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INSERT INTO `wpfi_posts` VALUES (3,1,'2023-02-27 11:09:48','2023-02-27 11:09:48','[et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"200.8px\" custom_margin=\"-14px||-77px|||\" custom_padding=\"66px|||||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" custom_padding=\"||66px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_text_divider header=\"Our Privacy Policy\" divider_style=\"dotted\" divider_weight=\"3px\" _builder_version=\"4.20.2\" _module_preset=\"default\" header_level=\"h2\" header_text_align=\"center\" header_text_color=\"#000000\" header_font_size=\"30px\" global_colors_info=\"{}\"][/dsm_text_divider][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.16\" custom_margin=\"-10px|||||\" custom_padding=\"0px|||||\" global_colors_info=\"{}\"][et_pb_row admin_label=\"row\" _builder_version=\"4.16\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.16\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" global_colors_info=\"{}\"]<!-- wp:heading -->\r\n<h2>Who we are</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Our website address is: <a href=\"https://www.jsuttonfinancial.com/\" target=\"_blank\" rel=\"noopener\">https://www.jsuttonfinancial.com/</a>.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Comments</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>When visitors leave comments on the site, we collect the data shown in the comments form and the visitor’s IP address and browser user agent string to help spam detection.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Media</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Cookies</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select \"Remember Me,\" your login will persist for two weeks. If you log out of your account, the login cookies will be removed.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Embedded content from other websites</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Who we share your data with</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you request a password reset, your IP address will be included in the reset email.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>How long we retain your data</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>What rights you have over your data</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Where your data is sent</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Visitor comments may be checked through an automated spam detection service.</p>\r\n<!-- /wp:paragraph -->[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Privacy Policy','','publish','closed','open','','privacy-policy','','','2023-04-02 18:59:06','2023-04-02 18:59:06','',0,'http://cmdev-site1.com/?page_id=3',0,'page','',0),(6,1,'2023-02-28 12:58:30','2023-02-28 12:58:30','{\"version\": 2, \"isGlobalStylesUserThemeJSON\": true }','Custom Styles','','publish','closed','closed','','wp-global-styles-divi','','','2023-02-28 12:58:30','2023-02-28 12:58:30','',0,'http://cmdev-site1.com/2023/02/28/wp-global-styles-divi/',0,'wp_global_styles','',0),(10,1,'2023-02-28 13:13:33','2023-02-28 13:13:33','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" _module_preset=\"bfc539b2-ac54-4571-be42-6a549fd9d36c\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Header-New-3-22-2023-Color-Adjusted-USE-scaled.jpg\" custom_margin=\"||9px|||\" custom_padding=\"23px|||||\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_menu active_link_color=\"#3f3f3f\" _builder_version=\"4.20.2\" _module_preset=\"default\" menu_text_color=\"#000000\" menu_font_size=\"18px\" background_enable_color=\"off\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][/et_pb_menu][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][dsm_typing_effect before_typing_effect=\"J. Sutton Financial\" typing_effect=\", an Independent Agency for American Income Life Insurance Company  \" before_new_line=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" header_text_color=\"#FFFFFF\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][/dsm_typing_effect][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" text_font_size=\"18px\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p>J. Sutton Financial is headquartered in Houston, TX and serves multiple communities across the state.</p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][dsm_button button_one_text=\"Learn More\" button_one_lightbox_close_color=\"#FFFFFF\" button_two_text=\"Work for Us\" button_two_lightbox_close_color=\"#FFFFFF\" button_alignment=\"center\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_button_one=\"on\" button_one_text_color=\"#000000\" button_one_bg_color=\"#ffffff\" button_one_border_width=\"0px\" button_one_border_color=\"RGBA(255,255,255,0)\" button_one_border_radius=\"14px\" custom_button_two=\"on\" button_two_text_color=\"#000000\" button_two_bg_color=\"#ffffff\" button_two_border_width=\"0px\" 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19:51:28','',0,'http://cmdev-site1.com/et_body_layout/theme-builder-layout/',0,'et_body_layout','',0),(14,1,'2023-02-28 13:16:56','2023-02-28 13:16:56','[et_pb_section fb_built=\"1\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" column_structure=\"1_2,1_2\" theme_builder_area=\"post_content\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"1_2\" theme_builder_area=\"post_content\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Justin-Sutton-rev-1_black_on_transparent_high-res-1.png\" _builder_version=\"4.20.2\" _module_preset=\"default\" theme_builder_area=\"post_content\" title_text=\"Justin-Sutton-rev-1_black_on_transparent_high-res (1)\" hover_enabled=\"0\" sticky_enabled=\"0\"][/et_pb_image][/et_pb_column][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"1_2\" 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13:30:26','2023-02-28 13:30:26','',0,'http://cmdev-site1.com/et_theme_builder/theme-builder/',0,'et_theme_builder','',0),(25,1,'2023-02-28 13:30:26','2023-02-28 13:30:26','','Default Website Template','','publish','closed','closed','','default-website-template-2','','','2023-02-28 13:30:26','2023-02-28 13:30:26','',0,'http://cmdev-site1.com/et_template/default-website-template-2/',0,'et_template','',0),(26,1,'2023-02-28 13:54:08','2023-02-28 13:54:08','[et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_color=\"#666666\" custom_padding=\"||17px|||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" header_2_text_color=\"#FFFFFF\" header_2_font_size=\"50px\" global_colors_info=\"{}\"]<h2>Products &amp; Services</h2>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_3,2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_padding=\"66px||66px|||\" global_colors_info=\"{}\"][et_pb_column type=\"1_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_perspective_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Shaking-Hands-Icon-No-Background-Hex-666666-scaled.jpg\" alt=\"handshake icon\" _builder_version=\"4.20.4\" _module_preset=\"default\" width=\"70%\" width_tablet=\"50%\" width_phone=\"50%\" width_last_edited=\"on|phone\" module_alignment=\"right\" custom_margin=\"||||false|false\" custom_padding=\"20px|||||\" animation_style=\"flip\" animation_direction=\"right\" hover_enabled=\"0\" module_alignment_tablet=\"center\" module_alignment_phone=\"center\" module_alignment_last_edited=\"on|desktop\" global_colors_info=\"{}\" sticky_enabled=\"0\"][/dsm_perspective_image][/et_pb_column][et_pb_column type=\"2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#000000\" header_text_color=\"#003372\" header_2_text_color=\"#003372\" custom_margin=\"48px|||||\" global_colors_info=\"{}\"]<h2 style=\"text-align: center;\">Our Promise To You</h2>\n<p>At J. Sutton Financial, our insurance products and services are backed by a promise.</p>\n<p>A Promise of: Financial security and protection for our clients. Commitment and fairness to our agents. Respect and opportunity for our employees. We are committed to bringing a quality product to market while providing the best service at the lowest possible cost.</p>\n<p>&nbsp;</p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_perspective_image _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/dsm_perspective_image][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/About-American-Life-Insurance-Muted-scaled.jpg\" parallax=\"on\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_3,2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_padding=\"66px||66px|||\" global_colors_info=\"{}\"][et_pb_column type=\"1_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" header_2_text_align=\"center\" header_2_text_color=\"#FFFFFF\" min_height=\"8px\" custom_margin=\"32px|||||\" global_colors_info=\"{}\"]<h2>About American Income Life Insurance Company</h2>[/et_pb_text][/et_pb_column][et_pb_column type=\"2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" global_colors_info=\"{}\"]<p>American Income Life is an international company protecting working families in the United States, Canada, New Zealand, and through their wholly-owned subsidary, National Income Life Insurance Company in New York. American Income Life has served working class families since 1951 with life, accident, and supplemental health products to help protect members of labor unions, credit unions, associations, and their families. AIL representatives develop long-term relationships with clients and meet them where they are most comfortable...their home.</p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"66px|auto|66px|auto||\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" header_2_text_align=\"center\" header_2_text_color=\"#003372\" global_colors_info=\"{}\"]<h2>American Income Life at a Glance</h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#2b2b2b\" custom_padding=\"29px||0px|||\" global_colors_info=\"{}\"]<ul>\n<li>Headquartered in Waco, Texas</li>\n<li>Life, accident, and supplemental health insurance</li>\n<li>Portable insurance coverage — if you move or change jobs, our insurance coverage stays with you</li>\n<li>Individual, single parent, and family policies available</li>\n</ul>[/et_pb_text][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" header_2_text_align=\"center\" header_2_text_color=\"#003372\" global_colors_info=\"{}\"]<h2>American Income Life\'s Parent Company</h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#2b2b2b\" global_colors_info=\"{}\"]<p>American Income Life is a wholly-owned subsidiary of Globe Life Inc (NYSE: GL), an S&amp;P 500 Company that markets life and supplemental health insurance for middle-income families through its affiliate companies.</p>\n<p>Globe Life is proudly the official life insurance company of the Dallas Cowboys &amp; 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custom_margin=\"-50px||||false|false\" custom_padding=\"10px||||false|false\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<p>[gravityform id=\"1\" title=\"false\" description=\"false\" ajax=\"true\"]</p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Insurance Quote','','publish','closed','closed','','insurance-quote','','','2023-04-03 23:56:12','2023-04-03 23:56:12','',0,'http://cmdev-site1.com/?page_id=225',0,'page','',0),(33,1,'2023-02-28 13:53:19','2023-02-28 13:53:19','<div id=\"comp-l7tp3rv01\" class=\"KcpHeO tz5f0K comp-l7tp3rv01 wixui-text\" data-testid=\"richTextElement\">\r\n<h3 class=\"font_5\" style=\"text-align: center;\">Get to Know Us</h3>\r\n</div>\r\n<div id=\"comp-l7tp3rv4\" class=\"KcpHeO tz5f0K comp-l7tp3rv4 wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_7\" style=\"text-align: center;\">J. Sutton Financial was founded in 2022 with a vision to extend career opportunities beyond its home city.</p>\r\n<p class=\"font_7\" style=\"text-align: center;\">We service clients and work as a team</p>\r\n<p class=\"font_7\" style=\"text-align: center;\">at our home office in Houston as well as 100% remote. This allows us to have an incredible office culture and service more clients with an agent reach from coast-to-coast.</p>\r\n\r\n<h3 class=\"font_5\" style=\"text-align: center;\">Partners</h3>\r\n<div id=\"comp-l6v9yz79\" class=\"BaOVQ8 tz5f0K comp-l6v9yz79 wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_8\" style=\"text-align: center;\"><strong><span class=\"color_15\">Trusted and Endorsed</span></strong></p>\r\n\r\n</div>\r\n<div id=\"comp-l6v9yz791\" class=\"KcpHeO tz5f0K comp-l6v9yz791 wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_9\" style=\"text-align: center;\"><span class=\"color_15\">J. Sutton Financial believes in delivering a wonderful experience, enterprise professionalism, and real results. Step one to our success has always been putting our clients first. We\'re always looking to grow with the right people. Take a look below to learn more about our partners and how you, too, can join our incredible team!</span></p>\r\n\r\n</div>\r\n&nbsp;\r\n\r\n</div>\r\n<div id=\"comp-l7tp3rv4\" class=\"KcpHeO tz5f0K comp-l7tp3rv4 wixui-text\" data-testid=\"richTextElement\">\r\n\r\n<img class=\"aligncenter size-medium wp-image-29\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/justinsuttonheadshotsmall-Black-White-300x284.png\" alt=\"\" width=\"300\" height=\"284\" />\r\n<div id=\"comp-l6v9yz7a\" class=\"KcpHeO tz5f0K comp-l6v9yz7a wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Justin Sutton</strong>\r\n</span>Owner/Founder</p>\r\n\r\n</div>\r\n<div id=\"comp-l6v9yz7a1\" class=\"KcpHeO tz5f0K comp-l6v9yz7a1 wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Justin has worked in the financial services industry for over 8 years. In 2016 the Giddens Nation was formed, where Justin worked alongside brothers Ryan and Stephen, running a satellite office in Waco, TX, and eventually becoming the Senior Regional Director of the Giddens-Giddens Agency. In 2022 Justin formed J. Sutton Financial to extend the reach of the Giddens-Giddens agency into the 100% remote hemisphere of the Fin</span><span class=\"color_15\">ancial Services Industry.</span></p>\r\n&nbsp;\r\n\r\n</div>\r\n<img class=\"aligncenter size-medium wp-image-30\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/sethheadshot-Black-White-273x300.png\" alt=\"\" width=\"273\" height=\"300\" />\r\n\r\n</div>\r\n<div id=\"comp-l6v9yz7b2\" class=\"KcpHeO tz5f0K comp-l6v9yz7b2 wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Seth Ordeneaux</strong>\r\n</span>Managing Director</p>\r\n\r\n</div>\r\n<div id=\"comp-l6v9yz7c\" class=\"KcpHeO tz5f0K comp-l6v9yz7c wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Since Starting with the company in April 2020, Seth has had the opportunity to learn from and develop some of the top leaders in our company. His ability to build relationships with his clients and colleagues has led him to become one of the Top managers in our industry, with several notable accomplishments from top representative to top manager in a very short amount of time.</span></p>\r\n&nbsp;\r\n\r\n</div>\r\n<img class=\"aligncenter size-medium wp-image-31\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/F588F955-17B7-46C3-AE39-F6F2077500AE_edited_edited-Black-White-300x292.png\" alt=\"\" width=\"300\" height=\"292\" />\r\n<div id=\"comp-l6v9yz7d\" class=\"KcpHeO tz5f0K comp-l6v9yz7d wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Matthew Sutton</strong>\r\n</span>Managing Director</p>\r\n\r\n</div>\r\n<div id=\"comp-l6v9yz7d1\" class=\"KcpHeO tz5f0K comp-l6v9yz7d1 wixui-text\" data-testid=\"richTextElement\">\r\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Matthew\'s career has been nothing short of incredible. With just 5 years in the financial services industry, Matthew has accomplished achievement after achievement. In recent years he has won two separate contests (March Madness/Battle of the Nation), and if that wasn\'t enough, he also leads one of the most powerful teams in our industry.</span></p>\r\n&nbsp;\r\n\r\n<img class=\"aligncenter size-medium wp-image-32\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/322630_f5d4b3c18c504cd7a2cadd94a2a0cf51_mv2-Black-White-300x293.png\" alt=\"\" width=\"300\" height=\"293\" />\r\n<p style=\"text-align: center;\"><strong>Andres Cano</strong>\r\nManaging Director</p>\r\n<p style=\"text-align: center;\">Andres\' career with J. Sutton Financial started in the middle of the pandemic. As a recent college graduate from the University of Texas at El Paso, Andres found an opportunity to excel within a troubling job market at J. Sutton Financial. Andres is currently working with his team on the expansion of our Latino Division.</p>\r\n\r\n\r\n<hr />\r\n\r\n\r\n\r\n<hr />\r\n\r\n&nbsp;\r\n\r\n</div>','Our Story','','inherit','closed','closed','','26-revision-v1','','','2023-02-28 13:53:19','2023-02-28 13:53:19','',26,'http://cmdev-site1.com/?p=33',0,'revision','',0),(50,1,'2023-02-28 16:26:44','2023-02-28 16:26:44','<div id=\"comp-l7tp3rv01\" class=\"KcpHeO tz5f0K comp-l7tp3rv01 wixui-text\" data-testid=\"richTextElement\">\n<h2 class=\"font_5\" style=\"text-align: center;\">Get to Know Us</h2>\n</div>\n<div id=\"comp-l7tp3rv4\" class=\"KcpHeO tz5f0K comp-l7tp3rv4 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_7\" style=\"text-align: center;\">J. Sutton Financial was founded in 2022 with a vision to extend career opportunities beyond its home city.</p>\n<p class=\"font_7\" style=\"text-align: center;\">We service clients and work as a team</p>\n<p class=\"font_7\" style=\"text-align: center;\">at our home office in Houston as well as 100% remote. This allows us to have an incredible office culture and service more clients with an agent reach from coast-to-coast.</p>\n\n<h2 class=\"font_5\" style=\"text-align: center;\">Partners</h2>\n<div id=\"comp-l6v9yz79\" class=\"BaOVQ8 tz5f0K comp-l6v9yz79 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><em><strong><span class=\"color_15\">Trusted and Endorsed</span></strong></em></p>\n\n</div>\n<div id=\"comp-l6v9yz791\" class=\"KcpHeO tz5f0K comp-l6v9yz791 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_9\" style=\"text-align: center;\"><span class=\"color_15\">J. Sutton Financial believes in delivering a wonderful experience, enterprise professionalism, and real results. Step one to our success has always been putting our clients first. We\'re always looking to grow with the right people. Take a look below to learn more about our partners and how you, too, can join our incredible team!</span></p>\n\n</div>\n</div>\n<div id=\"comp-l7tp3rv4\" class=\"KcpHeO tz5f0K comp-l7tp3rv4 wixui-text\" data-testid=\"richTextElement\">\n\n<img class=\"aligncenter size-medium wp-image-29\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/justinsuttonheadshotsmall-Black-White-300x284.png\" alt=\"\" width=\"300\" height=\"284\" />\n<div id=\"comp-l6v9yz7a\" class=\"KcpHeO tz5f0K comp-l6v9yz7a wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Justin Sutton</strong>\n</span>Owner/Founder</p>\n\n</div>\n<div id=\"comp-l6v9yz7a1\" class=\"KcpHeO tz5f0K comp-l6v9yz7a1 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Justin has worked in the financial services industry for over 8 years. In 2016 the Giddens Nation was formed, where Justin worked alongside brothers Ryan and Stephen, running a satellite office in Waco, TX, and eventually becoming the Senior Regional Director of the Giddens-Giddens Agency. In 2022 Justin formed J. Sutton Financial to extend the reach of the Giddens-Giddens agency into the 100% remote hemisphere of the Fin</span><span class=\"color_15\">ancial Services Industry.</span></p>\n\n\n</div>\n<img class=\"aligncenter size-medium wp-image-30\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/sethheadshot-Black-White-273x300.png\" alt=\"\" width=\"273\" height=\"300\" />\n\n</div>\n<div id=\"comp-l6v9yz7b2\" class=\"KcpHeO tz5f0K comp-l6v9yz7b2 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Seth Ordeneaux</strong>\n</span>Managing Director</p>\n\n</div>\n<div id=\"comp-l6v9yz7c\" class=\"KcpHeO tz5f0K comp-l6v9yz7c wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Since Starting with the company in April 2020, Seth has had the opportunity to learn from and develop some of the top leaders in our company. His ability to build relationships with his clients and colleagues has led him to become one of the Top managers in our industry, with several notable accomplishments from top representative to top manager in a very short amount of time.</span></p>\n\n\n</div>\n<img class=\"aligncenter size-medium wp-image-31\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/F588F955-17B7-46C3-AE39-F6F2077500AE_edited_edited-Black-White-300x292.png\" alt=\"\" width=\"300\" height=\"292\" />\n<div id=\"comp-l6v9yz7d\" class=\"KcpHeO tz5f0K comp-l6v9yz7d wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Matthew Sutton</strong>\n</span>Managing Director</p>\n\n</div>\n<div id=\"comp-l6v9yz7d1\" class=\"KcpHeO tz5f0K comp-l6v9yz7d1 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Matthew\'s career has been nothing short of incredible. With just 5 years in the financial services industry, Matthew has accomplished achievement after achievement. In recent years he has won two separate contests (March Madness/Battle of the Nation), and if that wasn\'t enough, he also leads one of the most powerful teams in our industry.</span></p>\n\n\n<img class=\"aligncenter size-medium wp-image-32\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/322630_f5d4b3c18c504cd7a2cadd94a2a0cf51_mv2-Black-White-300x293.png\" alt=\"\" width=\"300\" height=\"293\" />\n<p style=\"text-align: center;\"><strong>Andres Cano</strong>\nManaging Director</p>\n<p style=\"text-align: center;\">Andres\' career with J. Sutton Financial started in the middle of the pandemic. As a recent college graduate from the University of Texas at El Paso, Andres found an opportunity to excel within a troubling job market at J. Sutton Financial. 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14:07:12','','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-02-28 14:07:12','2023-02-28 14:07:12','',35,'http://cmdev-site1.com/?p=36',0,'revision','',0),(199,1,'2023-03-08 12:44:51','2023-03-08 12:44:51','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.0\" global_colors_info=\"{}\"][et_pb_row admin_label=\"row\" _builder_version=\"4.16\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_blog posts_number=\"3\" include_categories=\"all\" _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section]','Home - 2','','inherit','closed','closed','','138-revision-v1','','','2023-03-08 12:44:51','2023-03-08 12:44:51','',138,'http://cmdev-site1.com/?p=199',0,'revision','',0),(38,1,'2023-02-28 14:53:11','2023-02-28 14:53:11','[et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_color=\"#666666\" custom_padding=\"||17px|||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" header_2_text_color=\"#FFFFFF\" header_2_font_size=\"50px\" global_colors_info=\"{}\"]<h2>Careers</h2>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.16\" custom_margin=\"||-2px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_3,2_3\" admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" custom_margin=\"|auto|||false|false\" custom_padding=\"66px||66px|||\" global_colors_info=\"{}\"][et_pb_column type=\"1_3\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Thought-Bubbles.png\" _builder_version=\"4.20.4\" _module_preset=\"default\" width=\"70%\" width_tablet=\"50%\" width_phone=\"50%\" width_last_edited=\"on|desktop\" module_alignment=\"center\" custom_margin=\"|||70px||\" animation_style=\"slide\" animation_direction=\"right\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][/et_pb_image][/et_pb_column][et_pb_column type=\"2_3\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" header_2_text_align=\"center\" width_tablet=\"\" width_phone=\"\" width_last_edited=\"on|phone\" module_alignment=\"center\" global_colors_info=\"{}\"]<h2><strong>WE ARE HIRING!</strong></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" module_alignment=\"center\" module_alignment_tablet=\"center\" module_alignment_phone=\"center\" module_alignment_last_edited=\"on|desktop\" global_colors_info=\"{}\"]<p>Opportunities with American Income Life are truly unlimited. J. Sutton Financial is currently operating throughout Texas and we are rapidly expanding. We are looking for hard-working, dedicated individuals to join our organization.</p>\n<p>We offer a fun, competitive, family-like atmosphere, with plenty of room for growth.</p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/04/Justin-Conference-2-Cropped.png\" parallax=\"on\" height=\"350px\" custom_padding=\"100px||0px||false|false\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_padding=\"2px|||||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][gravityform id=\"2\" title=\"true\"][/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section]','Careers','','publish','closed','closed','','careers','','','2023-04-11 21:39:18','2023-04-11 21:39:18','',0,'http://cmdev-site1.com/?page_id=38',0,'page','',0),(39,1,'2023-02-28 14:13:42','2023-02-28 14:13:42','','Auto Draft','','inherit','closed','closed','','38-revision-v1','','','2023-02-28 14:13:42','2023-02-28 14:13:42','',38,'http://cmdev-site1.com/?p=39',0,'revision','',0),(40,1,'2023-02-28 14:19:39','2023-02-28 14:19:39','','Careers','','inherit','closed','closed','','38-revision-v1','','','2023-02-28 14:19:39','2023-02-28 14:19:39','',38,'http://cmdev-site1.com/?p=40',0,'revision','',0),(42,1,'2023-02-28 14:36:54','2023-02-28 14:36:54','','Careers','','inherit','closed','closed','','38-revision-v1','','','2023-02-28 14:36:54','2023-02-28 14:36:54','',38,'http://cmdev-site1.com/?p=42',0,'revision','',0),(41,1,'2023-02-28 14:20:24','2023-02-28 14:20:24','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_row admin_label=\"row\" _builder_version=\"4.16\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][/et_pb_column][/et_pb_row][/et_pb_section]','Careers','','inherit','closed','closed','','38-revision-v1','','','2023-02-28 14:20:24','2023-02-28 14:20:24','',38,'http://cmdev-site1.com/?p=41',0,'revision','',0),(44,1,'2023-02-28 14:52:53','2023-02-28 14:52:53','<!-- wp:heading {\"textAlign\":\"center\"} -->\n<h2 class=\"has-text-align-center\"><strong><sup>Careers</sup></strong></h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"align\":\"center\"} -->\n<p class=\"has-text-align-center\">Learn about our available careers and how you can join our company today!</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:image {\"id\":43,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/Careers-Photo-No-Background-1024x443.png\" alt=\"\" class=\"wp-image-43\"/></figure>\n<!-- /wp:image -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"textAlign\":\"center\"} -->\n<h2 class=\"has-text-align-center\">Grow Your Vision</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph {\"align\":\"center\"} -->\n<p class=\"has-text-align-center\">Interested in starting your career path and joining our team?&nbsp;<a>Let\'s Talk!&nbsp;</a></p>\n<!-- /wp:paragraph -->','','','inherit','closed','closed','','38-revision-v1','','','2023-02-28 14:52:53','2023-02-28 14:52:53','',38,'http://cmdev-site1.com/?p=44',0,'revision','',0),(54,1,'2023-03-01 13:34:18','2023-03-01 13:34:18','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\r\nMany seniors are able to lead independent lives. But the aging process often requires getting in-home care or moving to assisted living so you or a loved one can continue leading a happy and fulfilling life.\r\n\r\nWhile the decision to opt for in-home care for yourself or a loved one is a very personal one, this article aims to help you decide when the time is right. There are considerations that both the senior and the caregiver should take into consideration.\r\n<h3>Senior Signs</h3>\r\nHere are five signs seniors may exhibit that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>1</sup>\r\n<ol>\r\n 	<li>Behavior changes</li>\r\n 	<li>Assistance with hygiene needed</li>\r\n 	<li>Worsening health conditions</li>\r\n 	<li>Increasing number of falls or accidents</li>\r\n 	<li>Signs of neglect around the home</li>\r\n</ol>\r\nThese can often be in conjunction with one another.\r\n<h3>Caregiver Signs</h3>\r\nIt is also important that the concerns of those providing care for family members be taken into consideration. As a caregiver, you cannot give your best if you are struggling to balance caring for your senior with other responsibilities like your work and family.<sup>2</sup>\r\n\r\nCaregivers may exhibit three signs that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>3</sup>\r\n<ol>\r\n 	<li>Emotional burnout</li>\r\n 	<li>Physical burnout</li>\r\n 	<li>Role confusion</li>\r\n</ol>\r\nThe transition to getting in-home care or moving to assisted living is a sensitive and personal decision.\r\n\r\nRecognizing some signs of decline in seniors and caregivers may help ease the transition. Communication and coordination between caregivers and seniors are key throughout the aging process.