I’ve concluded that I’d rather do pretty much anything—including cleaning the Indianapolis Motor Speedway with a toothbrush—than shop around for insurance. If you have ever bought an insurance product, you can understand my attitude. Between the difficulty of comparing apples to apples among products … [Read more...]

Here’s Why You Need Travel Insurance

Planning a vacation is supposed to be fun, which means many travelers neglect to consider travel insurance. After all, why would you spend your time thinking about the possibility of travel mishaps when you could be selecting itineraries, mapping out walking tours, or deciding which tropical drinks you’ll be enjoying on the beach? But just like any other plans, vacations can go seriously awry, leaving you with a stressful situation rather than a relaxing respite. If … [Read more...]