Great Ways to Show Your LOVE

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Posted on 30th January 2013 by Rita in NCL News & Events

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It’s almost here… Valentine’s Day!

For some people this is another dreaded day that has been commercialized and tries to guilt you into showing your affection in extravagant and expensive ways. I get it… either you embrace the day or bah-humbug it all together. 

Personally, I believe Valentine’s Day is a great (more…)

Christmas Giving, Love and Laughter

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Posted on 21st December 2012 by Rita in NCL News & Events

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merry Christmas

During the giving season, I love hearing about all the wonderful Spirit of Giving stories. This time of year is so hard on many of us that it takes some extra oomph to get through the season. For me hearing about (more…)

What is Life Insurance – Defined

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Posted on 16th August 2012 by Rita in Life Insurance

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Insurance that guarantees a sum of money to be paid out on the death of the insured or after a set period of time.

Life Insurance is a contract between an insurance policyholder and an insurer (company). The insurer promises to pay a sum of money typically to the beneficiary, upon the insured’s death.

The essential goal of life insurance is to provide (more…)

Do You Need a Beneficiary Review?

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Posted on 18th July 2012 by Rita in Retirement and Estate Planning

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Who will receive your assets at the time of your death? We’re talking life insurance, annuities, retirement plan accounts and other assets. Did you know that contracts left to deceased individuals or ex-spouses is one of the most common beneficiary mistakes made? Another important note is beneficiary designations trump a will.

Reviewing the beneficiaries on your contracts is your assurance that many of your assets will be (more…)

Do single people need life insurance?

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Posted on 28th June 2012 by Rita in Life Insurance

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singlegirlemployed

Single people with no children don’t have anyone who is relying on their income, therefore it seems logical to think you do not need life insurance. Here are a few life examples in which Life Insurance is a benefit for those who are single…

  • If you financially provide support for parents, siblings, or loved ones, you may want to consider having a policy in place for their care and support when you are no long here to provide for them.

  • Do you have substantial debt, or perhaps you’re a joint debtor with your sister/brother on a mortgage? This person would be responsible for (more…)