<sup>2</sup>\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<span style=\"font-size: 8pt;\">Sources:\r\n</span><em style=\"font-size: 8pt;\">1. WAHCA, 5 Signs That It Might Be Time to Consider Home Care, 2019, <a href=\"https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/\" target=\"_blank\" rel=\"noopener noreferrer\">https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/</a>\r\n</em><em style=\"font-size: 8pt;\">2. Johns Hopkins Medicine, Caregiving: Knowing When It’s Time for In-Home Help, 2021, <a href=\"https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help</a>\r\n</em><em style=\"font-size: 8pt;\">3. Assistedliving.org, 5 Signs It’s Time to Hire a Home Health Aide, n.d. 2021, <a href=\"https://www.assistedliving.org/hire-a-home-health-aide/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.assistedliving.org/hire-a-home-health-aide/</a></em>','Key Signs It’s Time To Get In-Home Care Or Move To An Assisted Living Facility','','publish','open','open','','key-signs-its-time-to-get-in-home-care-or-move-to-an-assisted-living-facility','','','2023-03-19 17:37:18','2023-03-19 17:37:18','',0,'http://cmdev-site1.com/?p=54',0,'post','',0),(165,1,'2023-03-06 13:48:02','2023-03-06 13:48:02','<!-- wp:heading {\"textAlign\":\"center\"} -->\r\n<h1 class=\"has-text-align-center\" style=\"text-align: center;\">Grow Your Future With Us</h1>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} -->\r\n<h2 style=\"text-align: center;\">Interested in starting your career path and joining our team? <a>Let\'s Talk! </a></h2>\r\n<p>&nbsp;</p>\r\n<p class=\"has-text-align-center\" style=\"text-align: center;\">Learn about our available openings and how you can join our team today!</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>&nbsp;</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:image {\"id\":43,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\r\n<figure class=\"wp-block-image size-large\"><img class=\"wp-image-43\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/Careers-Photo-No-Background-1024x443.png\" alt=\"\" /></figure>\r\n<!-- /wp:image -->\r\n\r\n<!-- wp:paragraph --><!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading {\"textAlign\":\"center\"} -->\r\n<h2 class=\"has-text-align-center\" style=\"text-align: center;\"> </h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} --><!-- /wp:paragraph -->','Careers','','inherit','closed','closed','','38-revision-v1','','','2023-03-06 13:48:02','2023-03-06 13:48:02','',38,'http://cmdev-site1.com/?p=165',0,'revision','',0),(52,1,'2023-02-28 16:38:44','2023-02-28 16:38:44','<!-- wp:heading {\"textAlign\":\"center\"} -->\r\n<h1 class=\"has-text-align-center\" style=\"text-align: center;\"><sup>Careers</sup></h1>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} -->\r\n<p class=\"has-text-align-center\" style=\"text-align: center;\">Learn about our available careers and how you can join our company today!</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>&nbsp;</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:image {\"id\":43,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\r\n<figure class=\"wp-block-image size-large\"><img class=\"wp-image-43\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/Careers-Photo-No-Background-1024x443.png\" alt=\"\" /></figure>\r\n<!-- /wp:image -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>&nbsp;</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading {\"textAlign\":\"center\"} -->\r\n<h2 class=\"has-text-align-center\" style=\"text-align: center;\">Grow Your Vision</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} -->\r\n<p class=\"has-text-align-center\" style=\"text-align: center;\">Interested in starting your career path and joining our team? <a>Let\'s Talk! </a></p>\r\n<!-- /wp:paragraph -->','Career','','inherit','closed','closed','','38-revision-v1','','','2023-02-28 16:38:44','2023-02-28 16:38:44','',38,'http://cmdev-site1.com/?p=52',0,'revision','',0),(55,1,'2023-03-01 13:32:39','2023-03-01 13:32:39','Closeup of a support hands','Closeup of a support hands','','inherit','open','closed','','closeup-of-a-support-hands','','','2023-03-01 13:33:34','2023-03-01 13:33:34','',54,'http://cmdev-site1.com/wp-content/uploads/2023/03/Senior-and-nurse-1000X667.jpg',0,'attachment','image/jpeg',0),(56,1,'2023-03-01 13:33:48','2023-03-01 13:33:48','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed • June 02, 2021</span></div>\r\n&nbsp;\r\n\r\nMany seniors are able to lead independent lives. But the aging process often requires getting in-home care or moving to assisted living so you or a loved one can continue leading a happy and fulfilling life.\r\n\r\nWhile the decision to opt for in-home care for yourself or a loved one is a very personal one, this article aims to help you decide when the time is right. There are considerations that both the senior and the caregiver should take into consideration.\r\n<h3>Senior Signs</h3>\r\nHere are five signs seniors may exhibit that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>1</sup>\r\n<ol>\r\n 	<li>Behavior changes</li>\r\n 	<li>Assistance with hygiene needed</li>\r\n 	<li>Worsening health conditions</li>\r\n 	<li>Increasing number of falls or accidents</li>\r\n 	<li>Signs of neglect around the home</li>\r\n</ol>\r\nThese can often be in conjunction with one another.\r\n<h3>Caregiver Signs</h3>\r\nIt is also important that the concerns of those providing care for family members be taken into consideration. As a caregiver, you cannot give your best if you are struggling to balance caring for your senior with other responsibilities like your work and family.<sup>2</sup>\r\n\r\nCaregivers may exhibit three signs that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>3</sup>\r\n<ol>\r\n 	<li>Emotional burnout</li>\r\n 	<li>Physical burnout</li>\r\n 	<li>Role confusion</li>\r\n</ol>\r\nThe transition to getting in-home care or moving to assisted living is a sensitive and personal decision.\r\n\r\nRecognizing some signs of decline in seniors and caregivers may help ease the transition. Communication and coordination between caregivers and seniors is key throughout the aging process.<sup>2</sup>\r\n<h5>Sources:</h5>\r\n<div><span style=\"font-size: 8pt;\"><em>1. WAHCA, 5 Signs That It Might Be Time to Consider Home Care, 2019, <a href=\"https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/\" target=\"_blank\" rel=\"noopener noreferrer\">https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/</a></em></span>\r\n\r\n<span style=\"font-size: 8pt;\"><em>2. Johns Hopkins Medicine, Caregiving: Knowing When It’s Time for In-Home Help, 2021, <a href=\"https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help</a></em></span>\r\n\r\n<span style=\"font-size: 8pt;\"><em>3. Assistedliving.org, 5 Signs It’s Time to Hire a Home Health Aide, n.d. 2021, <a href=\"https://www.assistedliving.org/hire-a-home-health-aide/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.assistedliving.org/hire-a-home-health-aide/</a></em></span></div>','Key Signs it’s Time to Get In-Home Care or Move to an Assisted Living Facility','','inherit','closed','closed','','54-revision-v1','','','2023-03-01 13:33:48','2023-03-01 13:33:48','',54,'http://cmdev-site1.com/?p=56',0,'revision','',0),(84,1,'2023-03-01 14:43:34','2023-03-01 14:43:34','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\r\nMany seniors are able to lead independent lives. But the aging process often requires getting in-home care or moving to assisted living so you or a loved one can continue leading a happy and fulfilling life.\r\n\r\nWhile the decision to opt for in-home care for yourself or a loved one is a very personal one, this article aims to help you decide when the time is right. There are considerations that both the senior and the caregiver should take into consideration.\r\n<h3>Senior Signs</h3>\r\nHere are five signs seniors may exhibit that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>1</sup>\r\n<ol>\r\n 	<li>Behavior changes</li>\r\n 	<li>Assistance with hygiene needed</li>\r\n 	<li>Worsening health conditions</li>\r\n 	<li>Increasing number of falls or accidents</li>\r\n 	<li>Signs of neglect around the home</li>\r\n</ol>\r\nThese can often be in conjunction with one another.\r\n<h3>Caregiver Signs</h3>\r\nIt is also important that the concerns of those providing care for family members be taken into consideration. As a caregiver, you cannot give your best if you are struggling to balance caring for your senior with other responsibilities like your work and family.<sup>2</sup>\r\n\r\nCaregivers may exhibit three signs that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>3</sup>\r\n<ol>\r\n 	<li>Emotional burnout</li>\r\n 	<li>Physical burnout</li>\r\n 	<li>Role confusion</li>\r\n</ol>\r\nThe transition to getting in-home care or moving to assisted living is a sensitive and personal decision.\r\n\r\nRecognizing some signs of decline in seniors and caregivers may help ease the transition. Communication and coordination between caregivers and seniors are key throughout the aging process.<sup>2</sup>\r\n\r\n<span style=\"font-size: 8pt;\">Sources:\r\n</span><em style=\"font-size: 8pt;\">1. WAHCA, 5 Signs That It Might Be Time to Consider Home Care, 2019, <a href=\"https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/\" target=\"_blank\" rel=\"noopener noreferrer\">https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/</a>\r\n</em><em style=\"font-size: 8pt;\">2. Johns Hopkins Medicine, Caregiving: Knowing When It’s Time for In-Home Help, 2021, <a href=\"https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help</a>\r\n</em><em style=\"font-size: 8pt;\">3. Assistedliving.org, 5 Signs It’s Time to Hire a Home Health Aide, n.d. 2021, <a href=\"https://www.assistedliving.org/hire-a-home-health-aide/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.assistedliving.org/hire-a-home-health-aide/</a></em>','Key Signs It’s Time To Get In-Home Care Or Move To An Assisted Living Facility','','inherit','closed','closed','','54-revision-v1','','','2023-03-01 14:43:34','2023-03-01 14:43:34','',54,'http://cmdev-site1.com/?p=84',0,'revision','',0),(57,1,'2023-03-01 13:45:55','2023-03-01 13:45:55','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\r\n<div></div>\r\n<div class=\"article_info\">This situation may be familiar to you: You’ve made the decision to help protect your family and are considering purchasing life insurance as a means to do so. However, as you start looking into life insurance options, you begin to feel overwhelmed by the amount of choices available to you and may even be confused if you qualify for life insurance.</div>\r\n<div></div>\r\n<div class=\"article_info\">In this article, we’ll discuss one specific type of whole life insurance: graded death benefit whole life insurance. Read on to learn more about what a graded death benefit whole life insurance policy is, how it works, and considerations to make before purchasing it.</div>\r\n&nbsp;\r\n\r\nGraded death benefit whole life policies are a type of whole life insurance. Life insurance policies are offered in two major types: term life and whole life policies.\r\n\r\n<a href=\"https://www.globelifeinsurance.com/article/how-long-term-life-policy\" target=\"_blank\" rel=\"noopener noreferrer\">Term life insurance</a> is a type of life insurance policy that pays a stated death benefit in the event the person insured dies during the specified term of coverage.\r\n\r\n<a href=\"https://www.globelifeinsurance.com/article/what-is-whole-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">Traditional whole life insurance</a>, meanwhile, provides permanent death benefit coverage for the life of the insured. Whole life insurance may also carry a cash value component, which allows the policyholder to build <a href=\"https://home.globelifeinsurance.com/articles/august-2020/can-whole-life-insurance-be-used-to-save-for-c-(1)\" target=\"_blank\" rel=\"noopener noreferrer\">cash value</a> after a certain amount of time via the payment of premiums.\r\n\r\nWhat are the requirements for purchasing life insurance? Is a medical exam or health application required?\r\n\r\nLife insurance providers may require you to provide evidence of insurability prior to issuing you coverage. Evidence of insurability may involve you undergoing a medical exam or answering a health questionnaire.\r\n\r\nThis is not a comprehensive list of requirements that may be involved in purchasing life insurance.\r\n<h3>What is a graded death benefit whole life insurance policy?</h3>\r\nA graded death benefit whole life insurance policy is a type of whole life insurance. It may provide people not approved for standard life insurance an option to purchase life insurance.\r\n\r\nWhy? A medical exam is usually not required for a graded death benefit whole life insurance policy. As such, it may be an attractive option for people who have been declined for coverage due to personal health or other reasons like heart conditions, cancer, or even stroke.\r\n<h3>How does a graded death benefit whole life insurance policy work?</h3>\r\nA graded death benefit whole life insurance policy often works like a normal whole life insurance policy, except it usually has a waiting period, typically two to three years, before it will pay the full amount of death benefits. In the event your death occurs during the waiting period, a graded death benefit whole life insurance policy may pay a lower amount to your beneficiaries.\r\n\r\nWhat might you consider before purchasing a graded death benefit whole life insurance policy?\r\n\r\nYou may want to consider the following before purchasing a graded death benefit whole life insurance policy:\r\n<ol>\r\n 	<li><strong>Consider your health.</strong>\r\nA graded death benefit whole life insurance policy may offer those with significant risk factors a way to get life insurance. It may also be an appropriate option for you if you consider undergoing a health exam or a more exhaustive health screening a hassle.</li>\r\n 	<li><strong>Consider whether or not you want a type of whole life insurance policy.</strong>\r\nA graded death benefit policy is a type of whole life insurance. It provides coverage for the life of the insured, unlike term life insurance policies that expire after a certain time period.</li>\r\n 	<li><strong>Consider the waiting period and associated premiums.</strong>\r\nPremiums usually do not increase year-to-year for a graded death benefit whole life insurance policy. After the waiting period, the policy’s benefits will increase to the face value—the full insurance coverage amount—of the policy.</li>\r\n</ol>\r\nThis is not a comprehensive list of factors you may want to consider before purchasing a graded death benefit whole life insurance policy.\r\n<h3>A graded death benefit whole life insurance policy may be a helpful insurance coverage option for you.</h3>\r\nA graded death whole life insurance policy may be a helpful insurance coverage option for you. It may be able to help provide you with financial protection if you would not otherwise qualify for life insurance due to a pre-existing or chronic health condition or illness.\r\n\r\nA graded death benefit whole life insurance policy may require a waiting period to pass before paying out on the policy.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.','How Does A Graded Death Benefit Whole Life Insurance Policy Work?','','publish','open','open','','how-does-a-graded-death-benefit-whole-life-insurance-policy-work','','','2023-03-19 17:37:55','2023-03-19 17:37:55','',0,'http://cmdev-site1.com/?p=57',0,'post','',0),(58,1,'2023-03-01 13:42:43','2023-03-01 13:42:43','','Family of six','Portrait of senior and young couples with their children looking at camera at home','inherit','open','closed','','family-of-six','','','2023-03-01 13:42:43','2023-03-01 13:42:43','',57,'http://cmdev-site1.com/wp-content/uploads/2023/03/Seniors-with-their-family-1000x667-1.jpg',0,'attachment','image/jpeg',0),(60,1,'2023-03-01 13:45:55','2023-03-01 13:45:55','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed • August 31, 2021</span></div>\r\n<div></div>\r\n<div class=\"article_info\">This situation may be familiar to you: You’ve made the decision to help protect your family and are considering purchasing life insurance as a means to do so. However, as you start looking into life insurance options, you begin to feel overwhelmed by the amount of choices available to you and may even be confused if you qualify for life insurance.</div>\r\n<div></div>\r\n<div class=\"article_info\">In this article, we’ll discuss one specific type of whole life insurance: graded death benefit whole life insurance. Read on to learn more about what a graded death benefit whole life insurance policy is, how it works, and considerations to make before purchasing it.</div>\r\n&nbsp;\r\n\r\nGraded death benefit whole life policies are a type of whole life insurance. Life insurance policies are offered in two major types: term life and whole life policies.\r\n\r\n<a href=\"https://www.globelifeinsurance.com/article/how-long-term-life-policy\" target=\"_blank\" rel=\"noopener noreferrer\">Term life insurance</a> is a type of life insurance policy that pays a stated death benefit in the event the person insured dies during the specified term of coverage.\r\n\r\n<a href=\"https://www.globelifeinsurance.com/article/what-is-whole-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">Traditional whole life insurance</a>, meanwhile, provides permanent death benefit coverage for the life of the insured. Whole life insurance may also carry a cash value component, which allows the policyholder to build <a href=\"https://home.globelifeinsurance.com/articles/august-2020/can-whole-life-insurance-be-used-to-save-for-c-(1)\" target=\"_blank\" rel=\"noopener noreferrer\">cash value</a> after a certain amount of time via the payment of premiums.\r\n\r\nWhat are the requirements for purchasing life insurance? Is a medical exam or health application required?\r\n\r\nLife insurance providers may require you to provide evidence of insurability prior to issuing you coverage. Evidence of insurability may involve you undergoing a medical exam or answering a health questionnaire.\r\n\r\nThis is not a comprehensive list of requirements that may be involved in purchasing life insurance.\r\n<h3>What is a graded death benefit whole life insurance policy?</h3>\r\nA graded death benefit whole life insurance policy is a type of whole life insurance. It may provide people not approved for standard life insurance an option to purchase life insurance.\r\n\r\nWhy? A medical exam is usually not required for a graded death benefit whole life insurance policy. As such, it may be an attractive option for people who have been declined for coverage due to personal health or other reasons like heart conditions, cancer, or even stroke.\r\n<h3>How does a graded death benefit whole life insurance policy work?</h3>\r\nA graded death benefit whole life insurance policy often works like a normal whole life insurance policy, except it usually has a waiting period, typically two to three years, before it will pay the full amount of death benefits. In the event your death occurs during the waiting period, a graded death benefit whole life insurance policy may pay a lower amount to your beneficiaries.\r\n\r\nWhat might you consider before purchasing a graded death benefit whole life insurance policy?\r\n\r\nYou may want to consider the following before purchasing a graded death benefit whole life insurance policy:\r\n<ol>\r\n 	<li><strong>Consider your health.</strong>\r\nA graded death benefit whole life insurance policy may offer those with significant risk factors a way to get life insurance. It may also be an appropriate option for you if you consider undergoing a health exam or a more exhaustive health screening a hassle.</li>\r\n 	<li><strong>Consider whether or not you want a type of whole life insurance policy.</strong>\r\nA graded death benefit policy is a type of whole life insurance. It provides coverage for the life of the insured, unlike term life insurance policies that expire after a certain time period.</li>\r\n 	<li><strong>Consider the waiting period and associated premiums.</strong>\r\nPremiums usually do not increase year-to-year for a graded death benefit whole life insurance policy. After the waiting period, the policy’s benefits will increase to the face value—the full insurance coverage amount—of the policy.</li>\r\n</ol>\r\nThis is not a comprehensive list of factors you may want to consider before purchasing a graded death benefit whole life insurance policy.\r\n<h3>A graded death benefit whole life insurance policy may be a helpful insurance coverage option for you.</h3>\r\nA graded death whole life insurance policy may be a helpful insurance coverage option for you. It may be able to help provide you with financial protection if you would not otherwise qualify for life insurance due to a pre-existing or chronic health condition or illness. A graded death benefit whole life insurance policy may require a waiting period to pass before paying out on the policy.\r\n\r\nContact a licensed insurance professional to find out more about graded death benefit whole life insurance policies and to discuss your insurance needs.','How Does a Graded Death Benefit Whole Life Insurance Policy Work?','','inherit','closed','closed','','57-revision-v1','','','2023-03-01 13:45:55','2023-03-01 13:45:55','',57,'http://cmdev-site1.com/?p=60',0,'revision','',0),(61,1,'2023-03-01 13:53:31','2023-03-01 13:53:31','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\nWhen many of us think of our passing, we imagine it will be something that doesn’t happen until well into our old age. But what happens if the unthinkable happens and your life is taken in an accident?\r\n\r\nAccording to the CDC, each year, there are more than 170,000 deaths attributed to unintentional injuries, including motor vehicle accidents.<sup>1</sup>\r\n<h3>Simply put: Accidents happen.</h3>\r\nSo, are you and your loved ones prepared in the event of a fatal accident? In this article, we’ll explore some ways you can shore up your life insurance protection to help benefit your loved ones in the event of your untimely (and accidental) passing.\r\n<h3>What is accidental death insurance?</h3>\r\nAccidental death insurance is often a clause or rider connected to a life insurance policy. It provides additional benefits to beneficiaries in the event the insured passes away under the coverage period from a covered accident. The insured often pays an additional premium if this rider is added to their existing policy.\r\n<h3>What is considered an “accidental death”?</h3>\r\nAccidental deaths, in the eyes of many insurance companies, are those that occur as the result of an incident that’s caused by forces outside of your control.\r\n\r\nThink of car crashes, slips and falls, choking, drowning, machine accidents, and other situations that cannot be controlled and are deemed by the insurance company to be an accident.\r\n\r\nIncidences of an accidental death that stem from a hazardous activity, such as race car driving, base jumping, or sky diving, often aren’t covered under accidental death coverage. This is subject to the insurance company’s specific policy terms. Death from an illness is excluded. Deaths stemming from illegal activities can be excluded as well.\r\n<h3>Why might you want to consider accidental death coverage?</h3>\r\nAdding additional coverage to an existing life insurance policy can be a helpful benefit for your loved ones and beneficiaries. They can be even better protected in the event of your sudden, unforeseen passing.\r\n\r\nThe addition of accidental death coverage to your existing life insurance policy can provide extra help for your family in their time of need if they were to lose you to an accident.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<span style=\"font-size: 10pt;\"><em>Sources:</em>\r\n</span><em><span style=\"font-size: 8pt;\">1. <a href=\"https://www.cdc.gov/nchs/fastats/accidental-injury.htm\" target=\"_blank\" rel=\"noopener noreferrer\">CDC, Accidents or Unintentional Injuries</a>, 2021</span></em>','Do I need Accidental Death Insurance?','','publish','open','open','','do-i-need-accidental-death-insurance','','','2023-03-19 17:38:34','2023-03-19 17:38:34','',0,'http://cmdev-site1.com/?p=61',0,'post','',0),(62,1,'2023-03-01 13:51:40','2023-03-01 13:51:40','Accidental Death Benefit And Dismemberment & insurance.','Accidental Death Benefit And Dismemberment ad&amp;d insurance.','','inherit','open','closed','','accidental-death-benefit-and-dismemberment-add-insurance','','','2023-03-01 13:52:20','2023-03-01 13:52:20','',61,'http://cmdev-site1.com/wp-content/uploads/2023/03/Accidental-Death-Benefit-And-Dismemberment-add-insurance-1000x667-1.jpg',0,'attachment','image/jpeg',0),(63,1,'2023-03-01 13:53:31','2023-03-01 13:53:31','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams • May 25, 2021</span></div>\r\nWhen many of us think of our passing, we imagine it will be something that doesn’t happen until well into our old age. But what happens if the unthinkable happens and your life is taken in an accident? According to the CDC, each year, there are more than 170,000 deaths attributed to unintentional injuries, including motor vehicle accidents.<sup>1</sup>\r\n<h3>Simply put: Accidents happen.</h3>\r\nSo, are you and your loved ones prepared in the event of a fatal accident? In this article, we’ll explore some ways you can shore up your life insurance protection to help benefit your loved ones in the event of your untimely (and accidental) passing.\r\n<h3>What is accidental death insurance?</h3>\r\nAccidental death insurance is often a clause or rider connected to a life insurance policy. It provides additional benefits to beneficiaries in the event the insured passes away under the coverage period from a covered accident. The insured often pays an additional premium if this rider is added to their existing policy.\r\n<h3>What is considered an “accidental death”?</h3>\r\nAccidental deaths, in the eyes of many insurance companies, are those that occur as the result of an incident that’s caused by forces outside of your control.\r\n\r\nThink of car crashes, slips and falls, choking, drowning, machine accidents, and other situations that cannot be controlled and are deemed by the insurance company to be an accident.\r\n\r\nIncidences of an accidental death that stem from a hazardous activity, such as race car driving, base jumping, or sky diving, often aren’t covered under accidental death coverage. This is subject to the insurance company’s specific policy terms. Death from an illness is excluded. Deaths stemming from illegal activities can be excluded as well.\r\n<h3>Why might you want to consider accidental death coverage?</h3>\r\nAdding additional coverage to an existing life insurance policy can be a helpful benefit for your loved ones and beneficiaries. They can be even better protected in the event of your sudden, unforeseen passing. The addition of accidental death coverage to your existing life insurance policy can provide extra help for your family in their time of need if they were to lose you to an accident.\r\n<h5><span style=\"font-size: 10pt;\">Sources:</span></h5>\r\n<div><em><span style=\"font-size: 8pt;\">1. <a href=\"https://www.cdc.gov/nchs/fastats/accidental-injury.htm\" target=\"_blank\" rel=\"noopener noreferrer\">CDC, Accidents or Unintentional Injuries</a>, 2021</span></em></div>','Do I need Accidental Death Insurance?','','inherit','closed','closed','','61-revision-v1','','','2023-03-01 13:53:31','2023-03-01 13:53:31','',61,'http://cmdev-site1.com/?p=63',0,'revision','',0),(65,1,'2023-03-01 14:04:07','2023-03-01 14:04:07','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\n<div></div>\r\n<div class=\"article_info\">Eating healthy is not only good for your health and well-being, but it can also be extremely beneficial to your brain as well. According to experts, foods high in antioxidants and omega-3 fatty acids can improve brain health and memory.</div>\r\nThe following are six foods that can enhance brain function and protect it against diseases like dementia and Alzheimer’s...\r\n<p style=\"padding-left: 40px;\"><strong>1. Walnuts – </strong>A 2009 study in the Journal of Nutrition revealed that a diet rich in nuts can actually reverse the signs of aging in the brain, including the ability to function and process information.</p>\r\n<p style=\"padding-left: 40px;\">In addition, a study performed in 2010 at the International Conference on Alzheimer’s disease showed that walnuts can improve learning, memory, and motor coordination.</p>\r\n<p style=\"padding-left: 40px;\">Walnuts are also known to be high in antioxidants, which some researchers believe may combat the damage done to the brain cells’ DNA.</p>\r\n<p style=\"padding-left: 40px;\"><strong>2. Carrots – </strong>Not only have carrots been proven to be good for eyesight, but studies now show that they are great for the brain too. According to a 2007 article in the Archives of Internal Medicine, diets rich in beta-carotene over an extended period of time showed significant improvement in verbal memory and general cognition.</p>\r\n<p style=\"padding-left: 40px;\">In fact, scientists believe that beta-carotene can help eliminate the stress that contributes to brain aging.</p>\r\n<p style=\"padding-left: 40px;\">A study published in the 2010 Journal of Nutrition also revealed that carrots are high in luteolin. Luteolin is a compound that has been found to reduce age-related memory problems, as well as inflammation in the brain. Olive oil, peppers, and celery are also rich in luteolin.</p>\r\n<p style=\"padding-left: 40px;\"><strong>3. Berries – </strong>Berries can provide a variety of health benefits, including memory improvement. The 2010 Journal of Agricultural and Food Chemistry noted that adults who suffered slight memory problems began to show memory and recall improvement after just twelve weeks of drinking wild blueberry juice. The study further showed that blueberries also helped with signs of depression in seniors.</p>\r\n<p style=\"padding-left: 40px;\">A 2009 study performed and recorded in the Journal of Nutrition showed that fruits high in antioxidants, such as blueberries and strawberries, can decrease stress in cells that are related to aging and increase certain brain functions.</p>\r\n<p style=\"padding-left: 40px;\"><strong>4. Fish – </strong>According to recent studies, fish oil rich in omega-3 fatty acids may slow the cognitive decline that comes with age. A study in the journal Archives of Neurology found that people 65 and older who ate two meals a week for six years that included fish showed to have a 13 percent decrease in cognitive decline.</p>\r\n<p style=\"padding-left: 40px;\">Even those who only ate one meal with fish every week for six years demonstrated a ten percent decrease in cognitive decline. Fish is also a great resource for vitamin B12, which has been shown to help protect against Alzheimer’s disease.</p>\r\n<p style=\"padding-left: 40px;\"><strong>5. Coffee/Tea – </strong>Coffee and tea have been shown to be beneficial in preventing Alzheimer’s disease and improving cognitive function. A study in the 2010 Journal of Alzheimer’s Disease noted that caffeinated coffee has been found to slow the progression of the disease or help prevent it from developing.</p>\r\n<p style=\"padding-left: 40px;\">Based on this finding, experts believe that coffee and tea may eventually be used as therapeutic treatment for people with Alzheimer’s disease. Research has also shown that tea can work as a protective agent for the brain.</p>\r\n<p style=\"padding-left: 40px;\">According to an article in the 2010 Journal of Nutrition, studies show that tea drinkers actually do better on memory tests and information processing than non-tea drinkers.</p>\r\n<p style=\"padding-left: 40px;\"><strong>6. Spinach – </strong>Many health benefits come from spinach, including its ability to help to improve cognitive function. Scientists believe this is because it contains high amounts of vitamins C and E.</p>\r\n<p style=\"padding-left: 40px;\">According to a study published in the Journals of Gerontology in 2000, a diet rich in vitamin E increased brain and nerve tissue, as well as increased dopamine release into the brain, the chemical that allows information to be processed.</p>\r\n<p style=\"padding-left: 40px;\">Lastly, a study performed in 2000 and published in the journal Brain Research found that consuming spinach, strawberries, and blueberries can reverse age-related memory and motor deficits.</p>\r\nIn conclusion, these six brain foods may help improve brain health and perhaps even slow memory decline that can come with age.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.','6 Foods That Feed Your Brain','','publish','open','open','','6-foods-that-feed-your-brain','','','2023-03-19 17:39:28','2023-03-19 17:39:28','',0,'http://cmdev-site1.com/?p=65',0,'post','',0),(66,1,'2023-03-01 14:02:48','2023-03-01 14:02:48','Blueberries and strawberries background. Top view.','Blueberries and strawberries background.','','inherit','open','closed','','blueberries-and-strawberries-background','','','2023-03-01 14:03:12','2023-03-01 14:03:12','',65,'http://cmdev-site1.com/wp-content/uploads/2023/03/Blueberries-and-strawberries-background-1000x667-1.jpg',0,'attachment','image/jpeg',0),(67,1,'2023-03-01 14:04:07','2023-03-01 14:04:07','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\n<div></div>\r\n<div class=\"article_info\">Eating healthy is not only good for your health and well-being, but it can also be extremely beneficial to your brain as well. According to experts, foods high in antioxidants and omega-3 fatty acids can improve brain health and memory.</div>\r\nThe following are six foods that can enhance brain function and protect it against diseases like dementia and Alzheimer’s...\r\n<ol>\r\n 	<li><strong>Walnuts – </strong>A 2009 study in the Journal of Nutrition revealed that a diet rich in nuts can actually reverse the signs of aging in the brain, including the ability to function and process information. In addition, a study performed in 2010 at the International Conference on Alzheimer’s disease showed that walnuts can improve learning, memory, and motor coordination. Walnuts are also known to be high in antioxidants, which some researchers believe may combat the damage done to the brain cells’ DNA.</li>\r\n 	<li><strong>Carrots – </strong>Not only have carrots been proven to be good for eyesight, but studies now show that they are great for the brain too. According to a 2007 article in the Archives of Internal Medicine, diets rich in beta-carotene over an extended period of time showed significant improvement in verbal memory and general cognition. In fact, scientists believe that beta-carotene can help eliminate the stress that contributes to brain aging.\r\n\r\nA study published in the 2010 Journal of Nutrition also revealed that carrots are high in luteolin. Luteolin is a compound that has been found to reduce age-related memory problems, as well as inflammation in the brain. Olive oil, peppers, and celery are also rich in luteolin.</li>\r\n 	<li><strong>Berries – </strong>Berries can provide a variety of health benefits, including memory improvement. The 2010 Journal of Agricultural and Food Chemistry noted that adults who suffered slight memory problems began to show memory and recall improvement after just twelve weeks of drinking wild blueberry juice. The study further showed that blueberries also helped with signs of depression in seniors.\r\n\r\nA 2009 study performed and recorded in the Journal of Nutrition showed that fruits high in antioxidants, such as blueberries and strawberries, can decrease stress in cells that are related to aging and increase certain brain functions.</li>\r\n 	<li><strong>Fish – </strong>According to recent studies, fish oil rich in omega-3 fatty acids may slow the cognitive decline that comes with age. A study in the journal Archives of Neurology found that people 65 and older who ate two meals a week for six years that included fish showed to have a 13 percent decrease in cognitive decline. Even those who only ate one meal with fish every week for six years demonstrated a ten percent decrease in cognitive decline. Fish is also a great resource for vitamin B12, which has been shown to help protect against Alzheimer’s disease.</li>\r\n 	<li><strong>Coffee/Tea – </strong>Coffee and tea have been shown to be beneficial in preventing Alzheimer’s disease and improving cognitive function. A study in the 2010 Journal of Alzheimer’s Disease noted that caffeinated coffee has been found to slow the progression of the disease or help prevent it from developing. Based on this finding, experts believe that coffee and tea may eventually be used as therapeutic treatment for people with Alzheimer’s disease.\r\n\r\nResearch has also shown that tea can work as a protective agent for the brain. According to an article in the 2010 Journal of Nutrition, studies show that tea drinkers actually do better on memory tests and information processing than non-tea drinkers.</li>\r\n 	<li><strong>Spinach – </strong>Many health benefits come from spinach, including its ability to help to improve cognitive function. Scientists believe this is because it contains high amounts of vitamins C and E. According to a study published in the Journals of Gerontology in 2000, a diet rich in vitamin E increased brain and nerve tissue, as well as increased dopamine release into the brain, the chemical that allows information to be processed.\r\n\r\nLastly, a study performed in 2000 and published in the journal Brain Research found that consuming spinach, strawberries, and blueberries can reverse age-related memory and motor deficits.</li>\r\n</ol>\r\nIn conclusion, these six brain foods may help improve brain health and perhaps even slow memory decline that can come with age.','6 Foods That Feed Your Brain','','inherit','closed','closed','','65-revision-v1','','','2023-03-01 14:04:07','2023-03-01 14:04:07','',65,'http://cmdev-site1.com/?p=67',0,'revision','',0),(68,1,'2023-03-01 14:10:17','2023-03-01 14:10:17','<div class=\"article_info\"><span style=\"font-size: 10pt;\">By Lucille Reed</span></div>\r\n<div></div>\r\n<div class=\"article_info\">As the weather warms up and families eat more of their meals outdoors, it’s easy for a potentially hazardous scenario to become a reality: food contamination. According to the CDC, foodborne illness is a common public health issue.</div>\r\n<div></div>\r\n<div class=\"article_info\">Estimates are that one in six Americans get sick from contaminated foods or beverages each year. Three thousand Americans die from such illnesses every year.<sup>1</sup></div>\r\n<div></div>\r\n<div class=\"article_info\">So what is food contamination, why is it potentially hazardous, and what are the ways people can practice safe food handling and preparation?</div>\r\n&nbsp;\r\n<h3>What are food contamination and food poisoning?</h3>\r\nFood contamination occurs when food is tainted with bacteria, mold, or other toxins at some point along the food production chain.<sup>2</sup> This can result in food poisoning when the food is ingested. Generally, the symptoms of food poisoning are similar to the stomach flu: nausea, vomiting, and other highly uncomfortable GI issues.<sup>3</sup>\r\n\r\nSometimes contaminated food can be easily identified, such as visibly moldy bread or smelly, rotten eggs. Other times, the bacteria, mold, or other contaminants cannot be seen by the naked eye.\r\n<h3>When food poisoning gets serious</h3>\r\nNo one likes to be sick. While many cases of food poisoning get better with time, there is a real risk of potential complications—especially dehydration and other serious health complications. Depending upon the contaminant, medical intervention may be necessary to help alleviate the symptoms or complications of food poisoning.<sup>3</sup> Contact your healthcare provider if you feel you need to be seen.\r\n<h3>Preventing foodborne illness</h3>\r\nPrevention is critical when it comes to food poisoning. Make sure you practice safe food preparation, storage, and serving protocols each time you prepare food for others—and for yourself. Keep foods at appropriate temperatures, and don’t let food sit out for extended periods of time.<sup>4</sup>\r\n\r\nExamine your food before ingesting it, especially canned and fresh fruit and veggies, to make sure the packaging is intact. Never eat food in which the packaging is cracked, has loose lids, or looks swollen. Practice good handwashing and hygiene when preparing foods, especially raw meats. Do not prepare foods if you are sick, especially with stomach-related illnesses.<sup>4</sup>\r\n\r\nFood contamination is a serious issue that impacts many Americans each year. Ensure you follow proper food handling practices to keep everyone at your outdoor meal safe.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<span style=\"font-size: 10pt;\"><em><span style=\"font-size: 8pt;\">Sources:</span></em>\r\n</span><em><span style=\"font-size: 8pt;\">1. CDC, CDC’s Role in Food Safety, 2020, <a href=\"https://www.cdc.gov/foodsafety/cdc-and-food-safety.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.cdc.gov/foodsafety/cdc-and-food-safety.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. CDC, How Food Gets Contaminated, 2017, <a href=\"https://www.cdc.gov/foodsafety/production-chain.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.cdc.gov/foodsafety/production-chain.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. NIDDK, Treatment for Food Poisoning, 2019, <a href=\"https://www.niddk.nih.gov/health-information/digestive-diseases/food-poisoning/treatment\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.niddk.nih.gov/health-information/digestive-diseases/food-poisoning/treatment</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">4. CDC, Foods That Can Cause Food Poisoning, 2020, <a href=\"https://www.cdc.gov/foodsafety/foods-linked-illness.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.cdc.gov/foodsafety/foods-linked-illness.html</a></span></em>','Food Contamination: Ways To Avoid The Potential Dangers And Keep Food Safe','','publish','open','open','','food-contamination-ways-to-avoid-the-potential-dangers-and-keep-food-safe','','','2023-03-19 17:40:35','2023-03-19 17:40:35','',0,'http://cmdev-site1.com/?p=68',0,'post','',0),(69,1,'2023-03-01 14:08:50','2023-03-01 14:08:50','Senior woman checking expiration date on food product','Senior woman checking expiration date on food product','','inherit','open','closed','','senior-woman-checking-expiration-date-on-food-product','','','2023-03-01 14:09:19','2023-03-01 14:09:19','',68,'http://cmdev-site1.com/wp-content/uploads/2023/03/Woman-looking-at-expiration-date-on-food-1000x667-1.jpg',0,'attachment','image/jpeg',0),(70,1,'2023-03-01 14:10:17','2023-03-01 14:10:17','<div class=\"article_info\">By Lucille Reed • March 31, 2021</div>\r\n<div></div>\r\n<div class=\"article_info\">As the weather warms up and families eat more of their meals outdoors, it’s easy for a potentially hazardous scenario to become a reality: food contamination. According to the CDC, foodborne illness is a common public health issue.</div>\r\n<div></div>\r\n<div class=\"article_info\">Estimates are that one in six Americans get sick from contaminated foods or beverages each year. Three thousand Americans die from such illnesses every year.<sup>1</sup></div>\r\n<div></div>\r\n<div class=\"article_info\">So what is food contamination, why is it potentially hazardous, and what are the ways people can practice safe food handling and preparation?</div>\r\n&nbsp;\r\n<h3>What are food contamination and food poisoning?</h3>\r\nFood contamination occurs when food is tainted with bacteria, mold, or other toxins at some point along the food production chain.<sup>2</sup> This can result in food poisoning when the food is ingested. Generally, the symptoms of food poisoning are similar to the stomach flu: nausea, vomiting, and other highly uncomfortable GI issues.<sup>3</sup>\r\n\r\nSometimes contaminated food can be easily identified, such as visibly moldy bread or smelly, rotten eggs. Other times, the bacteria, mold, or other contaminants cannot be seen by the naked eye.\r\n<h3>When food poisoning gets serious</h3>\r\nNo one likes to be sick. While many cases of food poisoning get better with time, there is a real risk of potential complications—especially dehydration and other serious health complications. Depending upon the contaminant, medical intervention may be necessary to help alleviate the symptoms or complications of food poisoning.<sup>3</sup> Contact your healthcare provider if you feel you need to be seen.\r\n<h3>Preventing foodborne illness</h3>\r\nPrevention is critical when it comes to food poisoning. Make sure you practice safe food preparation, storage, and serving protocols each time you prepare food for others—and for yourself. Keep foods at appropriate temperatures, and don’t let food sit out for extended periods of time.<sup>4</sup>\r\n\r\nExamine your food before ingesting it, especially canned and fresh fruit and veggies, to make sure the packaging is intact. Never eat food in which the packaging is cracked, has loose lids, or looks swollen. Practice good handwashing and hygiene when preparing foods, especially raw meats. Do not prepare foods if you are sick, especially with stomach-related illnesses.<sup>4</sup>\r\n\r\nFood contamination is a serious issue that impacts many Americans each year. Ensure you follow proper food handling practices to keep everyone at your outdoor meal safe.\r\n<h5><span style=\"font-size: 10pt;\">Sources:\r\n</span><em><span style=\"font-size: 8pt;\">1. CDC, CDC’s Role in Food Safety, 2020, <a href=\"https://www.cdc.gov/foodsafety/cdc-and-food-safety.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.cdc.gov/foodsafety/cdc-and-food-safety.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. CDC, How Food Gets Contaminated, 2017, <a href=\"https://www.cdc.gov/foodsafety/production-chain.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.cdc.gov/foodsafety/production-chain.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. NIDDK, Treatment for Food Poisoning, 2019, <a href=\"https://www.niddk.nih.gov/health-information/digestive-diseases/food-poisoning/treatment\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.niddk.nih.gov/health-information/digestive-diseases/food-poisoning/treatment</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">4. CDC, Foods That Can Cause Food Poisoning, 2020, <a href=\"https://www.cdc.gov/foodsafety/foods-linked-illness.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.cdc.gov/foodsafety/foods-linked-illness.html</a></span></em></h5>','Food Contamination: Ways To Avoid The Potential Dangers And Keep Food Safe','','inherit','closed','closed','','68-revision-v1','','','2023-03-01 14:10:17','2023-03-01 14:10:17','',68,'http://cmdev-site1.com/?p=70',0,'revision','',0),(71,1,'2023-03-01 14:17:24','2023-03-01 14:17:24','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Mike Elman</span></div>\r\n<div></div>\r\n<div class=\"article_info\">When you purchase a home, you’ll most likely have a mortgage along with it. Mortgages usually last about 30 years (though there are shorter options), which leaves you responsible for a monthly payment for a long period of time.<sup>1</sup></div>\r\n&nbsp;\r\n<h3>Life Insurance When You Have a Mortgage</h3>\r\nWhen making preparations for the future, people often purchase life insurance to help protect their loved ones in the event of their passing. When someone has a mortgage, a specific type of insurance they may consider is Mortgage Protection Insurance. This type of insurance is purchased to pay off the balance of a mortgage in case the insured dies, primarily so their family can stay in the home.\r\n<h3>How Mortgage Protection Insurance Works</h3>\r\nUnlike traditional life insurance, which has a constant benefit amount, Mortgage Protection Insurance has a benefit that usually decreases as the mortgage balance goes down over time. The premium amount typically remains constant.<sup>2</sup>\r\n\r\nInstead of the benefit going to a traditional beneficiary (like a spouse or other loved one), the benefit usually goes to the mortgage lender specifically to pay off the remainder of the mortgage.\r\n<h3>MPI vs. PMI</h3>\r\nMortgage Protection Insurance (MPI) is a voluntary insurance that the insured may choose to purchase to pay the lender in case they die before the mortgage is paid off. MPI should not be confused with Private Mortgage Insurance (PMI), which is not voluntary.\r\n\r\nWhen you take out a conventional mortgage loan without putting down 20 percent, some lenders might require you to get PMI. This pays the lender if you stop making payments and is not designed to protect you.<sup>2</sup>\r\n<h3>Key Takeaway</h3>\r\nMortgage Protection Insurance usually has a decreasing benefit amount that decreases as the mortgage balance goes down. The benefit goes to the mortgage lender.\r\n\r\nIf you want to know if Mortgage Protection Insurance is right for you, contact a financial advisor. If you want to know more about Mortgage Protection Insurance, contact a licensed insurance agent.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<span style=\"font-size: 10pt;\"><em><span style=\"font-size: 8pt;\">Sources:</span></em>\r\n</span><em><span style=\"font-size: 8pt;\">1. <a href=\"https://www.marketplace.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Marketplace</a>, “Why do we have a 30-year mortgage, anyway?” 2018</span></em>\r\n<em><span style=\"font-size: 8pt;\">2. <a href=\"https://www.forbes.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Forbes</a>, “The Keys to Mortgage Life Insurance” 2020</span></em>','What Is Mortgage Protection Insurance?','','publish','open','open','','what-is-mortgage-protection-insurance','','','2023-03-19 17:41:35','2023-03-19 17:41:35','',0,'http://cmdev-site1.com/?p=71',0,'post','',0),(72,1,'2023-03-01 14:16:37','2023-03-01 14:16:37','Happy multiethnic family sitting on sofa laughing together. Cheerful parents playing with their sons at home. Black father tickles his little boy while the mother and the brother smile.','Family having fun at home','','inherit','open','closed','','family-having-fun-at-home','','','2023-03-01 14:16:53','2023-03-01 14:16:53','',71,'http://cmdev-site1.com/wp-content/uploads/2023/03/Family-having-fun-at-home-1000x664-1.jpg',0,'attachment','image/jpeg',0),(73,1,'2023-03-01 14:17:24','2023-03-01 14:17:24','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Mike Elman</span></div>\r\n<div></div>\r\n<div class=\"article_info\">When you purchase a home, you’ll most likely have a mortgage along with it. Mortgages usually last about 30 years (though there are shorter options), which leaves you responsible for a monthly payment for a long period of time.<sup>1</sup></div>\r\n&nbsp;\r\n<h3>Life Insurance When You Have a Mortgage</h3>\r\nWhen making preparations for the future, people often purchase life insurance to help protect their loved ones in the event of their passing. When someone has a mortgage, a specific type of insurance they may consider is Mortgage Protection Insurance. This type of insurance is purchased to pay off the balance of a mortgage in case the insured dies, primarily so their family can stay in the home.\r\n<h3>How Mortgage Protection Insurance Works</h3>\r\nUnlike traditional life insurance, which has a constant benefit amount, Mortgage Protection Insurance has a benefit that usually decreases as the mortgage balance goes down over time. The premium amount typically remains constant.<sup>2</sup>\r\n\r\nInstead of the benefit going to a traditional beneficiary (like a spouse or other loved one), the benefit usually goes to the mortgage lender specifically to pay off the remainder of the mortgage.\r\n<h3>MPI vs. PMI</h3>\r\nMortgage Protection Insurance (MPI) is a voluntary insurance that the insured may choose to purchase to pay the lender in case they die before the mortgage is paid off. MPI should not be confused with Private Mortgage Insurance (PMI), which is not voluntary.\r\n\r\nWhen you take out a conventional mortgage loan without putting down 20 percent, some lenders might require you to get PMI. This pays the lender if you stop making payments and is not designed to protect you.<sup>2</sup>\r\n<h3>Key Takeaway</h3>\r\nMortgage Protection Insurance usually has a decreasing benefit amount that decreases as the mortgage balance goes down. The benefit goes to the mortgage lender.\r\n\r\nIf you want to know if Mortgage Protection Insurance is right for you, contact a financial advisor. If you want to know more about Mortgage Protection Insurance, contact a licensed insurance agent.\r\n\r\n<span style=\"font-size: 10pt;\">Sources:</span>\r\n<div><em><span style=\"font-size: 8pt;\">1. <a href=\"https://www.marketplace.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Marketplace</a>, “Why do we have a 30-year mortgage, anyway?” 2018</span></em>\r\n<em><span style=\"font-size: 8pt;\">2. <a href=\"https://www.forbes.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Forbes</a>, “The Keys to Mortgage Life Insurance” 2020</span></em></div>','What Is Mortgage Protection Insurance?','','inherit','closed','closed','','71-revision-v1','','','2023-03-01 14:17:24','2023-03-01 14:17:24','',71,'http://cmdev-site1.com/?p=73',0,'revision','',0),(74,1,'2023-03-01 14:23:59','2023-03-01 14:23:59','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\n<div></div>\r\n<div class=\"article_info\">Many Americans believe life insurance to be a necessity and include life insurance as part of their regular financial planning. With its ability to fill a variety of needs, like providing supplemental income or helping pay for college, life insurance can help young families provide continued financial security to their loved ones.</div>\r\n<div></div>\r\n<div class=\"article_info\">For this reason, it’s no surprise that many Americans believe that life insurance can be the most important purchase they make. But do young American families really need to consider purchasing life insurance so soon?</div>\r\n&nbsp;\r\n<h3>Why Young Families Should Consider Life Insurance</h3>\r\nLife insurance may be the most important purchase you make in your family. Why? Because it could help contribute to your family’s continued financial stability, security, and lifestyle in the event that something should happen to you or your spouse.\r\n\r\nAsk yourself, what would happen if you or your partner should die unexpectedly? How would bills get paid? Could your family’s financial security and well-being be put in jeopardy? Will your family be able to continue living in their home without your financial support?\r\n\r\nIf asking yourself these questions made you pause with uncertainty, it may be time to consider purchasing life insurance.\r\n<h3>What Young Families Should Know Before Selecting a Life Insurance Policy</h3>\r\nNow that you know you may need a life insurance policy, what type of policy should you consider purchasing? There are a few types of life insurance policies young families can choose from, with the most common options being term and whole life insurance.\r\n\r\nTerm life insurance and whole life insurance differ in that term life insurance only covers the insured for a set amount of time, while whole life insurance can cover the insured for their whole life (or until the policy is canceled).\r\n\r\nUltimately, when deciding on what type of life insurance policy to consider, your decision should be based on what you can afford, what you need, and your personal circumstances. Every young family is different, so there is no one-size-fits-all solution to selecting life insurance.\r\n<h3>Closing</h3>\r\nYoung families can perhaps benefit the most from a life insurance policy, as it can be one of the most important purchases any young family can make. While there is no one-size-fits-all to life insurance, young families should explore their options and consult a financial professional or insurance agent before making a selection.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.','Why Young Families Need Life Insurance','','publish','open','open','','why-young-families-need-life-insurance','','','2023-03-19 17:41:59','2023-03-19 17:41:59','',0,'http://cmdev-site1.com/?p=74',0,'post','',0),(75,1,'2023-03-01 14:21:42','2023-03-01 14:21:42','Parents and their children are looking at camera.','Parents and their children are looking at camera.','','inherit','open','closed','','parents-and-their-children-are-looking-at-camera','','','2023-03-01 14:21:59','2023-03-01 14:21:59','',74,'http://cmdev-site1.com/wp-content/uploads/2023/03/Happy-Family-1000x634-1.jpg',0,'attachment','image/jpeg',0),(76,1,'2023-03-01 14:23:59','2023-03-01 14:23:59','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\n<div></div>\r\n<div class=\"article_info\">Many Americans believe life insurance to be a necessity and include life insurance as part of their regular financial planning. With its ability to fill a variety of needs, like providing supplemental income or helping pay for college, life insurance can help young families provide continued financial security to their loved ones.</div>\r\n<div></div>\r\n<div class=\"article_info\">For this reason, it’s no surprise that many Americans believe that life insurance can be the most important purchase they make. But do young American families really need to consider purchasing life insurance so soon?</div>\r\n&nbsp;\r\n<h3>Why Young Families Should Consider Life Insurance</h3>\r\nLife insurance may be the most important purchase you make in your family. Why? Because it could help contribute to your family’s continued financial stability, security, and lifestyle in the event that something should happen to you or your spouse.\r\n\r\nAsk yourself, what would happen if you or your partner should die unexpectedly? How would bills get paid? Could your family’s financial security and well-being be put in jeopardy? Will your family be able to continue living in their home without your financial support?\r\n\r\nIf asking yourself these questions made you pause with uncertainty, it may be time to consider purchasing life insurance.\r\n<h3>What Young Families Should Know Before Selecting a Life Insurance Policy</h3>\r\nNow that you know you may need a life insurance policy, what type of policy should you consider purchasing? There are a few types of life insurance policies young families can choose from, with the most common options being term and whole life insurance.\r\n\r\nTerm life insurance and whole life insurance differ in that term life insurance only covers the insured for a set amount of time, while whole life insurance can cover the insured for their whole life (or until the policy is canceled).\r\n\r\nUltimately, when deciding on what type of life insurance policy to consider, your decision should be based on what you can afford, what you need, and your personal circumstances. Every young family is different, so there is no one-size-fits-all solution to selecting life insurance.\r\n<h3>Closing</h3>\r\nYoung families can perhaps benefit the most from a life insurance policy, as it can be one of the most important purchases any young family can make. While there is no one-size-fits-all to life insurance, young families should explore their options and consult a financial professional or insurance agent before making a selection.','Why Young Families Need Life Insurance','','inherit','closed','closed','','74-revision-v1','','','2023-03-01 14:23:59','2023-03-01 14:23:59','',74,'http://cmdev-site1.com/?p=76',0,'revision','',0),(77,1,'2023-03-01 14:32:09','2023-03-01 14:32:09','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Kat Donovan</span></div>\r\n<div class=\"article_info_bottom_line\"></div>\r\nWhile we cannot predict the future, we can always try and plan ahead. Life insurance is a great way to help your family plan for the future, as it can help to alleviate some financial pains on the chance a family member passes sooner than we hope.\r\n\r\nTo gather a better understanding of how life insurance can be used to create a future plan for your family, consider the four ways below.\r\n<h3>Funeral Expenses</h3>\r\nOne perk of buying life insurance is knowing you will be able to cover much, if not all, of the funeral expenses.<sup>1</sup> Considering funerals can be expensive, it can be smart to have this in your back pocket in case a family member dies. It helps you to plan because your day to day income and your savings shouldn’t be needed to cover these unexpected expenses.\r\n<h3>Mortgages</h3>\r\nHaving a family, you may have taken the jump to invest in a house. Unfortunately, if you die before it is paid off, that debt goes to your loved ones.<sup>2</sup> Your loved ones, unless they are particularly wealthy, may struggle to make payments to finish this line of debt.\r\n\r\nBy buying life insurance, you are planning for your family’s future to make sure any debt you may have left to them is minimal.\r\n<h3>Education</h3>\r\nMost people view college as a stepping stone and a necessity to getting good jobs. However, college can get very expensive. While there are different plans families use to save for college, you can also use life insurance.<sup>3</sup>\r\n\r\nA whole life plan has an added cash value where you may save your money tax-deferred a majority of the time.\r\n\r\nGenerally, you are able to borrow against this savings account associated with your life insurance policy to pay for college.<sup>3</sup> Life insurance can help your family plan for the future by ensuring their secondary education will be more affordable.\r\n<h3>Income</h3>\r\nDepending on your situation, you may be the breadwinner in your household. If you were to die, others would be lost without your income. Life insurance helps to make sure there is a source of funding for those dependent upon you after you pass.<sup>4</sup> You are helping to plan for your family’s future by attempting to ensure their financial stability regardless of whether you are alive.\r\n\r\nThere are so many wild cards in life. It’s hard to know where you will be in a week, let alone next year. To help you and your family plan for the future, look to a licensed life insurance agent in your area. They will be able to give you more information and knowledge on the best policy for your situation.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<span style=\"font-size: 10pt;\"><em><span style=\"font-size: 8pt;\">Sources:</span></em>\r\n</span><span style=\"font-size: 8pt;\">1. SmartAsset, Final Expense Insurance, 2018, <a href=\"https://smartasset.com/life-insurance/final-expense-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://smartasset.com/life-insurance/final-expense-insurance</a></span>\r\n<span style=\"font-size: 8pt;\">2. SmartAsset, Mortgage Protection Life Insurance, 2019, <a href=\"https://smartasset.com/life-insurance/mortgage-protection-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://smartasset.com/life-insurance/mortgage-protection-life-insurance</a></span>\r\n<span style=\"font-size: 8pt;\">3. Investopedia, Life Insurance VS 529, 2020, <a href=\"https://www.investopedia.com/articles/personal-finance/102915/life-insurance-vs-529.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/102915/life-insurance-vs-529.asp</a></span>\r\n<span style=\"font-size: 8pt;\">4. Investopedia, How Much Life Insurance Should You Carry? 2019, <a href=\"https://www.investopedia.com/articles/pf/06/insureneeds.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/pf/06/insureneeds.asp</a></span>','4 Ways Life Insurance Helps Families Plan For The Future','','publish','open','open','','4-ways-life-insurance-helps-families-plan-for-the-future','','','2023-03-19 17:42:27','2023-03-19 17:42:27','',0,'http://cmdev-site1.com/?p=77',0,'post','',0),(78,1,'2023-03-01 14:31:36','2023-03-01 14:31:36','concept of housing and relocation. happy family mother father and kids with roof at a  home','concept of housing and relocation. happy family mother father and kids with roof at home','','inherit','open','closed','','concept-of-housing-and-relocation-happy-family-mother-father-and-kids-with-roof-at-home','','','2023-03-01 14:31:54','2023-03-01 14:31:54','',77,'http://cmdev-site1.com/wp-content/uploads/2023/03/concept-of-housing-and-relocation.-happy-family-mother-father-and-kids-with-roof-at-home-1000x660-1.jpg',0,'attachment','image/jpeg',0),(79,1,'2023-03-01 14:32:09','2023-03-01 14:32:09','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Kat Donovan</span></div>\r\n<div class=\"article_info_bottom_line\"></div>\r\nWhile we cannot predict the future, we can always try and plan ahead. Life insurance is a great way to help your family plan for the future, as it can help to alleviate some financial pains on the chance a family member passes sooner than we hope.\r\n\r\nTo gather a better understanding of how life insurance can be used to create a future plan for your family, consider the four ways below.\r\n<h3>Funeral Expenses</h3>\r\nOne perk of buying life insurance is knowing you will be able to cover much, if not all, of the funeral expenses.<sup>1</sup> Considering funerals can be expensive, it can be smart to have this in your back pocket in case a family member dies. It helps you to plan because your day to day income and your savings shouldn’t be needed to cover these unexpected expenses.\r\n<h3>Mortgages</h3>\r\nHaving a family, you may have taken the jump to invest in a house. Unfortunately, if you die before it is paid off, that debt goes to your loved ones.<sup>2</sup> Your loved ones, unless they are particularly wealthy, may struggle to make payments to finish this line of debt.\r\n\r\nBy buying life insurance, you are planning for your family’s future to make sure any debt you may have left to them is minimal.\r\n<h3>Education</h3>\r\nMost people view college as a stepping stone and a necessity to getting good jobs. However, college can get very expensive. While there are different plans families use to save for college, you can also use life insurance.<sup>3</sup>\r\n\r\nA whole life plan has an added cash value where you may save your money tax-deferred a majority of the time.\r\n\r\nGenerally, you are able to borrow against this savings account associated with your life insurance policy to pay for college.<sup>3</sup> Life insurance can help your family plan for the future by ensuring their secondary education will be more affordable.\r\n<h3>Income</h3>\r\nDepending on your situation, you may be the breadwinner in your household. If you were to die, others would be lost without your income. Life insurance helps to make sure there is a source of funding for those dependent upon you after you pass.<sup>4</sup> You are helping to plan for your family’s future by attempting to ensure their financial stability regardless of whether you are alive.\r\n\r\nThere are so many wild cards in life. It’s hard to know where you will be in a week, let alone next year. To help you and your family plan for the future, look to a licensed life insurance agent in your area. They will be able to give you more information and knowledge on the best policy for your situation.\r\n\r\n<span style=\"font-size: 10pt;\">Sources:\r\n</span><span style=\"font-size: 8pt;\">1. SmartAsset, Final Expense Insurance, 2018, <a href=\"https://smartasset.com/life-insurance/final-expense-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://smartasset.com/life-insurance/final-expense-insurance</a></span>\r\n<span style=\"font-size: 8pt;\">2. SmartAsset, Mortgage Protection Life Insurance, 2019, <a href=\"https://smartasset.com/life-insurance/mortgage-protection-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://smartasset.com/life-insurance/mortgage-protection-life-insurance</a></span>\r\n<span style=\"font-size: 8pt;\">3. Investopedia, Life Insurance VS 529, 2020, <a href=\"https://www.investopedia.com/articles/personal-finance/102915/life-insurance-vs-529.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/102915/life-insurance-vs-529.asp</a></span>\r\n<span style=\"font-size: 8pt;\">4. Investopedia, How Much Life Insurance Should You Carry? 2019, <a href=\"https://www.investopedia.com/articles/pf/06/insureneeds.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/pf/06/insureneeds.asp</a></span>','4 Ways Life Insurance Helps Families Plan For The Future','','inherit','closed','closed','','77-revision-v1','','','2023-03-01 14:32:09','2023-03-01 14:32:09','',77,'http://cmdev-site1.com/?p=79',0,'revision','',0),(80,1,'2023-03-01 14:41:41','2023-03-01 14:41:41','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\r\n<div></div>\r\n<div class=\"article_info\">You purchased a life insurance policy to help protect your beneficiaries in the event of your passing. Whether you secured a policy due to your growing family, the purchase of a home, or some other life change, you recognized your family would need additional financial resources to help them in the event you pass.</div>\r\n&nbsp;\r\n\r\nBut how do you know how much life insurance coverage is enough? When is the right time to assess your life insurance options? In this article, we’ll explore three ways to help you know you should increase your life insurance coverage.\r\n<h3>Sign #1: You Make More Money</h3>\r\nWhen your income increases, so does the financial gap left behind in the event of your passing. Many consumers purchase life insurance as a way to help cover their income up to a certain amount after they pass away. If your income increases—especially if it dramatically increases—it may be time to look at your life insurance policy’s coverage limits and assess whether it’s a good idea to increase your insurance benefits.<sup>1</sup>\r\n<h3>Sign #2: You Grow Your Family</h3>\r\nAccording to the U.S. Department of Agriculture, the approximate cost of raising a child born in 2015 through age 17 for middle-income, married-couple parents is $233,610.<sup>2</sup> That figure doesn’t even include the costs of college tuition.\r\n\r\nWhen you decide to have a child or expand your family, it’s important to consider the costs of taking care of that child in the event of your passing. Evaluate what expenses they may need covered throughout childhood and beyond.\r\n\r\nThink about your financial goals and what savings vehicles you have in place for your family while you’re living. Consider how those financial needs might change once you’re gone. You may conclude you need to increase your life insurance benefits.\r\n<h3>Sign #3: You Acquire More Assets</h3>\r\nIf you make more money, purchase a house, or acquire other valuable assets, it may be time to increase your life insurance coverage limits. This is especially true for any resources you finance long-term.\r\n\r\nIf you have an asset that a spouse or partner cosigns on (such as a house), your partner will likely be left with the responsibility of paying for that home even after you’re gone. If your consistent income is a factor in the ability to comfortably repay the loans, then you might want to take a look at your life insurance coverage.\r\n\r\nLife insurance may cover much of the financial responsibility left behind in the event of your passing. It’s critical to assess your coverage when you acquire big-ticket assets.\r\n<h3>Conclusion</h3>\r\nThese three signs aren’t a comprehensive list. When planning your life insurance coverage, there are a number of factors to consider. Contact your life insurance agent or financial advisor to go through your individual financial situation to help make the best plan for your family.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<span style=\"font-size: 10pt;\"><em><span style=\"font-size: 8pt;\">Sources:</span></em>\r\n</span><em><span style=\"font-size: 8pt;\">1. <a href=\"https://lifehappens.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Life Happens</a>, 5 Signs You Need to Up Your Life Insurance Coverage, 2018</span></em>\r\n<em><span style=\"font-size: 8pt;\">2. <a href=\"https://www.usda.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">USDA</a>, The Cost of Raising a Child, 2020</span></em>','3 Ways To Know It\'s Time To Increase Your Life Insurance Coverage','','publish','open','open','','3-ways-to-know-its-time-to-increase-your-life-insurance-coverage','','','2023-03-19 17:42:59','2023-03-19 17:42:59','',0,'http://cmdev-site1.com/?p=80',0,'post','',0),(81,1,'2023-03-01 14:40:49','2023-03-01 14:40:49','Woman\'s hands showing one, two and three fingers','','','inherit','open','closed','','one-two-and-three','','','2023-03-01 14:41:25','2023-03-01 14:41:25','',80,'http://cmdev-site1.com/wp-content/uploads/2023/03/Child-hands-showing-one-two-and-three-fingers-1000x667-1.jpg',0,'attachment','image/jpeg',0),(82,1,'2023-03-01 14:41:41','2023-03-01 14:41:41','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\r\n<div></div>\r\n<div class=\"article_info\">You purchased a life insurance policy to help protect your beneficiaries in the event of your passing. Whether you secured a policy due to your growing family, the purchase of a home, or some other life change, you recognized your family would need additional financial resources to help them in the event you pass.</div>\r\n&nbsp;\r\n\r\nBut how do you know how much life insurance coverage is enough? When is the right time to assess your life insurance options? In this article, we’ll explore three ways to help you know you should increase your life insurance coverage.\r\n<h3>Sign #1: You Make More Money</h3>\r\nWhen your income increases, so does the financial gap left behind in the event of your passing. Many consumers purchase life insurance as a way to help cover their income up to a certain amount after they pass away. If your income increases—especially if it dramatically increases—it may be time to look at your life insurance policy’s coverage limits and assess whether it’s a good idea to increase your insurance benefits.<sup>1</sup>\r\n<h3>Sign #2: You Grow Your Family</h3>\r\nAccording to the U.S. Department of Agriculture, the approximate cost of raising a child born in 2015 through age 17 for middle-income, married-couple parents is $233,610.<sup>2</sup> That figure doesn’t even include the costs of college tuition.\r\n\r\nWhen you decide to have a child or expand your family, it’s important to consider the costs of taking care of that child in the event of your passing. Evaluate what expenses they may need covered throughout childhood and beyond.\r\n\r\nThink about your financial goals and what savings vehicles you have in place for your family while you’re living. Consider how those financial needs might change once you’re gone. You may conclude you need to increase your life insurance benefits.\r\n<h3>Sign #3: You Acquire More Assets</h3>\r\nIf you make more money, purchase a house, or acquire other valuable assets, it may be time to increase your life insurance coverage limits. This is especially true for any resources you finance long-term.\r\n\r\nIf you have an asset that a spouse or partner cosigns on (such as a house), your partner will likely be left with the responsibility of paying for that home even after you’re gone. If your consistent income is a factor in the ability to comfortably repay the loans, then you might want to take a look at your life insurance coverage.\r\n\r\nLife insurance may cover much of the financial responsibility left behind in the event of your passing. It’s critical to assess your coverage when you acquire big-ticket assets.\r\n<h3>Conclusion</h3>\r\nThese three signs aren’t a comprehensive list. When planning your life insurance coverage, there are a number of factors to consider. Contact your life insurance agent or financial advisor to go through your individual financial situation to help make the best plan for your family.\r\n\r\n<span style=\"font-size: 10pt;\">Sources:\r\n</span><em><span style=\"font-size: 8pt;\">1. <a href=\"https://lifehappens.org/\" target=\"_blank\" rel=\"noopener noreferrer\">Life Happens</a>, 5 Signs You Need to Up Your Life Insurance Coverage, 2018</span></em>\r\n<em><span style=\"font-size: 8pt;\">2. <a href=\"https://www.usda.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">USDA</a>, The Cost of Raising a Child, 2020</span></em>','3 Ways To Know It\'s Time To Increase Your Life Insurance Coverage','','inherit','closed','closed','','80-revision-v1','','','2023-03-01 14:41:41','2023-03-01 14:41:41','',80,'http://cmdev-site1.com/?p=82',0,'revision','',0),(83,1,'2023-03-01 14:42:53','2023-03-01 14:42:53','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\nMany seniors are able to lead independent lives. But the aging process often requires getting in-home care or moving to assisted living so you or a loved one can continue leading a happy and fulfilling life.\n\nWhile the decision to opt for in-home care for yourself or a loved one is a very personal one, this article aims to help you decide when the time is right. There are considerations that both the senior and the caregiver should take into consideration.\n<h3>Senior Signs</h3>\nHere are five signs seniors may exhibit that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>1</sup>\n<ol>\n 	<li>Behavior changes</li>\n 	<li>Assistance with hygiene needed</li>\n 	<li>Worsening health conditions</li>\n 	<li>Increasing number of falls or accidents</li>\n 	<li>Signs of neglect around the home</li>\n</ol>\nThese can often be in conjunction with one another.\n<h3>Caregiver Signs</h3>\nIt is also important that the concerns of those providing care for family members be taken into consideration. As a caregiver, you cannot give your best if you are struggling to balance caring for your senior with other responsibilities like your work and family.<sup>2</sup>\n\nCaregivers may exhibit three signs that could help you recognize it’s time for a senior to consider in-home care or moving to an assisted living facility:<sup>3</sup>\n<ol>\n 	<li>Emotional burnout</li>\n 	<li>Physical burnout</li>\n 	<li>Role confusion</li>\n</ol>\nThe transition to getting in-home care or moving to assisted living is a sensitive and personal decision.\n\nRecognizing some signs of decline in seniors and caregivers may help ease the transition. Communication and coordination between caregivers and seniors are key throughout the aging process.<sup>2</sup>\n\n<span style=\"font-size: 8pt;\">Sources:</span>\n<div>\n\n<span style=\"font-size: 8pt;\"><em>1. WAHCA, 5 Signs That It Might Be Time to Consider Home Care, 2019, <a href=\"https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/\" target=\"_blank\" rel=\"noopener noreferrer\">https://wahca.org/home-care/in-home-care/5-signs-that-it-might-be-time-to-consider-home-care/</a></em></span>\n\n<span style=\"font-size: 8pt;\"><em>2. Johns Hopkins Medicine, Caregiving: Knowing When It’s Time for In-Home Help, 2021, <a href=\"https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.hopkinsmedicine.org/health/wellness-and-prevention/caregiving-knowing-when-its-time-for-in-home-help</a></em></span>\n\n<span style=\"font-size: 8pt;\"><em>3. Assistedliving.org, 5 Signs It’s Time to Hire a Home Health Aide, n.d. 2021, <a href=\"https://www.assistedliving.org/hire-a-home-health-aide/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.assistedliving.org/hire-a-home-health-aide/</a></em></span>\n\n</div>','Key Signs It’s Time To Get In-Home Care Or Move To An Assisted Living Facility','','inherit','closed','closed','','54-autosave-v1','','','2023-03-01 14:42:53','2023-03-01 14:42:53','',54,'http://cmdev-site1.com/?p=83',0,'revision','',0),(85,1,'2023-03-01 14:44:43','2023-03-01 14:44:43','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\n<div></div>\n<div class=\"article_info\">This situation may be familiar to you: You’ve made the decision to help protect your family and are considering purchasing life insurance as a means to do so. However, as you start looking into life insurance options, you begin to feel overwhelmed by the amount of choices available to you and may even be confused if you qualify for life insurance.</div>\n<div></div>\n<div class=\"article_info\">In this article, we’ll discuss one specific type of whole life insurance: graded death benefit whole life insurance. Read on to learn more about what a graded death benefit whole life insurance policy is, how it works, and considerations to make before purchasing it.</div>\n&nbsp;\n\nGraded death benefit whole life policies are a type of whole life insurance. Life insurance policies are offered in two major types: term life and whole life policies.\n\n<a href=\"https://www.globelifeinsurance.com/article/how-long-term-life-policy\" target=\"_blank\" rel=\"noopener noreferrer\">Term life insurance</a> is a type of life insurance policy that pays a stated death benefit in the event the person insured dies during the specified term of coverage.\n\n<a href=\"https://www.globelifeinsurance.com/article/what-is-whole-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">Traditional whole life insurance</a>, meanwhile, provides permanent death benefit coverage for the life of the insured. Whole life insurance may also carry a cash value component, which allows the policyholder to build <a href=\"https://home.globelifeinsurance.com/articles/august-2020/can-whole-life-insurance-be-used-to-save-for-c-(1)\" target=\"_blank\" rel=\"noopener noreferrer\">cash value</a> after a certain amount of time via the payment of premiums.\n\nWhat are the requirements for purchasing life insurance? Is a medical exam or health application required?\n\nLife insurance providers may require you to provide evidence of insurability prior to issuing you coverage. Evidence of insurability may involve you undergoing a medical exam or answering a health questionnaire.\n\nThis is not a comprehensive list of requirements that may be involved in purchasing life insurance.\n<h3>What is a graded death benefit whole life insurance policy?</h3>\nA graded death benefit whole life insurance policy is a type of whole life insurance. It may provide people not approved for standard life insurance an option to purchase life insurance.\n\nWhy? A medical exam is usually not required for a graded death benefit whole life insurance policy. As such, it may be an attractive option for people who have been declined for coverage due to personal health or other reasons like heart conditions, cancer, or even stroke.\n<h3>How does a graded death benefit whole life insurance policy work?</h3>\nA graded death benefit whole life insurance policy often works like a normal whole life insurance policy, except it usually has a waiting period, typically two to three years, before it will pay the full amount of death benefits. In the event your death occurs during the waiting period, a graded death benefit whole life insurance policy may pay a lower amount to your beneficiaries.\n\nWhat might you consider before purchasing a graded death benefit whole life insurance policy?\n\nYou may want to consider the following before purchasing a graded death benefit whole life insurance policy:\n<ol>\n 	<li><strong>Consider your health.</strong>\nA graded death benefit whole life insurance policy may offer those with significant risk factors a way to get life insurance. It may also be an appropriate option for you if you consider undergoing a health exam or a more exhaustive health screening a hassle.</li>\n 	<li><strong>Consider whether or not you want a type of whole life insurance policy.</strong>\nA graded death benefit policy is a type of whole life insurance. It provides coverage for the life of the insured, unlike term life insurance policies that expire after a certain time period.</li>\n 	<li><strong>Consider the waiting period and associated premiums.</strong>\nPremiums usually do not increase year-to-year for a graded death benefit whole life insurance policy. After the waiting period, the policy’s benefits will increase to the face value—the full insurance coverage amount—of the policy.</li>\n</ol>\nThis is not a comprehensive list of factors you may want to consider before purchasing a graded death benefit whole life insurance policy.\n<h3>A graded death benefit whole life insurance policy may be a helpful insurance coverage option for you.</h3>\nA graded death whole life insurance policy may be a helpful insurance coverage option for you. It may be able to help provide you with financial protection if you would not otherwise qualify for life insurance due to a pre-existing or chronic health condition or illness. A graded death benefit whole life insurance policy may require a waiting period to pass before paying out on the policy.\n\nContact a licensed insurance professional to find out more about graded death benefit whole life insurance policies and to discuss your insurance needs.','How Does A Graded Death Benefit Whole Life Insurance Policy Work?','','inherit','closed','closed','','57-autosave-v1','','','2023-03-01 14:44:43','2023-03-01 14:44:43','',57,'http://cmdev-site1.com/?p=85',0,'revision','',0),(86,1,'2023-03-01 14:45:06','2023-03-01 14:45:06','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Lucille Reed</span></div>\r\n<div></div>\r\n<div class=\"article_info\">This situation may be familiar to you: You’ve made the decision to help protect your family and are considering purchasing life insurance as a means to do so. However, as you start looking into life insurance options, you begin to feel overwhelmed by the amount of choices available to you and may even be confused if you qualify for life insurance.</div>\r\n<div></div>\r\n<div class=\"article_info\">In this article, we’ll discuss one specific type of whole life insurance: graded death benefit whole life insurance. Read on to learn more about what a graded death benefit whole life insurance policy is, how it works, and considerations to make before purchasing it.</div>\r\n&nbsp;\r\n\r\nGraded death benefit whole life policies are a type of whole life insurance. Life insurance policies are offered in two major types: term life and whole life policies.\r\n\r\n<a href=\"https://www.globelifeinsurance.com/article/how-long-term-life-policy\" target=\"_blank\" rel=\"noopener noreferrer\">Term life insurance</a> is a type of life insurance policy that pays a stated death benefit in the event the person insured dies during the specified term of coverage.\r\n\r\n<a href=\"https://www.globelifeinsurance.com/article/what-is-whole-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">Traditional whole life insurance</a>, meanwhile, provides permanent death benefit coverage for the life of the insured. Whole life insurance may also carry a cash value component, which allows the policyholder to build <a href=\"https://home.globelifeinsurance.com/articles/august-2020/can-whole-life-insurance-be-used-to-save-for-c-(1)\" target=\"_blank\" rel=\"noopener noreferrer\">cash value</a> after a certain amount of time via the payment of premiums.\r\n\r\nWhat are the requirements for purchasing life insurance? Is a medical exam or health application required?\r\n\r\nLife insurance providers may require you to provide evidence of insurability prior to issuing you coverage. Evidence of insurability may involve you undergoing a medical exam or answering a health questionnaire.\r\n\r\nThis is not a comprehensive list of requirements that may be involved in purchasing life insurance.\r\n<h3>What is a graded death benefit whole life insurance policy?</h3>\r\nA graded death benefit whole life insurance policy is a type of whole life insurance. It may provide people not approved for standard life insurance an option to purchase life insurance.\r\n\r\nWhy? A medical exam is usually not required for a graded death benefit whole life insurance policy. As such, it may be an attractive option for people who have been declined for coverage due to personal health or other reasons like heart conditions, cancer, or even stroke.\r\n<h3>How does a graded death benefit whole life insurance policy work?</h3>\r\nA graded death benefit whole life insurance policy often works like a normal whole life insurance policy, except it usually has a waiting period, typically two to three years, before it will pay the full amount of death benefits. In the event your death occurs during the waiting period, a graded death benefit whole life insurance policy may pay a lower amount to your beneficiaries.\r\n\r\nWhat might you consider before purchasing a graded death benefit whole life insurance policy?\r\n\r\nYou may want to consider the following before purchasing a graded death benefit whole life insurance policy:\r\n<ol>\r\n 	<li><strong>Consider your health.</strong>\r\nA graded death benefit whole life insurance policy may offer those with significant risk factors a way to get life insurance. It may also be an appropriate option for you if you consider undergoing a health exam or a more exhaustive health screening a hassle.</li>\r\n 	<li><strong>Consider whether or not you want a type of whole life insurance policy.</strong>\r\nA graded death benefit policy is a type of whole life insurance. It provides coverage for the life of the insured, unlike term life insurance policies that expire after a certain time period.</li>\r\n 	<li><strong>Consider the waiting period and associated premiums.</strong>\r\nPremiums usually do not increase year-to-year for a graded death benefit whole life insurance policy. After the waiting period, the policy’s benefits will increase to the face value—the full insurance coverage amount—of the policy.</li>\r\n</ol>\r\nThis is not a comprehensive list of factors you may want to consider before purchasing a graded death benefit whole life insurance policy.\r\n<h3>A graded death benefit whole life insurance policy may be a helpful insurance coverage option for you.</h3>\r\nA graded death whole life insurance policy may be a helpful insurance coverage option for you. It may be able to help provide you with financial protection if you would not otherwise qualify for life insurance due to a pre-existing or chronic health condition or illness.\r\n\r\nA graded death benefit whole life insurance policy may require a waiting period to pass before paying out on the policy.\r\n\r\nContact a licensed insurance professional to find out more about graded death benefit whole life insurance policies and to discuss your insurance needs.','How Does A Graded Death Benefit Whole Life Insurance Policy Work?','','inherit','closed','closed','','57-revision-v1','','','2023-03-01 14:45:06','2023-03-01 14:45:06','',57,'http://cmdev-site1.com/?p=86',0,'revision','',0),(87,1,'2023-03-01 14:46:17','2023-03-01 14:46:17','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\nWhen many of us think of our passing, we imagine it will be something that doesn’t happen until well into our old age. But what happens if the unthinkable happens and your life is taken in an accident?\n\nAccording to the CDC, each year, there are more than 170,000 deaths attributed to unintentional injuries, including motor vehicle accidents.<sup>1</sup>\n<h3>Simply put: Accidents happen.</h3>\nSo, are you and your loved ones prepared in the event of a fatal accident? In this article, we’ll explore some ways you can shore up your life insurance protection to help benefit your loved ones in the event of your untimely (and accidental) passing.\n<h3>What is accidental death insurance?</h3>\nAccidental death insurance is often a clause or rider connected to a life insurance policy. It provides additional benefits to beneficiaries in the event the insured passes away under the coverage period from a covered accident. The insured often pays an additional premium if this rider is added to their existing policy.\n<h3>What is considered an “accidental death”?</h3>\nAccidental deaths, in the eyes of many insurance companies, are those that occur as the result of an incident that’s caused by forces outside of your control.\n\nThink of car crashes, slips and falls, choking, drowning, machine accidents, and other situations that cannot be controlled and are deemed by the insurance company to be an accident.\n\nIncidences of an accidental death that stem from a hazardous activity, such as race car driving, base jumping, or sky diving, often aren’t covered under accidental death coverage. This is subject to the insurance company’s specific policy terms. Death from an illness is excluded. Deaths stemming from illegal activities can be excluded as well.\n<h3>Why might you want to consider accidental death coverage?</h3>\nAdding additional coverage to an existing life insurance policy can be a helpful benefit for your loved ones and beneficiaries. They can be even better protected in the event of your sudden, unforeseen passing.\n\nThe addition of accidental death coverage to your existing life insurance policy can provide extra help for your family in their time of need if they were to lose you to an accident.\n\n<span style=\"font-size: 10pt;\">Sources:\n</span><em><span style=\"font-size: 8pt;\">1. <a href=\"https://www.cdc.gov/nchs/fastats/accidental-injury.htm\" target=\"_blank\" rel=\"noopener noreferrer\">CDC, Accidents or Unintentional Injuries</a>, 2021</span></em>','Do I need Accidental Death Insurance?','','inherit','closed','closed','','61-autosave-v1','','','2023-03-01 14:46:17','2023-03-01 14:46:17','',61,'http://cmdev-site1.com/?p=87',0,'revision','',0),(88,1,'2023-03-01 14:46:24','2023-03-01 14:46:24','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\nWhen many of us think of our passing, we imagine it will be something that doesn’t happen until well into our old age. But what happens if the unthinkable happens and your life is taken in an accident?\r\n\r\nAccording to the CDC, each year, there are more than 170,000 deaths attributed to unintentional injuries, including motor vehicle accidents.<sup>1</sup>\r\n<h3>Simply put: Accidents happen.</h3>\r\nSo, are you and your loved ones prepared in the event of a fatal accident? In this article, we’ll explore some ways you can shore up your life insurance protection to help benefit your loved ones in the event of your untimely (and accidental) passing.\r\n<h3>What is accidental death insurance?</h3>\r\nAccidental death insurance is often a clause or rider connected to a life insurance policy. It provides additional benefits to beneficiaries in the event the insured passes away under the coverage period from a covered accident. The insured often pays an additional premium if this rider is added to their existing policy.\r\n<h3>What is considered an “accidental death”?</h3>\r\nAccidental deaths, in the eyes of many insurance companies, are those that occur as the result of an incident that’s caused by forces outside of your control.\r\n\r\nThink of car crashes, slips and falls, choking, drowning, machine accidents, and other situations that cannot be controlled and are deemed by the insurance company to be an accident.\r\n\r\nIncidences of an accidental death that stem from a hazardous activity, such as race car driving, base jumping, or sky diving, often aren’t covered under accidental death coverage. This is subject to the insurance company’s specific policy terms. Death from an illness is excluded. Deaths stemming from illegal activities can be excluded as well.\r\n<h3>Why might you want to consider accidental death coverage?</h3>\r\nAdding additional coverage to an existing life insurance policy can be a helpful benefit for your loved ones and beneficiaries. They can be even better protected in the event of your sudden, unforeseen passing.\r\n\r\nThe addition of accidental death coverage to your existing life insurance policy can provide extra help for your family in their time of need if they were to lose you to an accident.\r\n\r\n<span style=\"font-size: 10pt;\">Sources:\r\n</span><em><span style=\"font-size: 8pt;\">1. <a href=\"https://www.cdc.gov/nchs/fastats/accidental-injury.htm\" target=\"_blank\" rel=\"noopener noreferrer\">CDC, Accidents or Unintentional Injuries</a>, 2021</span></em>','Do I need Accidental Death Insurance?','','inherit','closed','closed','','61-revision-v1','','','2023-03-01 14:46:24','2023-03-01 14:46:24','',61,'http://cmdev-site1.com/?p=88',0,'revision','',0),(89,1,'2023-03-01 14:47:00','2023-03-01 14:47:00','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\n<div></div>\r\n<div class=\"article_info\">Eating healthy is not only good for your health and well-being, but it can also be extremely beneficial to your brain as well. According to experts, foods high in antioxidants and omega-3 fatty acids can improve brain health and memory.</div>\r\nThe following are six foods that can enhance brain function and protect it against diseases like dementia and Alzheimer’s...\r\n<ol>\r\n 	<li><strong>Walnuts – </strong>A 2009 study in the Journal of Nutrition revealed that a diet rich in nuts can actually reverse the signs of aging in the brain, including the ability to function and process information. In addition, a study performed in 2010 at the International Conference on Alzheimer’s disease showed that walnuts can improve learning, memory, and motor coordination. Walnuts are also known to be high in antioxidants, which some researchers believe may combat the damage done to the brain cells’ DNA.</li>\r\n 	<li><strong>Carrots – </strong>Not only have carrots been proven to be good for eyesight, but studies now show that they are great for the brain too. According to a 2007 article in the Archives of Internal Medicine, diets rich in beta-carotene over an extended period of time showed significant improvement in verbal memory and general cognition. In fact, scientists believe that beta-carotene can help eliminate the stress that contributes to brain aging.A study published in the 2010 Journal of Nutrition also revealed that carrots are high in luteolin. Luteolin is a compound that has been found to reduce age-related memory problems, as well as inflammation in the brain. Olive oil, peppers, and celery are also rich in luteolin.</li>\r\n 	<li><strong>Berries – </strong>Berries can provide a variety of health benefits, including memory improvement. The 2010 Journal of Agricultural and Food Chemistry noted that adults who suffered slight memory problems began to show memory and recall improvement after just twelve weeks of drinking wild blueberry juice. The study further showed that blueberries also helped with signs of depression in seniors.A 2009 study performed and recorded in the Journal of Nutrition showed that fruits high in antioxidants, such as blueberries and strawberries, can decrease stress in cells that are related to aging and increase certain brain functions.</li>\r\n 	<li><strong>Fish – </strong>According to recent studies, fish oil rich in omega-3 fatty acids may slow the cognitive decline that comes with age. A study in the journal Archives of Neurology found that people 65 and older who ate two meals a week for six years that included fish showed to have a 13 percent decrease in cognitive decline. Even those who only ate one meal with fish every week for six years demonstrated a ten percent decrease in cognitive decline. Fish is also a great resource for vitamin B12, which has been shown to help protect against Alzheimer’s disease.</li>\r\n 	<li><strong>Coffee/Tea – </strong>Coffee and tea have been shown to be beneficial in preventing Alzheimer’s disease and improving cognitive function. A study in the 2010 Journal of Alzheimer’s Disease noted that caffeinated coffee has been found to slow the progression of the disease or help prevent it from developing. Based on this finding, experts believe that coffee and tea may eventually be used as therapeutic treatment for people with Alzheimer’s disease.Research has also shown that tea can work as a protective agent for the brain. According to an article in the 2010 Journal of Nutrition, studies show that tea drinkers actually do better on memory tests and information processing than non-tea drinkers.</li>\r\n 	<li><strong>Spinach – </strong>Many health benefits come from spinach, including its ability to help to improve cognitive function. Scientists believe this is because it contains high amounts of vitamins C and E. According to a study published in the Journals of Gerontology in 2000, a diet rich in vitamin E increased brain and nerve tissue, as well as increased dopamine release into the brain, the chemical that allows information to be processed.Lastly, a study performed in 2000 and published in the journal Brain Research found that consuming spinach, strawberries, and blueberries can reverse age-related memory and motor deficits.</li>\r\n</ol>\r\nIn conclusion, these six brain foods may help improve brain health and perhaps even slow memory decline that can come with age.','6 Foods That Feed Your Brain','','inherit','closed','closed','','65-revision-v1','','','2023-03-01 14:47:00','2023-03-01 14:47:00','',65,'http://cmdev-site1.com/?p=89',0,'revision','',0),(90,1,'2023-03-01 14:50:05','2023-03-01 14:50:05','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\n<div></div>\n<div class=\"article_info\">Eating healthy is not only good for your health and well-being, but it can also be extremely beneficial to your brain as well. According to experts, foods high in antioxidants and omega-3 fatty acids can improve brain health and memory.</div>\nThe following are six foods that can enhance brain function and protect it against diseases like dementia and Alzheimer’s...\n<p style=\"padding-left: 40px;\"><strong>1. Walnuts – </strong>A 2009 study in the Journal of Nutrition revealed that a diet rich in nuts can actually reverse the signs of aging in the brain, including the ability to function and process information.</p>\n<p style=\"padding-left: 40px;\">In addition, a study performed in 2010 at the International Conference on Alzheimer’s disease showed that walnuts can improve learning, memory, and motor coordination. Walnuts are also known to be high in antioxidants, which some researchers believe may combat the damage done to the brain cells’ DNA.</p>\n<p style=\"padding-left: 40px;\"><strong>2. Carrots – </strong>Not only have carrots been proven to be good for eyesight, but studies now show that they are great for the brain too. According to a 2007 article in the Archives of Internal Medicine, diets rich in beta-carotene over an extended period of time showed significant improvement in verbal memory and general cognition.</p>\n<p style=\"padding-left: 40px;\">In fact, scientists believe that beta-carotene can help eliminate the stress that contributes to brain aging.</p>\n<p style=\"padding-left: 40px;\">A study published in the 2010 Journal of Nutrition also revealed that carrots are high in luteolin. Luteolin is a compound that has been found to reduce age-related memory problems, as well as inflammation in the brain. Olive oil, peppers, and celery are also rich in luteolin.</p>\n<p style=\"padding-left: 40px;\"><strong>3. Berries – </strong>Berries can provide a variety of health benefits, including memory improvement. The 2010 Journal of Agricultural and Food Chemistry noted that adults who suffered slight memory problems began to show memory and recall improvement after just twelve weeks of drinking wild blueberry juice. The study further showed that blueberries also helped with signs of depression in seniors.</p>\n<p style=\"padding-left: 40px;\">A 2009 study performed and recorded in the Journal of Nutrition showed that fruits high in antioxidants, such as blueberries and strawberries, can decrease stress in cells that are related to aging and increase certain brain functions.</p>\n<p style=\"padding-left: 40px;\"><strong>4. Fish – </strong>According to recent studies, fish oil rich in omega-3 fatty acids may slow the cognitive decline that comes with age. A study in the journal Archives of Neurology found that people 65 and older who ate two meals a week for six years that included fish showed to have a 13 percent decrease in cognitive decline.</p>\n<p style=\"padding-left: 40px;\">Even those who only ate one meal with fish every week for six years demonstrated a ten percent decrease in cognitive decline. Fish is also a great resource for vitamin B12, which has been shown to help protect against Alzheimer’s disease.</p>\n<p style=\"padding-left: 40px;\"><strong>5. Coffee/Tea – </strong>Coffee and tea have been shown to be beneficial in preventing Alzheimer’s disease and improving cognitive function. A study in the 2010 Journal of Alzheimer’s Disease noted that caffeinated coffee has been found to slow the progression of the disease or help prevent it from developing.</p>\n<p style=\"padding-left: 40px;\">Based on this finding, experts believe that coffee and tea may eventually be used as therapeutic treatment for people with Alzheimer’s disease.Research has also shown that tea can work as a protective agent for the brain.</p>\n<p style=\"padding-left: 40px;\">According to an article in the 2010 Journal of Nutrition, studies show that tea drinkers actually do better on memory tests and information processing than non-tea drinkers.</p>\n<p style=\"padding-left: 40px;\"><strong>6. Spinach – </strong>Many health benefits come from spinach, including its ability to help to improve cognitive function. Scientists believe this is because it contains high amounts of vitamins C and E.</p>\n<p style=\"padding-left: 40px;\">According to a study published in the Journals of Gerontology in 2000, a diet rich in vitamin E increased brain and nerve tissue, as well as increased dopamine release into the brain, the chemical that allows information to be processed.</p>\n<p style=\"padding-left: 40px;\">Lastly, a study performed in 2000 and published in the journal Brain Research found that consuming spinach, strawberries, and blueberries can reverse age-related memory and motor deficits.</p>\nIn conclusion, these six brain foods may help improve brain health and perhaps even slow memory decline that can come with age.','6 Foods That Feed Your Brain','','inherit','closed','closed','','65-autosave-v1','','','2023-03-01 14:50:05','2023-03-01 14:50:05','',65,'http://cmdev-site1.com/?p=90',0,'revision','',0),(91,1,'2023-03-01 14:50:26','2023-03-01 14:50:26','<div class=\"article_info\"><span style=\"font-size: 8pt;\">By Stacy Williams</span></div>\r\n<div></div>\r\n<div class=\"article_info\">Eating healthy is not only good for your health and well-being, but it can also be extremely beneficial to your brain as well. According to experts, foods high in antioxidants and omega-3 fatty acids can improve brain health and memory.</div>\r\nThe following are six foods that can enhance brain function and protect it against diseases like dementia and Alzheimer’s...\r\n<p style=\"padding-left: 40px;\"><strong>1. Walnuts – </strong>A 2009 study in the Journal of Nutrition revealed that a diet rich in nuts can actually reverse the signs of aging in the brain, including the ability to function and process information.</p>\r\n<p style=\"padding-left: 40px;\">In addition, a study performed in 2010 at the International Conference on Alzheimer’s disease showed that walnuts can improve learning, memory, and motor coordination.</p>\r\n<p style=\"padding-left: 40px;\">Walnuts are also known to be high in antioxidants, which some researchers believe may combat the damage done to the brain cells’ DNA.</p>\r\n<p style=\"padding-left: 40px;\"><strong>2. Carrots – </strong>Not only have carrots been proven to be good for eyesight, but studies now show that they are great for the brain too. According to a 2007 article in the Archives of Internal Medicine, diets rich in beta-carotene over an extended period of time showed significant improvement in verbal memory and general cognition.</p>\r\n<p style=\"padding-left: 40px;\">In fact, scientists believe that beta-carotene can help eliminate the stress that contributes to brain aging.</p>\r\n<p style=\"padding-left: 40px;\">A study published in the 2010 Journal of Nutrition also revealed that carrots are high in luteolin. Luteolin is a compound that has been found to reduce age-related memory problems, as well as inflammation in the brain. Olive oil, peppers, and celery are also rich in luteolin.</p>\r\n<p style=\"padding-left: 40px;\"><strong>3. Berries – </strong>Berries can provide a variety of health benefits, including memory improvement. The 2010 Journal of Agricultural and Food Chemistry noted that adults who suffered slight memory problems began to show memory and recall improvement after just twelve weeks of drinking wild blueberry juice. The study further showed that blueberries also helped with signs of depression in seniors.</p>\r\n<p style=\"padding-left: 40px;\">A 2009 study performed and recorded in the Journal of Nutrition showed that fruits high in antioxidants, such as blueberries and strawberries, can decrease stress in cells that are related to aging and increase certain brain functions.</p>\r\n<p style=\"padding-left: 40px;\"><strong>4. Fish – </strong>According to recent studies, fish oil rich in omega-3 fatty acids may slow the cognitive decline that comes with age. A study in the journal Archives of Neurology found that people 65 and older who ate two meals a week for six years that included fish showed to have a 13 percent decrease in cognitive decline.</p>\r\n<p style=\"padding-left: 40px;\">Even those who only ate one meal with fish every week for six years demonstrated a ten percent decrease in cognitive decline. Fish is also a great resource for vitamin B12, which has been shown to help protect against Alzheimer’s disease.</p>\r\n<p style=\"padding-left: 40px;\"><strong>5. Coffee/Tea – </strong>Coffee and tea have been shown to be beneficial in preventing Alzheimer’s disease and improving cognitive function. A study in the 2010 Journal of Alzheimer’s Disease noted that caffeinated coffee has been found to slow the progression of the disease or help prevent it from developing.</p>\r\n<p style=\"padding-left: 40px;\">Based on this finding, experts believe that coffee and tea may eventually be used as therapeutic treatment for people with Alzheimer’s disease.Research has also shown that tea can work as a protective agent for the brain.</p>\r\n<p style=\"padding-left: 40px;\">According to an article in the 2010 Journal of Nutrition, studies show that tea drinkers actually do better on memory tests and information processing than non-tea drinkers.</p>\r\n<p style=\"padding-left: 40px;\"><strong>6. Spinach – </strong>Many health benefits come from spinach, including its ability to help to improve cognitive function. Scientists believe this is because it contains high amounts of vitamins C and E.</p>\r\n<p style=\"padding-left: 40px;\">According to a study published in the Journals of Gerontology in 2000, a diet rich in vitamin E increased brain and nerve tissue, as well as increased dopamine release into the brain, the chemical that allows information to be processed.</p>\r\n<p style=\"padding-left: 40px;\">Lastly, a study performed in 2000 and published in the journal Brain Research found that consuming spinach, strawberries, and blueberries can reverse age-related memory and motor deficits.</p>\r\nIn conclusion, these six brain foods may help improve brain health and perhaps even slow memory decline that can come with age.','6 Foods That Feed Your Brain','','inherit','closed','closed','','65-revision-v1','','','2023-03-01 14:50:26','2023-03-01 14:50:26','',65,'http://cmdev-site1.com/?p=91',0,'revision','',0),(558,3,'2023-04-01 13:56:36','2023-04-01 13:56:36','<!-- wp:heading -->\n<h2>Who we are</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Our website address is: <a href=\"https://www.jsuttonfinancial.com/\" target=\"_blank\" rel=\"noopener\">https://www.jsuttonfinancial.com/</a>.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Comments</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When visitors leave comments on the site, we collect the data shown in the comments form and the visitor’s IP address and browser user agent string to help spam detection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Media</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Cookies</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select \"Remember Me,\" your login will persist for two weeks. If you log out of your account, the login cookies will be removed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Embedded content from other websites</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Who we share your data with</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you request a password reset, your IP address will be included in the reset email.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>How long we retain your data</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>What rights you have over your data</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2>Where your data is sent</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Visitor comments may be checked through an automated spam detection service.</p>\n<!-- /wp:paragraph -->','Privacy Policy','','inherit','closed','closed','','3-autosave-v1','','','2023-04-01 13:56:36','2023-04-01 13:56:36','',3,'http://cmdev-site1.com/?p=558',0,'revision','',0),(593,1,'2023-04-02 18:32:03','2023-04-02 18:32:03','[et_pb_section fb_built=\"1\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_padding=\"66px|||||\" min_height=\"200.8px\" custom_margin=\"-14px|||||\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" theme_builder_area=\"post_content\" custom_padding=\"||66px|||\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\" theme_builder_area=\"post_content\"][dsm_text_divider _builder_version=\"4.20.2\" _module_preset=\"default\" theme_builder_area=\"post_content\" header=\"Our Story\" header_text_color=\"#000000\" header_font_size=\"30px\" hover_enabled=\"0\" sticky_enabled=\"0\" header_level=\"h2\" header_text_align=\"center\" divider_style=\"dotted\" divider_weight=\"3px\"][/dsm_text_divider][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"Justin Confrence Room 2 Black & White Muted\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Justin-Confrence-Room-2-Black-White-Muted-scaled.jpg\" hover_enabled=\"0\" sticky_enabled=\"0\" custom_margin=\"-11px|||||\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" theme_builder_area=\"post_content\" custom_padding=\"66px||66px|||\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\" theme_builder_area=\"post_content\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" theme_builder_area=\"post_content\" hover_enabled=\"0\" sticky_enabled=\"0\" text_text_color=\"#FFFFFF\"]<p class=\"font_7\"><span>J. Sutton Financial was founded in 2022 with a vision to extend career opportunities beyond its home city.</span></p>\n<p class=\"font_7\"><span>We service clients and work as a team </span><span style=\"font-size: 14px;\">at our home office in Houston as well as 100% remote. This allows us to not only have an incredible office culture but also service more clients with an agent reach from coast-to-coast.</span></p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Our Story','','inherit','closed','closed','','26-revision-v1','','','2023-04-02 18:32:03','2023-04-02 18:32:03','',26,'http://cmdev-site1.com/?p=593',0,'revision','',0),(130,1,'2023-03-03 15:13:17','2023-03-03 15:13:17','[et_pb_section admin_label=\"section\"]\n			[et_pb_row admin_label=\"row\"]\n				[et_pb_column type=\"4_4\"][et_pb_text admin_label=\"Text\"]<div id=\"comp-l7tp3rv01\" class=\"KcpHeO tz5f0K comp-l7tp3rv01 wixui-text\" data-testid=\"richTextElement\">\n<h2 class=\"font_5\" style=\"text-align: center;\">Get to Know Us</h2>\n</div>\n<div id=\"comp-l7tp3rv4\" class=\"KcpHeO tz5f0K comp-l7tp3rv4 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_7\" style=\"text-align: center;\">J. Sutton Financial was founded in 2022 with a vision to extend career opportunities beyond its home city.</p>\n<p class=\"font_7\" style=\"text-align: center;\">We service clients and work as a team</p>\n<p class=\"font_7\" style=\"text-align: center;\">at our home office in Houston as well as 100% remote. This allows us to have an incredible office culture and service more clients with an agent reach from coast-to-coast.</p>\n\n<h2 class=\"font_5\" style=\"text-align: center;\">Partners</h2>\n<div id=\"comp-l6v9yz79\" class=\"BaOVQ8 tz5f0K comp-l6v9yz79 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><em><strong><span class=\"color_15\">Trusted and Endorsed</span></strong></em></p>\n\n</div>\n<div id=\"comp-l6v9yz791\" class=\"KcpHeO tz5f0K comp-l6v9yz791 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_9\" style=\"text-align: center;\"><span class=\"color_15\">J. Sutton Financial believes in delivering a wonderful experience, enterprise professionalism, and real results. Step one to our success has always been putting our clients first. We\'re always looking to grow with the right people. Take a look below to learn more about our partners and how you, too, can join our incredible team!</span></p>\n\n</div>\n</div>\n<div id=\"comp-l7tp3rv4\" class=\"KcpHeO tz5f0K comp-l7tp3rv4 wixui-text\" data-testid=\"richTextElement\">\n\n<img class=\"aligncenter size-medium wp-image-29\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/justinsuttonheadshotsmall-Black-White-300x284.png\" alt=\"\" width=\"300\" height=\"284\" />\n<div id=\"comp-l6v9yz7a\" class=\"KcpHeO tz5f0K comp-l6v9yz7a wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Justin Sutton</strong>\n</span>Owner/Founder</p>\n\n</div>\n<div id=\"comp-l6v9yz7a1\" class=\"KcpHeO tz5f0K comp-l6v9yz7a1 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Justin has worked in the financial services industry for over 8 years. In 2016 the Giddens Nation was formed, where Justin worked alongside brothers Ryan and Stephen, running a satellite office in Waco, TX, and eventually becoming the Senior Regional Director of the Giddens-Giddens Agency. In 2022 Justin formed J. Sutton Financial to extend the reach of the Giddens-Giddens agency into the 100% remote hemisphere of the Fin</span><span class=\"color_15\">ancial Services Industry.</span></p>\n\n\n</div>\n<img class=\"aligncenter size-medium wp-image-30\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/sethheadshot-Black-White-273x300.png\" alt=\"\" width=\"273\" height=\"300\" />\n\n</div>\n<div id=\"comp-l6v9yz7b2\" class=\"KcpHeO tz5f0K comp-l6v9yz7b2 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Seth Ordeneaux</strong>\n</span>Managing Director</p>\n\n</div>\n<div id=\"comp-l6v9yz7c\" class=\"KcpHeO tz5f0K comp-l6v9yz7c wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Since Starting with the company in April 2020, Seth has had the opportunity to learn from and develop some of the top leaders in our company. His ability to build relationships with his clients and colleagues has led him to become one of the Top managers in our industry, with several notable accomplishments from top representative to top manager in a very short amount of time.</span></p>\n\n\n</div>\n<img class=\"aligncenter size-medium wp-image-31\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/F588F955-17B7-46C3-AE39-F6F2077500AE_edited_edited-Black-White-300x292.png\" alt=\"\" width=\"300\" height=\"292\" />\n<div id=\"comp-l6v9yz7d\" class=\"KcpHeO tz5f0K comp-l6v9yz7d wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_6\" style=\"text-align: center;\"><span class=\"color_15\"><strong>Matthew Sutton</strong>\n</span>Managing Director</p>\n\n</div>\n<div id=\"comp-l6v9yz7d1\" class=\"KcpHeO tz5f0K comp-l6v9yz7d1 wixui-text\" data-testid=\"richTextElement\">\n<p class=\"font_8\" style=\"text-align: center;\"><span class=\"color_15\">Matthew\'s career has been nothing short of incredible. With just 5 years in the financial services industry, Matthew has accomplished achievement after achievement. In recent years he has won two separate contests (March Madness/Battle of the Nation), and if that wasn\'t enough, he also leads one of the most powerful teams in our industry.</span></p>\n\n\n<img class=\"aligncenter size-medium wp-image-32\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/322630_f5d4b3c18c504cd7a2cadd94a2a0cf51_mv2-Black-White-300x293.png\" alt=\"\" width=\"300\" height=\"293\" />\n<p style=\"text-align: center;\"><strong>Andres Cano</strong>\nManaging Director</p>\n<p style=\"text-align: center;\">Andres\' career with J. Sutton Financial started in the middle of the pandemic. As a recent college graduate from the University of Texas at El Paso, Andres found an opportunity to excel within a troubling job market at J. Sutton Financial. Andres is currently working with his team on the expansion of our Latino Division.</p>\n\n\n<hr />\n\n\n\n<hr />\n\n</div>[/et_pb_text][/et_pb_column]\n			[/et_pb_row]\n		[/et_pb_section]','Our Story','','inherit','closed','closed','','26-revision-v1','','','2023-03-03 15:13:17','2023-03-03 15:13:17','',26,'http://cmdev-site1.com/?p=130',0,'revision','',0),(138,1,'2023-03-19 03:31:43','2023-03-19 03:31:43','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" _module_preset=\"bfc539b2-ac54-4571-be42-6a549fd9d36c\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/04/Header-Full-Color-2200x1028-2.png\" parallax=\"on\" min_height=\"700px\" custom_margin=\"||-45px|||\" custom_padding=\"23px||30px|||\" hover_transition_speed_curve=\"ease-out\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"|auto||27px||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_menu submenu_direction=\"downwards\" active_link_color=\"#FFFFFF\" dropdown_menu_bg_color=\"#FFFFFF\" dropdown_menu_line_color=\"#003372\" dropdown_menu_text_color=\"#000000\" mobile_menu_bg_color=\"#FFFFFF\" mobile_menu_text_color=\"#000000\" logo=\"http://cmdev-site1.com/wp-content/uploads/2023/03/j-sutton-logo-white-no-background.png\" logo_width=\"20%\" menu_icon_color=\"#FFFFFF\" dropdown_menu_line_color_tablet=\"#003372\" dropdown_menu_line_color_phone=\"#003372\" dropdown_menu_line_color_last_edited=\"on|phone\" mobile_menu_bg_color_tablet=\"#FFFFFF\" mobile_menu_bg_color_phone=\"#FFFFFF\" mobile_menu_bg_color_last_edited=\"on|phone\" logo_width_tablet=\"20%\" logo_width_phone=\"75%\" logo_width_last_edited=\"on|phone\" module_class=\"menu\" _builder_version=\"4.20.2\" _module_preset=\"default\" menu_font=\"||||||||\" menu_text_color=\"#FFFFFF\" menu_font_size=\"18px\" background_enable_color=\"off\" 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header_text_align=\"center\" min_height=\"100px\" custom_margin=\"||-12px|||\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]<h1><span style=\"color: #ffffff;\">Planning for a <em>better</em> financial future </span></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin_tablet=\"\" custom_margin_phone=\"\" custom_margin_last_edited=\"on|desktop\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_button button_url=\"/products-services/\" button_text=\"Learn More\" button_alignment=\"center\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#000000\" button_bg_color=\"#ffffff\" button_border_width=\"0px\" button_border_radius=\"14px\" custom_margin=\"|||150px|false|false\" custom_margin_tablet=\"|||150px|false|false\" custom_margin_phone=\"|||0px|false|false\" custom_margin_last_edited=\"on|phone\" global_colors_info=\"{}\"][/et_pb_button][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_button button_url=\"/careers/\" button_text=\"Work With Us\" button_alignment=\"center\" _builder_version=\"4.20.4\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#000000\" button_bg_color=\"#ffffff\" button_border_width=\"0px\" button_border_radius=\"14px\" custom_margin=\"|150px|||false|false\" custom_margin_tablet=\"|150px|||false|false\" custom_margin_phone=\"|0px|||false|false\" custom_margin_last_edited=\"on|desktop\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_color=\"rgba(158,153,153,0.1)\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_3,2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"1_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_perspective_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/04/Thumbs-Up-Icon-No-Background-Hex-666666.png\" align=\"center\" always_center_on_mobile=\"off\" _builder_version=\"4.20.4\" _module_preset=\"default\" width=\"70%\" width_tablet=\"70%\" width_phone=\"50%\" width_last_edited=\"on|desktop\" module_alignment=\"right\" custom_margin=\"||||false|false\" custom_margin_tablet=\"|37px||89px|false|false\" custom_margin_phone=\"|0px||0px|false|false\" custom_margin_last_edited=\"on|phone\" custom_padding=\"33px|1px||||\" custom_padding_tablet=\"33px|1px||||\" custom_padding_phone=\"0px|0px|||false|false\" custom_padding_last_edited=\"on|phone\" animation_style=\"roll\" animation_direction=\"left\" animation_duration=\"1250ms\" hover_enabled=\"0\" module_alignment_tablet=\"center\" module_alignment_phone=\"center\" module_alignment_last_edited=\"on|desktop\" global_colors_info=\"{}\" sticky_enabled=\"0\"][/dsm_perspective_image][/et_pb_column][et_pb_column type=\"2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" header_2_text_align=\"center\" custom_margin=\"||18px|-20px||\" custom_padding=\"57px|||||\" global_colors_info=\"{}\"]<h2><strong>Providing Premium Life Insurance Policies to Americans Nationwide</strong></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"-7px|||-17px||\" global_colors_info=\"{}\"]<p>Sutton Financial provides high quality life insurance policies to Texans. Our agents proudly serve individuals from all walks of life, and can help you choose the right insurance policy to protect you and yours for years to come. J. Sutton Financial agents take pride in being approachable and easy to work with, helping you to make the right decisions for your family for decades to come.</p>[/et_pb_text][dsm_button button_one_text=\"Learn More\" button_one_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI2In19@\" button_one_lightbox_close_color=\"#FFFFFF\" button_two_lightbox_close_color=\"#FFFFFF\" button_alignment=\"center\" _builder_version=\"4.20.2\" _dynamic_attributes=\"button_one_url\" _module_preset=\"default\" custom_button_one=\"on\" button_one_text_color=\"#FFFFFF\" button_one_bg_color=\"#003372\" button_one_border_width=\"0px\" button_one_border_color=\"RGBA(255,255,255,0)\" button_one_border_radius=\"14px\" custom_button_two=\"on\" button_two_text_color=\"#000000\" button_two_bg_color=\"#ffffff\" button_two_border_width=\"0px\" button_two_border_color=\"RGBA(255,255,255,0)\" button_two_border_radius=\"14px\" custom_margin=\"||10px|||\" box_shadow_style_button_one=\"preset2\" global_colors_info=\"{}\"][/dsm_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"-15px|||||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" header_2_text_align=\"center\" global_colors_info=\"{}\"]<h2><strong>Want To Know How Much Insurance You Need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][gravityform id=\"1\" title=\"false\" description=\"false\" ajax=\"true\"][/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_color=\"rgba(158,153,153,0.1)\" custom_margin=\"66px|||||\" custom_padding=\"1px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"2_3,1_3\" admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"10px|auto||auto||\" custom_padding=\"66px||66px|||\" global_colors_info=\"{}\"][et_pb_column type=\"2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#000000\" text_font_size=\"16px\" header_2_text_align=\"center\" header_2_text_color=\"#000000\" custom_padding=\"||0px|||\" global_colors_info=\"{}\"]<h2 style=\"text-align: center;\">Join Our Team!</h2>\n<p>J. Sutton Financial is always looking for new, motivated talent to join our fun team of highly trained agents and managers. If you\'re looking to break out of the standard mold and take your career to the next level, look no further. Find out how you can grow together with J. Sutton Financial.</p>[/et_pb_text][dsm_button button_one_text=\"Apply Now!\" button_one_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM4In19@\" button_alignment=\"center\" _builder_version=\"4.20.2\" _dynamic_attributes=\"button_one_url\" _module_preset=\"default\" custom_button_one=\"on\" button_one_text_color=\"#FFFFFF\" button_one_bg_color=\"#003372\" button_one_border_width=\"0px\" button_one_border_radius=\"14px\" box_shadow_style_button_one=\"preset2\" global_colors_info=\"{}\"][/dsm_button][/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_perspective_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/People-Icon.png\" always_center_on_mobile=\"off\" _builder_version=\"4.20.4\" _module_preset=\"default\" width=\"70%\" width_tablet=\"70%\" width_phone=\"50%\" width_last_edited=\"on|desktop\" module_alignment=\"left\" custom_margin=\"|||0px||\" custom_margin_tablet=\"|||0px||\" custom_margin_phone=\"|||0px||\" custom_margin_last_edited=\"on|desktop\" custom_padding=\"|||0px||\" animation_direction=\"left\" hover_enabled=\"0\" module_alignment_tablet=\"center\" module_alignment_phone=\"center\" module_alignment_last_edited=\"on|phone\" global_colors_info=\"{}\" sticky_enabled=\"0\"][/dsm_perspective_image][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Downtown-Houston-skyline-Black-White-6139-x-2500-scaled.jpg\" parallax=\"on\" custom_margin=\"-11px|||||\" custom_padding=\"11px||0px|||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"199.3px\" custom_padding=\"67px||141px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_typing_effect typing_effect=\"Proudly headquartered in Houston, Texas!\" typing_cursor_color=\"#FFFFFF\" typing_background_color=\"RGBA(255,255,255,0)\" _builder_version=\"4.20.2\" _module_preset=\"default\" header_level=\"h2\" header_text_align=\"center\" typing_text_color=\"#FFFFFF\" custom_margin=\"54px|||||\" global_colors_info=\"{}\"][/dsm_typing_effect][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_color=\"#666666\" custom_padding=\"0px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"2_5,3_5\" _builder_version=\"4.20.2\" _module_preset=\"default\" height=\"148px\" custom_margin=\"-20px|auto||auto|false|false\" custom_padding=\"66px||66px||false|false\" global_colors_info=\"{}\"][et_pb_column type=\"2_5\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/j-sutton-logo-white-no-background.png\" title_text=\"j sutton logo white no background\" _builder_version=\"4.20.2\" _module_preset=\"default\" width=\"46.1%\" width_tablet=\"75%\" width_phone=\"75%\" width_last_edited=\"on|phone\" module_alignment=\"center\" custom_margin=\"|188px||188px||true\" global_colors_info=\"{}\"][/et_pb_image][/et_pb_column][et_pb_column type=\"3_5\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" link_font=\"||||on|||#f9f9f9|dotted\" link_text_color=\"#f9f9f9\" background_layout=\"dark\" custom_margin=\"12px|||||\" custom_padding=\"0px|0px|0px|||\" global_colors_info=\"{}\"]<p style=\"text-align: center;\">340 North Sam Houston Parkway East<br />Houston, TX 77060<br /><a href=\"mailto:info@JSuttonFinancial.com\">info@JSuttonFinancial.com</a><br /><a href=\"tel:713-254-3439\">(713) 254-3439</a></p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"24.8px\" custom_margin=\"||66px|||\" global_colors_info=\"{}\"]<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">©2023 J. 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Sutton Financial, an Independent Agency for American Income Life Insurance Company </span></h1>[/et_pb_text][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" text_font_size=\"18px\" text_orientation=\"center\" custom_padding=\"||0px|||\" global_colors_info=\"{}\"]<p>J. Sutton Financial is headquartered in Houston, TX and serves multiple communities across the state.</p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_button button_one_text=\"Learn More\" button_one_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI2In19@\" button_one_lightbox_close_color=\"#FFFFFF\" button_two_text=\"Work for Us\" button_two_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM4In19@\" button_two_lightbox_close_color=\"#FFFFFF\" button_alignment=\"center\" _builder_version=\"4.20.2\" _dynamic_attributes=\"button_one_url,button_two_url\" _module_preset=\"default\" custom_button_one=\"on\" button_one_text_color=\"#000000\" button_one_bg_color=\"#ffffff\" button_one_border_width=\"0px\" button_one_border_color=\"RGBA(255,255,255,0)\" button_one_border_radius=\"14px\" custom_button_two=\"on\" button_two_text_color=\"#000000\" button_two_bg_color=\"#ffffff\" button_two_border_width=\"0px\" button_two_border_color=\"RGBA(255,255,255,0)\" button_two_border_radius=\"14px\" global_colors_info=\"{}\"][/dsm_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"18px||-35px|||\" custom_padding=\"0px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_3,2_3\" admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" width=\"100%\" max_width=\"100%\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" custom_padding=\"66px||66px|||\" global_colors_info=\"{}\"][et_pb_column type=\"1_3\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][dsm_perspective_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Umbrella-Roll-in-Icon.png\" title_text=\"Umbrella Roll in Icon\" _builder_version=\"4.20.2\" _module_preset=\"default\" width=\"70%\" custom_margin=\"|37px||89px||\" custom_padding=\"33px|1px||||\" animation_style=\"roll\" hover_enabled=\"0\" global_colors_info=\"{}\" animation_direction=\"left\" sticky_enabled=\"0\"][/dsm_perspective_image][/et_pb_column][et_pb_column type=\"2_3\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"||18px|-20px||\" custom_padding=\"57px|||||\" global_colors_info=\"{}\"]<h2><strong>Providing Premium Life Insurance<br />Policies to Americans Nationwide</strong></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"-7px|||-17px||\" global_colors_info=\"{}\"]<p>Sutton Financial provides high quality life insurance policies to Texans. Our agents proudly serve individuals from all walks of life, and can help you choose the right insurance policy to protect you and yours for years to come. J. Sutton Financial agents take pride in being approachable and easy to work with, helping you to make the right decisions for your family for decades to come.</p>[/et_pb_text][dsm_button button_one_text=\"Learn More\" button_one_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI2In19@\" button_one_lightbox_close_color=\"#FFFFFF\" button_two_lightbox_close_color=\"#FFFFFF\" button_alignment=\"center\" _builder_version=\"4.20.2\" _dynamic_attributes=\"button_one_url\" _module_preset=\"default\" custom_button_one=\"on\" button_one_text_color=\"#FFFFFF\" button_one_bg_color=\"#666666\" button_one_border_width=\"0px\" button_one_border_color=\"RGBA(255,255,255,0)\" button_one_border_radius=\"14px\" custom_button_two=\"on\" button_two_text_color=\"#000000\" button_two_bg_color=\"#ffffff\" button_two_border_width=\"0px\" button_two_border_color=\"RGBA(255,255,255,0)\" button_two_border_radius=\"14px\" global_colors_info=\"{}\"][/dsm_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_color=\"rgba(224,219,219,0.39)\" custom_margin=\"77px|||||\" custom_padding=\"1px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"2_3,1_3\" admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_margin=\"10px|auto||auto||\" custom_padding=\"66px||66px|||\" global_colors_info=\"{}\"][et_pb_column type=\"2_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" width=\"99.9%\" custom_margin=\"|-14px||||\" custom_padding=\"8px||0px|||\" global_colors_info=\"{}\"]<h2><strong>Looking for a New Career? Learn How Arias Can Help Grow Your Future.</strong></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#000000\" text_font_size=\"16px\" custom_padding=\"||0px|||\" global_colors_info=\"{}\"]<p>Sutton Financial is always looking for new, motivated talent to join our fun team of highly trained agents and managers. If you\'re looking to break out of the standard mold and take your career to the next level, look no further. Find out how you can grow together with J. Sutton Financial.</p>[/et_pb_text][dsm_button button_one_text=\"Apply Now!\" button_one_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM4In19@\" button_alignment=\"center\" _builder_version=\"4.20.2\" _dynamic_attributes=\"button_one_url\" _module_preset=\"default\" custom_button_one=\"on\" button_one_text_color=\"#000000\" button_one_bg_color=\"#FFFFFF\" button_one_border_width=\"0px\" button_one_border_radius=\"14px\" global_colors_info=\"{}\"][/dsm_button][/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_perspective_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/People-Icon.png\" title_text=\"People Icon\" _builder_version=\"4.20.2\" _module_preset=\"default\" width=\"70%\" custom_margin=\"|||0px||\" custom_padding=\"|||0px||\" animation_style=\"bounce\" hover_enabled=\"0\" global_colors_info=\"{}\" animation_direction=\"left\" sticky_enabled=\"0\"][/dsm_perspective_image][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Downtown-Houston-skyline-Black-White-6139-x-2500-scaled.jpg\" custom_margin=\"-11px|||||\" custom_padding=\"11px||0px|||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"199.3px\" custom_padding=\"||141px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" header_text_color=\"#FFFFFF\" header_2_text_color=\"#FFFFFF\" custom_margin=\"30px||||false|false\" custom_padding=\"148px||66px||false|false\" global_colors_info=\"{}\"]<h2 style=\"text-align: center;\">Proudly Headquartered in Houston, Texas</h2>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_color=\"#666666\" custom_padding=\"0px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"2_5,3_5\" _builder_version=\"4.20.2\" _module_preset=\"default\" height=\"148px\" custom_margin=\"-20px|auto||auto|false|false\" custom_padding=\"66px||66px||false|false\" global_colors_info=\"{}\"][et_pb_column type=\"2_5\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/j-sutton-logo-white-no-background.png\" title_text=\"j sutton logo white no background\" _builder_version=\"4.20.2\" _module_preset=\"default\" width=\"46.1%\" custom_margin=\"|188px||188px||true\" global_colors_info=\"{}\"][/et_pb_image][/et_pb_column][et_pb_column type=\"3_5\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" link_font=\"||||on|||#f9f9f9|dotted\" link_text_color=\"#f9f9f9\" background_layout=\"dark\" custom_margin=\"12px|||||\" custom_padding=\"0px|0px|0px|||\" global_colors_info=\"{}\"]<p style=\"text-align: center;\">340 North Sam Houston Parkway East<br />Houston, TX 77060<br /><a href=\"mailto:info@JSuttonFinancial.com\">info@JSuttonFinancial.com</a><br /><a href=\"tel:713-254-3439\">(713) 254-3439</a></p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" text_text_color=\"#FFFFFF\" link_font=\"||||on||||dotted\" link_text_align=\"center\" link_text_color=\"#FFFFFF\" text_orientation=\"center\" background_layout=\"dark\" min_height=\"24.8px\" custom_margin=\"||66px|||\" link_option_url_new_window=\"on\" global_colors_info=\"{}\"]<p>©2023 J. Sutton Financial | All Rights Reserved | <a href=\"/insurance-quote/\" target=\"_blank\" rel=\"noopener\">Privacy Policy</a></p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-04-02 19:15:56','2023-04-02 19:15:56','',138,'http://cmdev-site1.com/?p=624',0,'revision','',0),(560,3,'2023-04-01 14:10:07','2023-04-01 14:10:07','<!-- wp:heading -->\r\n<h2>Who we are</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Our website address is: <a href=\"https://www.jsuttonfinancial.com/\" target=\"_blank\" rel=\"noopener\">https://www.jsuttonfinancial.com/</a>.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Comments</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>When visitors leave comments on the site, we collect the data shown in the comments form and the visitor’s IP address and browser user agent string to help spam detection.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Media</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Cookies</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select \"Remember Me,\" your login will persist for two weeks. If you log out of your account, the login cookies will be removed.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Embedded content from other websites</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Who we share your data with</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you request a password reset, your IP address will be included in the reset email.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>How long we retain your data</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>What rights you have over your data</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Where your data is sent</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Visitor comments may be checked through an automated spam detection service.</p>\r\n<!-- /wp:paragraph -->','Privacy Policy','','inherit','closed','closed','','3-revision-v1','','','2023-04-01 14:10:07','2023-04-01 14:10:07','',3,'http://cmdev-site1.com/?p=560',0,'revision','',0),(169,1,'2023-03-06 14:27:28','2023-03-06 14:27:28','<!-- wp:heading -->\r\n<h2>Who we are</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p><strong class=\"privacy-policy-tutorial\">Suggested text: </strong>Our website address is: <a href=\"https://www.jsuttonfinancial.com/\" target=\"_blank\" rel=\"noopener\">https://www.jsuttonfinancial.com/</a>.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading -->\r\n<h2>Comments</h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph -->\r\n<p><strong class=\"privacy-policy-tutorial\">Suggested text: </strong>When visitors leave comments on the site, we collect the data shown in the comments form and the visitor’s IP address and browser user agent string to help spam detection.</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. 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Parents Making Symbolic Roof Joining Hands Above Their Kids Sitting On Floor At Home.','Parents Making Symbolic Roof Joining Hands Above Kids Sitting Indoors','\n','inherit','open','closed','','parents-making-symbolic-roof-joining-hands-above-kids-sitting-indoors','','','2023-03-14 13:26:27','2023-03-14 13:26:27','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/AdobeStock_373681300.jpeg',0,'attachment','image/jpeg',0),(312,3,'2023-03-14 13:27:29','2023-03-14 13:27:29','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nA lot of parents wonder if purchasing life insurance for their children is the right financial decision. However, with valid concerns for both sides of the argument, it can be hard to determine if purchasing life insurance for your child is the right decision.\r\n\r\nThis blog will cover everything you need to know about life insurance on children while presenting you the pros and cons of such an investment with insight from an array of experts.\r\n<h3>How Life Insurance on Children Works</h3>\r\nLife insurance on children is often marketed to parents and grandparents as a way to save for the child’s financial future while protecting the child’s insurability. While there are an array of child life insurance options available, most child life insurance policies are offered in the form of whole life, a type of permanent life insurance that includes a cash value component.<sup>1</sup>\r\n\r\nWhole life insurance policies that include a cash value component can be used to pay for a variety of things, including but not limited to college education, a car or housing down payment, medical bills, and more.\r\n\r\nSome argue that one of the most compelling features of child life insurance comes in the form of its cash value component, which is tax-deferred—meaning that it isn’t taxed as income until you withdraw money from the policy or surrender the policy entirely.<sup>1</sup>\r\n\r\nThat, and the slow but steady growth of cash value over time, can make child life insurance an alluring option for parents and grandparents looking to ensure the child protected is in the best possible financial position for the future.\r\n-\r\n<h3>The Pros and Cons</h3>\r\nAs mentioned, there are great points to consider for buying or not buying a life insurance policy for your child. But with so many conflicting opinions on the matter, it can be difficult to navigate.\r\n\r\nBelow, you’ll find a list of commonly associated pros and cons of child life insurance to help you make the best decision for your family.\r\n<ul>\r\n 	<li><strong>Pro:</strong> There are a number of factors that can impact your child’s future insurability, including high blood pressure, diabetes, and obesity, to name a few.<sup>2</sup> With this in mind, a child who develops any health issue early on in life may have trouble qualifying for life insurance coverage in the future, as they could be considered a higher risk.<sup>2</sup> By purchasing child life insurance coverage early, you can help ensure your child has coverage now and well into their adult life—regardless of any medical issues that may develop along the way.</li>\r\n 	<li><strong>Con:</strong> The chances of a child developing a health issue so early on in life are rare. So, investing in a child life insurance policy can be an expensive investment for such a minute risk.</li>\r\n 	<li><strong>Pro:</strong> Small policies can be affordable, with costs ranging from $5 to $15 a month.<sup>2</sup> While the death of a child is rare, being covered in the case of tragedy can help provide you with financial security in the worst possible situation imaginable.</li>\r\n 	<li><strong>Con:</strong> Statistically, the odds of a child dying are very slim. Some experts suggest stashing money into an emergency fund instead of investing in a child life policy, which would allow for the funds to be used in case of any crisis—not just the death of a child.<sup>1</sup></li>\r\n 	<li><strong>Pro:</strong> You can use the cash value your policy accrues to help your child pay for an array of costs, including college expenses, a car payment, or something else down the line.<sup>2</sup></li>\r\n 	<li><strong>Con:</strong> Some argue that there are better ways to save for your child’s financial future than with a child\'s life insurance policy. In fact, Carrie Houchins-Witt, a financial advisor in Iowa, states, “There are a multitude of opportunities to make a better return than through investing in life insurance.”<sup>1\r\n-</sup></li>\r\n</ul>\r\n<h3>To Summarize</h3>\r\nAs you can see, there are a number of arguments for and against child life insurance. However, expert opinions and blog postings aside, you know what path provides the best opportunity for you and your family.\r\n\r\nMake sure to take your unique situation into account and consult with your local insurance agent or financial advisor before proceeding with a child life insurance policy purchase.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Nerdwallet, Life Insurance for Children: The Cases for and Against, 2018, <a href=\"https://www.nerdwallet.com/blog/insurance/debate-over-life-insurance-for-children/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nerdwallet.com/blog/insurance/debate-over-life-insurance-for-children/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. The Balance, Top 5 Reasons to Buy Life Insurance for Your Children, 2019, <a href=\"https://www.thebalance.com/consider-buying-life-insurance-for-children-3129226\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/consider-buying-life-insurance-for-children-3129226</a></span></em>','Life Insurance On Children: What You Need To Know','','inherit','closed','closed','','311-revision-v1','','','2023-03-14 13:27:29','2023-03-14 13:27:29','',311,'http://cmdev-site1.com/?p=312',0,'revision','',0),(233,1,'2023-03-12 05:43:14','2023-03-12 05:43:14','.gform_wrapper.tc_wrapper {\r\n    width: 800px;\r\n    margin: 0 auto;\r\n    padding: 30px;\r\n    border: 1px solid rgba(0,0,0,.1);\r\n    border-radius: 8px;\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-12 05:43:14','2023-03-12 05:43:14','',35,'http://cmdev-site1.com/?p=233',0,'revision','',0),(232,1,'2023-03-12 05:40:23','2023-03-12 05:40:23','.gform_wrapper.tc_wrapper {\r\n    width: 800px;\r\n    margin: 0 auto;\r\n    background: rgba(0,0,0, .01);\r\n    padding: 30px;\r\n    border: 1px solid rgba(0,0,0,.1);\r\n    border-radius: 8px;\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-12 05:40:23','2023-03-12 05:40:23','',35,'http://cmdev-site1.com/?p=232',0,'revision','',0),(234,1,'2023-03-12 05:43:38','2023-03-12 05:43:38','.gform_wrapper.tc_wrapper {\r\n    width: 800px;\r\n    margin: 0 auto;\r\n    background: #fff;\r\n    padding: 30px;\r\n    border: 1px solid rgba(0,0,0,.1);\r\n    border-radius: 8px;\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-12 05:43:38','2023-03-12 05:43:38','',35,'http://cmdev-site1.com/?p=234',0,'revision','',0),(237,3,'2023-03-13 12:37:36','2023-03-13 12:37:36','<p><!-- wp:heading {\"textAlign\":\"center\"} --></p>\r\n<p><span style=\"background-color: #ffff99;\">The layout and verbiage are a go. I just need to pull photos for you. </span></p>\r\n<p>&nbsp;</p>\r\n<h1 class=\"has-text-align-center\" style=\"text-align: center;\">Grow Your Future With Us</h1>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} -->\r\n<h2 style=\"text-align: center;\">Interested in starting your career path and joining our team? <a>Let\'s Talk! </a></h2>\r\n<p>Some insurance companies only care about making money from their insurance policies. But at J. Sutton, we care about people. And Agents who choose to sell our life insurance have an opportunity to make an impact on their clients, their community, their family, and their career. There’s way more to it than meets the eye.</p>\r\n<p>J. Sutton Financial attracts a select group of leaders, entrepreneurs, and high achievers eager to jumpstart their sales careers with a fast-paced and stable company.</p>\r\n<h2 style=\"text-align: center;\">Opportunity <strong>Unlimited</strong></h2>\r\n<p>At J. Sutton Financial, \'Opportunity Unlimited\' means you decide what you are worth. As an independent contractor, you are in control. Your performance determines how much money you make and how far you take your career. Selling our products gives you the opportunity to earn as much as you desire.</p>\r\n<p class=\"has-text-align-center\" style=\"text-align: center;\">Learn about our available openings and how you can join our team today!</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>&nbsp;</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:image {\"id\":43,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\r\n<figure class=\"wp-block-image size-large\"><img class=\"wp-image-43\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/Careers-Photo-No-Background-1024x443.png\" alt=\"\" /></figure>\r\n<!-- /wp:image -->\r\n\r\n<!-- wp:paragraph --><!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading {\"textAlign\":\"center\"} -->\r\n<h2 class=\"has-text-align-center\" style=\"text-align: center;\"> </h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} --><!-- /wp:paragraph -->','Careers','','inherit','closed','closed','','38-revision-v1','','','2023-03-13 12:37:36','2023-03-13 12:37:36','',38,'http://cmdev-site1.com/?p=237',0,'revision','',0),(475,3,'2023-03-23 12:27:29','2023-03-23 12:27:29','','Umbrella Roll in Icon','','inherit','open','closed','','umbrella-roll-in-icon','','','2023-03-26 19:21:10','2023-03-26 19:21:10','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/Umbrella-Roll-in-Icon.png',0,'attachment','image/png',0),(469,3,'2023-03-23 12:23:38','2023-03-23 12:23:38','','Justin Confrence Room 2 Black & White Muted','','inherit','open','closed','','justin-confrence-room-2-black-white-muted','','','2023-03-23 12:23:38','2023-03-23 12:23:38','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/Justin-Confrence-Room-2-Black-White-Muted.jpg',0,'attachment','image/jpeg',0),(470,3,'2023-03-23 12:24:08','2023-03-23 12:24:08','','Happy family mother father and daughter walk on nature on sunset','Happy family mother father and daughter walk on nature on sunset hold hand','inherit','open','closed','','happy-family-mother-father-and-daughter-walk-on-nature-on-sunset','','','2023-03-23 12:24:08','2023-03-23 12:24:08','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/About-American-Life-Insurance-Muted.jpg',0,'attachment','image/jpeg',0),(240,3,'2023-03-13 12:39:23','2023-03-13 12:39:23','','Group of young people working or studying together. Hipster team','Group of young people working or studying together. Hipster team in coworking. Young modern business colleagues. Teamwork. Startup concept','inherit','open','closed','','group-of-young-people-working-or-studying-together-hipster-team','','','2023-03-13 12:39:23','2023-03-13 12:39:23','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/CALL-CENTER-Group-of-young-people-working-or-studying-together.-Hipster-team-in-coworking.-6960-x-4912.jpg',0,'attachment','image/jpeg',0),(241,3,'2023-03-13 12:43:13','2023-03-13 12:43:13','<p><!-- wp:heading {\"textAlign\":\"center\"} --></p>\r\n<p><span style=\"background-color: #ffff99;\">BOTTOM OF PAGE: The layout and verbiage are a go. I pulled the photos. They each have a title that matches the job description below.</span></p>\r\n<p>&nbsp;</p>\r\n<h1 class=\"has-text-align-center\" style=\"text-align: center;\">Grow Your Future With Us</h1>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} -->\r\n<h2 style=\"text-align: center;\">Interested in starting your career path and joining our team? <a>Let\'s Talk! </a></h2>\r\n<p>Some insurance companies only care about making money from their insurance policies. But at J. Sutton, we care about people. And Agents who choose to sell our life insurance have an opportunity to make an impact on their clients, their community, their family, and their career. There’s way more to it than meets the eye.</p>\r\n<p>J. Sutton Financial attracts a select group of leaders, entrepreneurs, and high achievers eager to jumpstart their sales careers with a fast-paced and stable company.</p>\r\n<h2 style=\"text-align: center;\">Opportunity <strong>Unlimited</strong></h2>\r\n<p>At J. Sutton Financial, \'Opportunity Unlimited\' means you decide what you are worth. As an independent contractor, you are in control. Your performance determines how much money you make and how far you take your career. Selling our products gives you the opportunity to earn as much as you desire.</p>\r\n<p class=\"has-text-align-center\" style=\"text-align: center;\">Learn about our available openings and how you can join our team today!</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>&nbsp;</p>\r\n<!-- /wp:paragraph -->\r\n\r\n<!-- wp:image {\"id\":43,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\r\n<figure class=\"wp-block-image size-large\"><img class=\"wp-image-43\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/02/Careers-Photo-No-Background-1024x443.png\" alt=\"\" /></figure>\r\n<!-- /wp:image -->\r\n\r\n<!-- wp:paragraph --><!-- /wp:paragraph -->\r\n\r\n<!-- wp:heading {\"textAlign\":\"center\"} -->\r\n<h2 class=\"has-text-align-center\" style=\"text-align: center;\"> </h2>\r\n<!-- /wp:heading -->\r\n\r\n<!-- wp:paragraph {\"align\":\"center\"} --><!-- /wp:paragraph -->','Careers','','inherit','closed','closed','','38-revision-v1','','','2023-03-13 12:43:13','2023-03-13 12:43:13','',38,'http://cmdev-site1.com/?p=241',0,'revision','',0),(242,3,'2023-03-13 13:02:40','2023-03-13 13:02:40','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nThere are many considerations to make when getting term life insurance, like which company to choose, how long of a term you should get, or who to name as the beneficiary. You also have to consider the policy’s face value.\r\n<h3>What is the Face Value?</h3>\r\nThe face value of a term life insurance policy is the benefit amount or the amount the beneficiary of the policy would get upon the death of the insured. The face value is determined when you purchase the policy.\r\n\r\nYou may be wondering, can I increase the face value of my term life insurance policy?\r\n<h3>It Depends on the Policy</h3>\r\nThere are many policies that have a built-in benefit with a guaranteed purchase option that makes it possible to increase the face value of the policy. You can also often purchase riders to provide additional coverage. The additional riders would have the same expiration as the base term policy.\r\n<h3>Increasing Term Life Insurance</h3>\r\nThere is a term life insurance product known as increasing term life insurance, and it works like it sounds: with a face value that increases over the course of the term. Sometimes people who anticipate needing more life insurance (if they expect to have a family, a mortgage, or a higher income and expenses) choose increasing term insurance.\r\n\r\nAs the face value increases, the premium typically increases as well.\r\n<h3>Do Your Research</h3>\r\nIf you want to increase the face value of your term life insurance policy, check the terms and conditions of the policy to see if that’s an option. You can also contact the insurance company or your licensed insurance agent to see if you can add riders to your policy.\r\n\r\nAlways be sure to understand the benefits and limitations of any life insurance policy before you purchase it, especially if you think you might be interested in getting a policy in which you can increase the face value.\r\n\r\nIf you have any questions about increasing the face value of a term life insurance policy, contact a licensed insurance agent.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.','Can I Increase The Face Value Of My Term Life Insurance?','','publish','open','open','','can-i-increase-the-face-value-of-my-term-life-insurance','','','2023-03-19 17:43:20','2023-03-19 17:43:20','',0,'http://cmdev-site1.com/?p=242',0,'post','',0),(243,3,'2023-03-13 13:02:00','2023-03-13 13:02:00','Businessman with money on his mind on chalkboard background','Businessman with money on mind','','inherit','open','closed','','businessman-with-money-on-mind','','','2023-03-13 13:02:27','2023-03-13 13:02:27','',242,'http://cmdev-site1.com/wp-content/uploads/2023/03/Businessman-with-money-on-mind-1000x657-1.jpg',0,'attachment','image/jpeg',0),(244,3,'2023-03-13 13:02:40','2023-03-13 13:02:40','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nThere are many considerations to make when getting term life insurance, like which company to choose, how long of a term you should get, or who to name as the beneficiary. You also have to consider the policy’s face value.\r\n<h3>What is the Face Value?</h3>\r\nThe face value of a term life insurance policy is the benefit amount or the amount the beneficiary of the policy would get upon the death of the insured. The face value is determined when you purchase the policy.\r\n\r\nYou may be wondering, can I increase the face value of my term life insurance policy?\r\n<h3>It Depends on the Policy</h3>\r\nThere are many policies that have a built-in benefit with a guaranteed purchase option that makes it possible to increase the face value of the policy. You can also often purchase riders to provide additional coverage. The additional riders would have the same expiration as the base term policy.\r\n<h3>Increasing Term Life Insurance</h3>\r\nThere is a term life insurance product known as increasing term life insurance, and it works like it sounds: with a face value that increases over the course of the term. Sometimes people who anticipate needing more life insurance (if they expect to have a family, a mortgage, or a higher income and expenses) choose increasing term insurance.\r\n\r\nAs the face value increases, the premium typically increases as well.\r\n<h3>Do Your Research</h3>\r\nIf you want to increase the face value of your term life insurance policy, check the terms and conditions of the policy to see if that’s an option. You can also contact the insurance company or your licensed insurance agent to see if you can add riders to your policy.\r\n\r\nAlways be sure to understand the benefits and limitations of any life insurance policy before you purchase it, especially if you think you might be interested in getting a policy in which you can increase the face value.\r\n\r\nIf you have any questions about increasing the face value of a term life insurance policy, contact a licensed insurance agent.','Can I Increase The Face Value Of My Term Life Insurance?','','inherit','closed','closed','','242-revision-v1','','','2023-03-13 13:02:40','2023-03-13 13:02:40','',242,'http://cmdev-site1.com/?p=244',0,'revision','',0),(399,3,'2023-03-19 17:43:20','2023-03-19 17:43:20','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nThere are many considerations to make when getting term life insurance, like which company to choose, how long of a term you should get, or who to name as the beneficiary. You also have to consider the policy’s face value.\r\n<h3>What is the Face Value?</h3>\r\nThe face value of a term life insurance policy is the benefit amount or the amount the beneficiary of the policy would get upon the death of the insured. The face value is determined when you purchase the policy.\r\n\r\nYou may be wondering, can I increase the face value of my term life insurance policy?\r\n<h3>It Depends on the Policy</h3>\r\nThere are many policies that have a built-in benefit with a guaranteed purchase option that makes it possible to increase the face value of the policy. You can also often purchase riders to provide additional coverage. The additional riders would have the same expiration as the base term policy.\r\n<h3>Increasing Term Life Insurance</h3>\r\nThere is a term life insurance product known as increasing term life insurance, and it works like it sounds: with a face value that increases over the course of the term. Sometimes people who anticipate needing more life insurance (if they expect to have a family, a mortgage, or a higher income and expenses) choose increasing term insurance.\r\n\r\nAs the face value increases, the premium typically increases as well.\r\n<h3>Do Your Research</h3>\r\nIf you want to increase the face value of your term life insurance policy, check the terms and conditions of the policy to see if that’s an option. You can also contact the insurance company or your licensed insurance agent to see if you can add riders to your policy.\r\n\r\nAlways be sure to understand the benefits and limitations of any life insurance policy before you purchase it, especially if you think you might be interested in getting a policy in which you can increase the face value.\r\n\r\nIf you have any questions about increasing the face value of a term life insurance policy, contact a licensed insurance agent.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.','Can I Increase The Face Value Of My Term Life Insurance?','','inherit','closed','closed','','242-revision-v1','','','2023-03-19 17:43:20','2023-03-19 17:43:20','',242,'http://cmdev-site1.com/?p=399',0,'revision','',0),(246,3,'2023-03-13 13:19:08','2023-03-13 13:19:08','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nMedicare is a federal health insurance program for people age 65 or older, certain people with disabilities, and people with End-Stage Renal Disease. As you near age 65, you’ll want to decide which type of Medicare coverage is best for you to enroll in Original Medicare (which can be paired with Medicare Supplement insurance) or Medicare Advantage.\r\n<h3>Public vs. Private</h3>\r\nOriginal Medicare, the public option, covers Medicare Part A and Part B. Medicare Part A helps cover hospital stays, care in skilled nursing facilities, hospice care, and some home health care.<sup>1</sup> Medicare Part B helps cover certain doctors’ services, preventative services, outpatient care, and medical supplies.<sup>1</sup>\r\n<h3>Original Medicare can be combined with Medicare Supplement Insurance</h3>\r\nMedicare Supplement insurance is meant to complement existing Original Medicare coverage to help with out of pocket expenses not covered.\r\n\r\nMedicare Supplement insurance can only be purchased when you have Original Medicare.\r\n<h3>Medicare Advantage</h3>\r\nMedicare Advantage Plans cover Medicare Part A, Part B, and usually Part D. They are offered by private companies approved by Medicare.\r\n\r\nMedicare Advantage cannot be combined with Medicare Supplement insurance.\r\n<h3>Original Medicare vs. Medicare Advantage</h3>\r\nBoth Original Medicare and Medicare Advantage allow you to use Medicare benefits, just in different ways.\r\n\r\nThis may seem like a lot to take in, so we’ve listed three factors you may want to consider when choosing the best Medicare coverage for you:\r\n<ol>\r\n 	<li>Hassle</li>\r\n 	<li>Coverage</li>\r\n 	<li>Choice</li>\r\n</ol>\r\n<h3>1. Hassle</h3>\r\n<strong>Original Medicare</strong>\r\nOriginal Medicare and Medicare, Supplement insurance policies, can’t drop your coverage. Both are guaranteed renewable, which means that as long as the premiums are paid on time, you will continue to be covered.\r\n\r\n<strong>Medicare Advantage</strong>\r\nThe coverage period for Medicare Advantage plans is one year. They have limited guarantees when it comes to coverage. They can change every year, drop your coverage, or change the providers in your network.\r\n\r\nThe federal government requires that plan sponsors send an Annual Notice of Change, or ANOC, to participants. An ANOC is sent to you each fall and “includes any changes in coverage, costs, or service area that will be effective in January.”<sup>2</sup>\r\n<h3>2. Coverage</h3>\r\n<strong>Original Medicare</strong>\r\nOriginal Medicare covers medical services and supplies in hospitals, doctors’ offices, and other healthcare settings. Services are either covered under Part A or Part B.\r\n\r\nMedicare Supplement insurance can help pay some of your out-of-pocket costs not covered by Medicare, like deductibles, coinsurance, copayments, etc.\r\n\r\n<strong>Medicare Advantage</strong>\r\nMedicare Advantage Plans cover Medicare Part A, Part B, and usually Part D. They are offered by private companies approved by Medicare. Medicare Supplement policies provide supplemental coverage for services that Original Medicare approves.\r\n<h3>3. Doctor and Hospital Choice</h3>\r\n<strong>Original Medicare</strong>\r\nOriginal Medicare allows you to choose from any doctor in the United States that accepts Medicare.\r\n\r\nUnder Medicare Supplement insurance, you can go to a doctor or hospital that accepts Original Medicare. If a doctor accepts Medicare, they generally accept Medicare Supplement insurance.\r\n\r\n<strong>Medicare Advantage</strong>\r\nWith Medicare Advantage, you can choose from a network of doctors that the provider has preapproved.\r\n\r\nIf you are considering Medicare Advantage and want to stay with your doctor or hospital, ensure the doctor or hospital is in the plan\'s network.\r\n<h3>Conclusion</h3>\r\nConsider your needs and priorities for Medicare coverage as you near age 65.\r\n\r\nResearch whether Original Medicare—by itself or paired with Medicare Supplement insurance—or Medicare Advantage will better suit your needs.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<span style=\"font-size: 8pt;\"><em>Sources:</em>\r\n1. <a href=\"https://www.medicare.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">Medicare.gov</a>, Understanding Medicare Advantage Plans, 2020</span>\r\n<span style=\"font-size: 8pt;\">2. <a href=\"https://www.medicare.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">Medicare.gov</a>, Plan Annual Notice of Change (ANOC), 2020</span>','How Do You Choose The Best Medicare Coverage?','','publish','open','open','','how-do-you-choose-the-best-medicare-coverage','','','2023-03-19 17:43:54','2023-03-19 17:43:54','',0,'http://cmdev-site1.com/?p=246',0,'post','',0),(247,3,'2023-03-13 13:18:19','2023-03-13 13:18:19','Medicare choices on a blackboard','cloud services fr','','inherit','open','closed','','cloud-services-fr','','','2023-03-13 13:18:44','2023-03-13 13:18:44','',246,'http://cmdev-site1.com/wp-content/uploads/2023/03/Medicare-Choices-Advantage-1000x657-1.jpg',0,'attachment','image/jpeg',0),(248,3,'2023-03-13 13:18:48','2023-03-13 13:18:48','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nMedicare is a federal health insurance program for people age 65 or older, certain people with disabilities, and people with End-Stage Renal Disease. As you near age 65, you’ll want to decide which type of Medicare coverage is best for you to enroll in Original Medicare (which can be paired with Medicare Supplement insurance) or Medicare Advantage.\r\n<h3>Public vs. Private</h3>\r\nOriginal Medicare, the public option, covers Medicare Part A and Part B. Medicare Part A helps cover hospital stays, care in skilled nursing facilities, hospice care, and some home health care.<sup>1</sup> Medicare Part B helps cover certain doctors’ services, preventative services, outpatient care, and medical supplies.<sup>1</sup>\r\n<h3>Original Medicare can be combined with Medicare Supplement Insurance</h3>\r\nMedicare Supplement insurance is meant to complement existing Original Medicare coverage to help with out of pocket expenses not covered.\r\n\r\nMedicare Supplement insurance can only be purchased when you have Original Medicare.\r\n<h3>Medicare Advantage</h3>\r\nMedicare Advantage Plans cover Medicare Part A, Part B, and usually Part D. They are offered by private companies approved by Medicare.\r\n\r\nMedicare Advantage cannot be combined with Medicare Supplement insurance.\r\n<h3>Original Medicare vs. Medicare Advantage</h3>\r\nBoth Original Medicare and Medicare Advantage allow you to use Medicare benefits, just in different ways.\r\n\r\nThis may seem like a lot to take in, so we’ve listed three factors you may want to consider when choosing the best Medicare coverage for you:\r\n<ol>\r\n 	<li>Hassle</li>\r\n 	<li>Coverage</li>\r\n 	<li>Choice</li>\r\n</ol>\r\n<h3>1. Hassle</h3>\r\n<strong>Original Medicare</strong>\r\nOriginal Medicare and Medicare, Supplement insurance policies, can’t drop your coverage. Both are guaranteed renewable, which means that as long as the premiums are paid on time, you will continue to be covered.\r\n\r\n<strong>Medicare Advantage</strong>\r\nThe coverage period for Medicare Advantage plans is one year. They have limited guarantees when it comes to coverage. They can change every year, drop your coverage, or change the providers in your network.\r\n\r\nThe federal government requires that plan sponsors send an Annual Notice of Change, or ANOC, to participants. An ANOC is sent to you each fall and “includes any changes in coverage, costs, or service area that will be effective in January.”<sup>2</sup>\r\n<h3>2. Coverage</h3>\r\n<strong>Original Medicare</strong>\r\nOriginal Medicare covers medical services and supplies in hospitals, doctors’ offices, and other healthcare settings. Services are either covered under Part A or Part B.\r\n\r\nMedicare Supplement insurance can help pay some of your out-of-pocket costs not covered by Medicare, like deductibles, coinsurance, copayments, etc.\r\n\r\n<strong>Medicare Advantage</strong>\r\nMedicare Advantage Plans cover Medicare Part A, Part B, and usually Part D. They are offered by private companies approved by Medicare. Medicare Supplement policies provide supplemental coverage for services that Original Medicare approves.\r\n<h3>3. Doctor and Hospital Choice</h3>\r\n<strong>Original Medicare</strong>\r\nOriginal Medicare allows you to choose from any doctor in the United States that accepts Medicare.\r\n\r\nUnder Medicare Supplement insurance, you can go to a doctor or hospital that accepts Original Medicare. If a doctor accepts Medicare, they generally accept Medicare Supplement insurance.\r\n\r\n<strong>Medicare Advantage</strong>\r\nWith Medicare Advantage, you can choose from a network of doctors that the provider has preapproved.\r\n\r\nIf you are considering Medicare Advantage and want to stay with your doctor or hospital, ensure the doctor or hospital is in the plan\'s network.\r\n<h3>Conclusion</h3>\r\nConsider your needs and priorities for Medicare coverage as you near age 65.\r\n\r\nResearch whether Original Medicare—by itself or paired with Medicare Supplement insurance—or Medicare Advantage will better suit your needs.\r\n\r\nContact a licensed insurance agent to ask questions and speak more on the topic.\r\n\r\n<span style=\"font-size: 8pt;\">Sources:\r\n1. <a href=\"https://www.medicare.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">Medicare.gov</a>, Understanding Medicare Advantage Plans, 2020</span>\r\n<span style=\"font-size: 8pt;\">2. <a href=\"https://www.medicare.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">Medicare.gov</a>, Plan Annual Notice of Change (ANOC), 2020</span>','How Do You Choose The Best Medicare Coverage?','','inherit','closed','closed','','246-revision-v1','','','2023-03-13 13:18:48','2023-03-13 13:18:48','',246,'http://cmdev-site1.com/?p=248',0,'revision','',0),(249,3,'2023-03-13 13:30:40','2023-03-13 13:30:40','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nNo matter your age, there is one expense we all have to plan for—our funeral. While it may not seem like the most uplifting topic to speak about, having a plan for your final expenses can help provide financial assistance to those responsible for making your funeral arrangements.\r\n\r\nIf you’re looking for a solution to cover costs, it may be time to consider final expense insurance.\r\n<h3>What is Final Expense Insurance?</h3>\r\nFinal expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance policy designed to help pay for funeral services and merchandise costs upon the death of the insured.<sup>1</sup>\r\n\r\nIn other words, final expense insurance policies are designed to help pay for funeral related expenses such as body preparation, caskets, urns, and other related expenses.\r\n\r\nWith the average funeral cost ranging from $7,000 to $9,000 as of 2020,<sup>2</sup> having a policy in place to help cover costs may help alleviate the financial burden death can place on a grieving family.\r\n<h3>Who Should Consider Final Expense Insurance?</h3>\r\nDespite final expense insurance typically being marketed towards seniors, final expense insurance can be purchased by adults at any age. In fact, final expense insurance is often presented as “easy to get,” with some providers of final expense insurance not even asking for a completed medical exam to qualify.<sup>3</sup>\r\n\r\nFor those with complicated medical histories, seniors with limited to no beneficiaries, those with few to no financial responsibilities (e.g., mortgage, car payments, loans, etc.), or for those just looking to cover their funeral costs—final expense insurance may be well worth exploring.\r\n\r\nDue to the array of final expense insurance providers and products available, it’s essential you do your research before committing to any single policy. For any questions, we suggest contacting your local insurance agent or financial advisor.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n1. Investopedia, Burial Insurance, 2018, <a href=\"https://www.investopedia.com/terms/b/burial-insurance.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/terms/b/burial-insurance.asp</a></span></em>\r\n<em><span style=\"font-size: 8pt;\">2. World Population Review, Average Funeral Costs By State 2020, 2020, <a href=\"https://worldpopulationreview.com/states/average-funeral-cost-by-state/\" target=\"_blank\" rel=\"noopener noreferrer\">https://worldpopulationreview.com/states/average-funeral-cost-by-state/</a></span></em>\r\n<em><span style=\"font-size: 8pt;\">3. Investopedia, Burial Insurance vs. Life Insurance: What’s the Difference? 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/111314/burial-insurance-vs-life-insurance.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/111314/burial-insurance-vs-life-insurance.asp</a></span></em>','What Is Final Expense Insurance And Who Should Buy It?','','publish','open','open','','what-is-final-expense-insurance-and-who-should-buy-it','','','2023-03-19 17:44:19','2023-03-19 17:44:19','',0,'http://cmdev-site1.com/?p=249',0,'post','',0),(250,3,'2023-03-13 13:28:47','2023-03-13 13:28:47','Jigsaw puzzle with Franklin looking to you','Jigsaw puzzle with Franklin','','inherit','open','closed','','jigsaw-puzzle-with-franklin','','','2023-03-13 13:29:06','2023-03-13 13:29:06','',249,'http://cmdev-site1.com/wp-content/uploads/2023/03/Jigsaw-puzzle-with-Franklin-1000x674-1.jpg',0,'attachment','image/jpeg',0),(251,3,'2023-03-13 13:29:14','2023-03-13 13:29:14','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nNo matter your age, there is one expense we all have to plan for—our funeral. While it may not seem like the most uplifting topic to speak about, having a plan for your final expenses can help provide financial assistance to those responsible for making your funeral arrangements. If you’re looking for a solution to cover costs, it may be time to consider final expense insurance.\r\n<h3>What is Final Expense Insurance?</h3>\r\nFinal expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance policy designed to help pay for funeral services and merchandise costs upon the death of the insured.<sup>1</sup>\r\n\r\nIn other words, final expense insurance policies are designed to help pay for funeral related expenses such as body preparation, caskets, urns, and other related expenses. With the average funeral cost ranging from $7,000 to $9,000 as of 2020,<sup>2</sup> having a policy in place to help cover costs may help alleviate the financial burden death can place on a grieving family.\r\n<h3>Who Should Consider Final Expense Insurance?</h3>\r\nDespite final expense insurance typically being marketed towards seniors, final expense insurance can be purchased by adults at any age. In fact, final expense insurance is often presented as “easy to get,” with some providers of final expense insurance not even asking for a completed medical exam to qualify.<sup>3</sup>\r\n\r\nFor those with complicated medical histories, seniors with limited to no beneficiaries, those with few to no financial responsibilities (e.g., mortgage, car payments, loans, etc.), or for those just looking to cover their funeral costs—final expense insurance may be well worth exploring.\r\n\r\nDue to the array of final expense insurance providers and products available, it’s essential you do your research before committing to any single policy. For any questions, we suggest contacting your local insurance agent or financial advisor.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n1. Investopedia, Burial Insurance, 2018, <a href=\"https://www.investopedia.com/terms/b/burial-insurance.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/terms/b/burial-insurance.asp</a></span></em>\r\n<em><span style=\"font-size: 8pt;\">2. World Population Review, Average Funeral Costs By State 2020, 2020, <a href=\"https://worldpopulationreview.com/states/average-funeral-cost-by-state/\" target=\"_blank\" rel=\"noopener noreferrer\">https://worldpopulationreview.com/states/average-funeral-cost-by-state/</a></span></em>\r\n<em><span style=\"font-size: 8pt;\">3. Investopedia, Burial Insurance vs. Life Insurance: What’s the Difference? 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/111314/burial-insurance-vs-life-insurance.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/111314/burial-insurance-vs-life-insurance.asp</a></span></em>','What Is Final Expense Insurance And Who Should Buy It?','','inherit','closed','closed','','249-revision-v1','','','2023-03-13 13:29:14','2023-03-13 13:29:14','',249,'http://cmdev-site1.com/?p=251',0,'revision','',0),(252,3,'2023-03-13 13:30:15','2023-03-13 13:30:15','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nNo matter your age, there is one expense we all have to plan for—our funeral. While it may not seem like the most uplifting topic to speak about, having a plan for your final expenses can help provide financial assistance to those responsible for making your funeral arrangements.\r\n\r\nIf you’re looking for a solution to cover costs, it may be time to consider final expense insurance.\r\n<h3>What is Final Expense Insurance?</h3>\r\nFinal expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance policy designed to help pay for funeral services and merchandise costs upon the death of the insured.<sup>1</sup>\r\n\r\nIn other words, final expense insurance policies are designed to help pay for funeral related expenses such as body preparation, caskets, urns, and other related expenses.\r\n\r\nWith the average funeral cost ranging from $7,000 to $9,000 as of 2020,<sup>2</sup> having a policy in place to help cover costs may help alleviate the financial burden death can place on a grieving family.\r\n<h3>Who Should Consider Final Expense Insurance?</h3>\r\nDespite final expense insurance typically being marketed towards seniors, final expense insurance can be purchased by adults at any age. In fact, final expense insurance is often presented as “easy to get,” with some providers of final expense insurance not even asking for a completed medical exam to qualify.<sup>3</sup>\r\n\r\nFor those with complicated medical histories, seniors with limited to no beneficiaries, those with few to no financial responsibilities (e.g., mortgage, car payments, loans, etc.), or for those just looking to cover their funeral costs—final expense insurance may be well worth exploring.\r\n\r\nDue to the array of final expense insurance providers and products available, it’s essential you do your research before committing to any single policy. For any questions, we suggest contacting your local insurance agent or financial advisor.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n1. Investopedia, Burial Insurance, 2018, <a href=\"https://www.investopedia.com/terms/b/burial-insurance.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/terms/b/burial-insurance.asp</a></span></em>\r\n<em><span style=\"font-size: 8pt;\">2. World Population Review, Average Funeral Costs By State 2020, 2020, <a href=\"https://worldpopulationreview.com/states/average-funeral-cost-by-state/\" target=\"_blank\" rel=\"noopener noreferrer\">https://worldpopulationreview.com/states/average-funeral-cost-by-state/</a></span></em>\r\n<em><span style=\"font-size: 8pt;\">3. Investopedia, Burial Insurance vs. Life Insurance: What’s the Difference? 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/111314/burial-insurance-vs-life-insurance.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/111314/burial-insurance-vs-life-insurance.asp</a></span></em>','What Is Final Expense Insurance And Who Should Buy It?','','inherit','closed','closed','','249-revision-v1','','','2023-03-13 13:30:15','2023-03-13 13:30:15','',249,'http://cmdev-site1.com/?p=252',0,'revision','',0),(253,3,'2023-03-13 13:43:36','2023-03-13 13:43:36','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nPurchasing a life insurance policy may help your family in the event of your passing. A life insurance policy can help by paying out benefits to those you’ve chosen as beneficiaries.\r\n\r\nThis article will help explain what a beneficiary is and provide some tips that may help you decide who or what to name as one.\r\n<h3>What is a beneficiary?</h3>\r\nA beneficiary is the person, people, or entity to which a life insurance policy’s death benefit is paid, provided:\r\n<ul>\r\n 	<li>– The insured’s death occurs during the policy’s coverage period and</li>\r\n 	<li>– The insured is up-to-date on premium payments</li>\r\n</ul>\r\n<h3>Who or what can be named a beneficiary?</h3>\r\nThe following can be named as a beneficiary:<sup>1</sup>\r\n<ul>\r\n 	<li>– One person</li>\r\n 	<li>– Two or more people</li>\r\n 	<li>– The trustee of a trust you’ve set up</li>\r\n 	<li>– A charity</li>\r\n 	<li>– Your estate</li>\r\n</ul>\r\n<h3>What are the different types of beneficiaries?</h3>\r\nThere are primary and contingent beneficiaries.\r\n<h3>Primary beneficiary</h3>\r\nThe primary beneficiary is the first to receive the death benefit payable in the amount and method outlined by the insured’s life insurance policy, provided they can be found after the insured’s death.<sup>1</sup>\r\n<h3>Contingent beneficiary</h3>\r\nA contingent beneficiary receives the death benefit payable in the amount and method outlined by the insured’s life insurance policy, provided the primary beneficiary can’t be found after the insured’s death.<sup>1</sup>\r\n<h3>Types of contingent beneficiaries</h3>\r\n<ul>\r\n 	<li>– Secondary beneficiary — The secondary beneficiary would benefit from the life insurance payout if the primary beneficiary died before the insured or could not be located.</li>\r\n 	<li>– Tertiary beneficiary — If the primary and secondary beneficiaries die before the insured or cannot be located, the tertiary (third) beneficiary would receive the funds.</li>\r\n</ul>\r\n<h3>What happens if I don’t choose a beneficiary?</h3>\r\nIf you do not select a beneficiary, or if all your beneficiaries pass away before you do, the benefit will be issued pursuant to the terms of the policy.\r\n\r\nIn most cases, the benefit will be payable to the Estate of the Insured or the Estate of the Owner. Then depending on the laws in your state, you may need to probate the estate in order for the probate judge to determine how and to whom the estate assets are to be distributed.\r\n\r\nThere is a possibility that your estate — including your life insurance policy’s death benefit — will be taxed and/or subject to executor’s fees if it enters into probate. Probate laws and associated fees vary by state.\r\n<h3>How to choose your life insurance beneficiary(s)</h3>\r\nYou may be considering having a primary, secondary, and even more contingent beneficiaries an important part of planning for you and your family’s future.\r\n\r\nHere are some tips that may help you choose your life insurance beneficiary:\r\n<ul>\r\n 	<li><strong>– Identify your priorities.</strong>\r\nAsk yourself who you currently support financially. Do you want them to continue to be provided for financially if you were to pass?\r\n<ul>\r\n 	<li>Family — You may want to ensure that your family’s support continues for expenses such as college, weddings, or to pay off your mortgage. Maybe you want to leave a legacy to your children or grandchildren, helping to set them up for financial independence in their futures.</li>\r\n 	<li>Charity — Depending on the laws in your state, you may be able to designate a charitable interest as a beneficiary to leave the proceeds of your policy to a worthy organization such as a charity, non-profit, or church.</li>\r\n</ul>\r\n</li>\r\n 	<li><strong>– Specify your beneficiary clearly.</strong>\r\nInclude your beneficiaries’ full legal names, relationship to the Insured, and percentage share of the Insured’s death benefit. This may help your life insurance company find them as quickly and easily as possible, which may help your beneficiary receive the life insurance death benefit in as timely and efficient a manner as possible.<sup>1</sup></li>\r\n 	<li><strong>– Keep your choices up-to-date.</strong>\r\nYou may choose a primary beneficiary who dies before you. If your primary beneficiary dies before you, don’t forget to update your choice of beneficiary. If your beneficiary’s address changes, update their contact information.</li>\r\n 	<li><strong>– Have a contingency plan.</strong>\r\nDetail how the death benefit should be divided if you have multiple beneficiaries, per the <a href=\"https://www.iii.org/article/what-beneficiary\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Information Institute</a>.</li>\r\n 	<li><strong>– Avoid designating a minor as a beneficiary.</strong>\r\nSome states don’t allow minors to receive the full amount of benefits from life insurance proceeds — or any proceeds at all. One way to avoid this is by setting up a trust for your child. Another option is setting up a Uniform Transfers to Minors Act (UTMA) account. Per <a href=\"https://secure.ssa.gov/poms.nsf/lnx/0501120205\" target=\"_blank\" rel=\"noopener noreferrer\">SI 01120.205</a>, under the UTMA, “any kind of property, real or personal, tangible or intangible, can be transferred to a custodian for the benefit of a minor.”</li>\r\n 	<li><strong>– Take divorce into consideration.</strong>\r\nDepending on your state, the designation of an ex-spouse as a beneficiary under your life insurance policy may be automatically revoked upon divorce.</li>\r\n</ul>\r\nThis is not a comprehensive list of considerations to make when choosing a life insurance beneficiary.\r\n<h3>Carefully consider who or what you would like your beneficiary to be.</h3>\r\nA beneficiary is the person, people, or entity to which a life insurance policy’s stated death benefit is paid, provided the insured’s death occurs during the policy’s coverage period, and the insured is up-to-date on premiums paid. There are primary and contingent beneficiaries.\r\n\r\nSome tips detailed above that may help you choose your life insurance beneficiary include:\r\n<ul>\r\n 	<li>Identify your priorities.</li>\r\n 	<li>Specify your beneficiary clearly.</li>\r\n 	<li>Keep your choices up-to-date.</li>\r\n 	<li>Have a contingency plan.</li>\r\n 	<li>Avoid designating a minor as a beneficiary.</li>\r\n 	<li>Take divorce into consideration.</li>\r\n</ul>\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n<h5><em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Insurance Information Institute, What is a beneficiary?, 2021, <a href=\"https://www.iii.org/article/what-beneficiary\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.iii.org/article/what-beneficiary</a></span></em></h5>','Tips For Choosing A Life Insurance Beneficiary','','publish','open','open','','tips-for-choosing-a-life-insurance-beneficiary','','','2023-03-19 17:45:13','2023-03-19 17:45:13','',0,'http://cmdev-site1.com/?p=253',0,'post','',0),(254,3,'2023-03-13 13:40:29','2023-03-13 13:40:29','Beneficiary word cloud concept','Beneficiary word cloud','','inherit','open','closed','','beneficiary-word-cloud','','','2023-03-13 13:40:48','2023-03-13 13:40:48','',253,'http://cmdev-site1.com/wp-content/uploads/2023/03/Beneficiary-word-cloud-1000x667-1.jpg',0,'attachment','image/jpeg',0),(255,3,'2023-03-13 13:41:46','2023-03-13 13:41:46','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nPurchasing a life insurance policy may help your family in the event of your passing. A life insurance policy can help by paying out benefits to those you’ve chosen as beneficiaries.\r\n\r\nThis article will help explain what a beneficiary is and provide some tips that may help you decide who or what to name as one.\r\n<h3>What is a beneficiary?</h3>\r\nA beneficiary is the person, people, or entity to which a life insurance policy’s death benefit is paid, provided:\r\n<ul>\r\n 	<li>– The insured’s death occurs during the policy’s coverage period and</li>\r\n 	<li>– The insured is up-to-date on premium payments</li>\r\n</ul>\r\n<h3>Who or what can be named a beneficiary?</h3>\r\nThe following can be named as a beneficiary:<sup>1</sup>\r\n<ul>\r\n 	<li>– One person</li>\r\n 	<li>– Two or more people</li>\r\n 	<li>– The trustee of a trust you’ve set up</li>\r\n 	<li>– A charity</li>\r\n 	<li>– Your estate</li>\r\n</ul>\r\n<h3>What are the different types of beneficiaries?</h3>\r\nThere are primary and contingent beneficiaries.\r\n<h3>Primary beneficiary</h3>\r\nThe primary beneficiary is the first to receive the death benefit payable in the amount and method outlined by the insured’s life insurance policy, provided they can be found after the insured’s death.<sup>1</sup>\r\n<h3>Contingent beneficiary</h3>\r\nA contingent beneficiary receives the death benefit payable in the amount and method outlined by the insured’s life insurance policy, provided the primary beneficiary can’t be found after the insured’s death.<sup>1</sup>\r\n<h3>Types of contingent beneficiaries</h3>\r\n<ul>\r\n 	<li>– Secondary beneficiary — The secondary beneficiary would benefit from the life insurance payout if the primary beneficiary died before the insured or could not be located.</li>\r\n 	<li>– Tertiary beneficiary — If the primary and secondary beneficiaries die before the insured or cannot be located, the tertiary (third) beneficiary would receive the funds.</li>\r\n</ul>\r\n<h3>What happens if I don’t choose a beneficiary?</h3>\r\nIf you do not select a beneficiary, or if all your beneficiaries pass away before you do, the benefit will be issued pursuant to the terms of the policy.\r\n\r\nIn most cases, the benefit will be payable to the Estate of the Insured or the Estate of the Owner. Then depending on the laws in your state, you may need to probate the estate in order for the probate judge to determine how and to whom the estate assets are to be distributed.\r\n\r\nThere is a possibility that your estate — including your life insurance policy’s death benefit — will be taxed and/or subject to executor’s fees if it enters into probate. Probate laws and associated fees vary by state.\r\n<h3>How to choose your life insurance beneficiary(s)</h3>\r\nYou may be considering having a primary, secondary, and even more contingent beneficiaries an important part of planning for you and your family’s future.\r\n\r\nHere are some tips that may help you choose your life insurance beneficiary:\r\n<ul>\r\n 	<li><strong>– Identify your priorities.</strong>\r\nAsk yourself who you currently support financially. Do you want them to continue to be provided for financially if you were to pass?\r\n<ul>\r\n 	<li>Family — You may want to ensure that your family’s support continues for expenses such as college, weddings, or to pay off your mortgage. Maybe you want to leave a legacy to your children or grandchildren, helping to set them up for financial independence in their futures.</li>\r\n 	<li>Charity — Depending on the laws in your state, you may be able to designate a charitable interest as a beneficiary to leave the proceeds of your policy to a worthy organization such as a charity, non-profit, or church.</li>\r\n</ul>\r\n</li>\r\n 	<li><strong>– Specify your beneficiary clearly.</strong>\r\nInclude your beneficiaries’ full legal names, relationship to the Insured, and percentage share of the Insured’s death benefit. This may help your life insurance company find them as quickly and easily as possible, which may help your beneficiary receive the life insurance death benefit in as timely and efficient a manner as possible.<sup>1</sup></li>\r\n 	<li><strong>– Keep your choices up-to-date.</strong>\r\nYou may choose a primary beneficiary who dies before you. If your primary beneficiary dies before you, don’t forget to update your choice of beneficiary. If your beneficiary’s address changes, update their contact information.</li>\r\n 	<li><strong>– Have a contingency plan.</strong>\r\nDetail how the death benefit should be divided if you have multiple beneficiaries, per the <a href=\"https://www.iii.org/article/what-beneficiary\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Information Institute</a>.</li>\r\n 	<li><strong>– Avoid designating a minor as a beneficiary.</strong>\r\nSome states don’t allow minors to receive the full amount of benefits from life insurance proceeds — or any proceeds at all. One way to avoid this is by setting up a trust for your child. Another option is setting up a Uniform Transfers to Minors Act (UTMA) account. Per <a href=\"https://secure.ssa.gov/poms.nsf/lnx/0501120205\" target=\"_blank\" rel=\"noopener noreferrer\">SI 01120.205</a>, under the UTMA, “any kind of property, real or personal, tangible or intangible, can be transferred to a custodian for the benefit of a minor.”</li>\r\n 	<li><strong>– Take divorce into consideration.</strong>\r\nDepending on your state, the designation of an ex-spouse as a beneficiary under your life insurance policy may be automatically revoked upon divorce.</li>\r\n</ul>\r\nThis is not a comprehensive list of considerations to make when choosing a life insurance beneficiary.\r\n<h3>Carefully consider who or what you would like your beneficiary to be.</h3>\r\nA beneficiary is the person, people, or entity to which a life insurance policy’s stated death benefit is paid, provided the insured’s death occurs during the policy’s coverage period, and the insured is up-to-date on premiums paid. There are primary and contingent beneficiaries.\r\n\r\nSome tips detailed above that may help you choose your life insurance beneficiary include:\r\n<ul>\r\n 	<li>Identify your priorities.</li>\r\n 	<li>Specify your beneficiary clearly.</li>\r\n 	<li>Keep your choices up-to-date.</li>\r\n 	<li>Have a contingency plan.</li>\r\n 	<li>Avoid designating a minor as a beneficiary.</li>\r\n 	<li>Take divorce into consideration.</li>\r\n</ul>\r\nConsult a licensed insurance professional in your state to find out more information about life insurance and how to select beneficiaries.\r\n\r\nRead the following for more information about life insurance beneficiaries:\r\n<ul>\r\n 	<li>“<a href=\"https://home.globelifeinsurance.com/articles/july-2021-resource-articles/what-to-expect-as-a-beneficiary-on-a-life-insuranc\" target=\"_blank\" rel=\"noopener noreferrer\">What to Expect as a Beneficiary on a Life Insurance Policy</a>”</li>\r\n 	<li>“<a href=\"https://home.globelifeinsurance.com/articles/september-2020-resource-articles/can-a-life-insurance-beneficiary-be-anyone\" target=\"_blank\" rel=\"noopener noreferrer\">Can a Life Insurance Beneficiary Be Anyone?</a>”</li>\r\n</ul>\r\n<h5><em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Insurance Information Institute, What is a beneficiary?, 2021, <a href=\"https://www.iii.org/article/what-beneficiary\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.iii.org/article/what-beneficiary</a></span></em></h5>','Tips For Choosing A Life Insurance Beneficiary','','inherit','closed','closed','','253-revision-v1','','','2023-03-13 13:41:46','2023-03-13 13:41:46','',253,'http://cmdev-site1.com/?p=255',0,'revision','',0),(402,3,'2023-03-19 17:45:13','2023-03-19 17:45:13','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nPurchasing a life insurance policy may help your family in the event of your passing. A life insurance policy can help by paying out benefits to those you’ve chosen as beneficiaries.\r\n\r\nThis article will help explain what a beneficiary is and provide some tips that may help you decide who or what to name as one.\r\n<h3>What is a beneficiary?</h3>\r\nA beneficiary is the person, people, or entity to which a life insurance policy’s death benefit is paid, provided:\r\n<ul>\r\n 	<li>– The insured’s death occurs during the policy’s coverage period and</li>\r\n 	<li>– The insured is up-to-date on premium payments</li>\r\n</ul>\r\n<h3>Who or what can be named a beneficiary?</h3>\r\nThe following can be named as a beneficiary:<sup>1</sup>\r\n<ul>\r\n 	<li>– One person</li>\r\n 	<li>– Two or more people</li>\r\n 	<li>– The trustee of a trust you’ve set up</li>\r\n 	<li>– A charity</li>\r\n 	<li>– Your estate</li>\r\n</ul>\r\n<h3>What are the different types of beneficiaries?</h3>\r\nThere are primary and contingent beneficiaries.\r\n<h3>Primary beneficiary</h3>\r\nThe primary beneficiary is the first to receive the death benefit payable in the amount and method outlined by the insured’s life insurance policy, provided they can be found after the insured’s death.<sup>1</sup>\r\n<h3>Contingent beneficiary</h3>\r\nA contingent beneficiary receives the death benefit payable in the amount and method outlined by the insured’s life insurance policy, provided the primary beneficiary can’t be found after the insured’s death.<sup>1</sup>\r\n<h3>Types of contingent beneficiaries</h3>\r\n<ul>\r\n 	<li>– Secondary beneficiary — The secondary beneficiary would benefit from the life insurance payout if the primary beneficiary died before the insured or could not be located.</li>\r\n 	<li>– Tertiary beneficiary — If the primary and secondary beneficiaries die before the insured or cannot be located, the tertiary (third) beneficiary would receive the funds.</li>\r\n</ul>\r\n<h3>What happens if I don’t choose a beneficiary?</h3>\r\nIf you do not select a beneficiary, or if all your beneficiaries pass away before you do, the benefit will be issued pursuant to the terms of the policy.\r\n\r\nIn most cases, the benefit will be payable to the Estate of the Insured or the Estate of the Owner. Then depending on the laws in your state, you may need to probate the estate in order for the probate judge to determine how and to whom the estate assets are to be distributed.\r\n\r\nThere is a possibility that your estate — including your life insurance policy’s death benefit — will be taxed and/or subject to executor’s fees if it enters into probate. Probate laws and associated fees vary by state.\r\n<h3>How to choose your life insurance beneficiary(s)</h3>\r\nYou may be considering having a primary, secondary, and even more contingent beneficiaries an important part of planning for you and your family’s future.\r\n\r\nHere are some tips that may help you choose your life insurance beneficiary:\r\n<ul>\r\n 	<li><strong>– Identify your priorities.</strong>\r\nAsk yourself who you currently support financially. Do you want them to continue to be provided for financially if you were to pass?\r\n<ul>\r\n 	<li>Family — You may want to ensure that your family’s support continues for expenses such as college, weddings, or to pay off your mortgage. Maybe you want to leave a legacy to your children or grandchildren, helping to set them up for financial independence in their futures.</li>\r\n 	<li>Charity — Depending on the laws in your state, you may be able to designate a charitable interest as a beneficiary to leave the proceeds of your policy to a worthy organization such as a charity, non-profit, or church.</li>\r\n</ul>\r\n</li>\r\n 	<li><strong>– Specify your beneficiary clearly.</strong>\r\nInclude your beneficiaries’ full legal names, relationship to the Insured, and percentage share of the Insured’s death benefit. This may help your life insurance company find them as quickly and easily as possible, which may help your beneficiary receive the life insurance death benefit in as timely and efficient a manner as possible.<sup>1</sup></li>\r\n 	<li><strong>– Keep your choices up-to-date.</strong>\r\nYou may choose a primary beneficiary who dies before you. If your primary beneficiary dies before you, don’t forget to update your choice of beneficiary. If your beneficiary’s address changes, update their contact information.</li>\r\n 	<li><strong>– Have a contingency plan.</strong>\r\nDetail how the death benefit should be divided if you have multiple beneficiaries, per the <a href=\"https://www.iii.org/article/what-beneficiary\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Information Institute</a>.</li>\r\n 	<li><strong>– Avoid designating a minor as a beneficiary.</strong>\r\nSome states don’t allow minors to receive the full amount of benefits from life insurance proceeds — or any proceeds at all. One way to avoid this is by setting up a trust for your child. Another option is setting up a Uniform Transfers to Minors Act (UTMA) account. Per <a href=\"https://secure.ssa.gov/poms.nsf/lnx/0501120205\" target=\"_blank\" rel=\"noopener noreferrer\">SI 01120.205</a>, under the UTMA, “any kind of property, real or personal, tangible or intangible, can be transferred to a custodian for the benefit of a minor.”</li>\r\n 	<li><strong>– Take divorce into consideration.</strong>\r\nDepending on your state, the designation of an ex-spouse as a beneficiary under your life insurance policy may be automatically revoked upon divorce.</li>\r\n</ul>\r\nThis is not a comprehensive list of considerations to make when choosing a life insurance beneficiary.\r\n<h3>Carefully consider who or what you would like your beneficiary to be.</h3>\r\nA beneficiary is the person, people, or entity to which a life insurance policy’s stated death benefit is paid, provided the insured’s death occurs during the policy’s coverage period, and the insured is up-to-date on premiums paid. There are primary and contingent beneficiaries.\r\n\r\nSome tips detailed above that may help you choose your life insurance beneficiary include:\r\n<ul>\r\n 	<li>Identify your priorities.</li>\r\n 	<li>Specify your beneficiary clearly.</li>\r\n 	<li>Keep your choices up-to-date.</li>\r\n 	<li>Have a contingency plan.</li>\r\n 	<li>Avoid designating a minor as a beneficiary.</li>\r\n 	<li>Take divorce into consideration.</li>\r\n</ul>\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.\r\n<h5><em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Insurance Information Institute, What is a beneficiary?, 2021, <a href=\"https://www.iii.org/article/what-beneficiary\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.iii.org/article/what-beneficiary</a></span></em></h5>','Tips For Choosing A Life Insurance Beneficiary','','inherit','closed','closed','','253-revision-v1','','','2023-03-19 17:45:13','2023-03-19 17:45:13','',253,'http://cmdev-site1.com/?p=402',0,'revision','',0),(256,3,'2023-03-13 14:26:24','2023-03-13 14:26:24','<h2><span style=\"color: #ffffff;\">-</span></h2>\r\n<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n\r\n&nbsp;\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong><span style=\"color: #ffffff;\">-</span>\r\nHow do beneficiaries file a life insurance claim?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.\r\n\r\nFor more information about life insurance, contact one of our knowledgeable agents at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or email us at <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">info@jsuttonfinancial.com</a>.','What To Expect As A Beneficiary On A Life Insurance Policy','','publish','open','open','','what-to-expect-as-a-beneficiary-on-a-life-insurance-policy','','','2023-03-19 17:45:42','2023-03-19 17:45:42','',0,'http://cmdev-site1.com/?p=256',0,'post','',0),(257,3,'2023-03-13 13:55:48','2023-03-13 13:55:48','The word or phrase Beneficiary in a dictionary','The word or phrase Beneficiary in a dictionary.','','inherit','open','closed','','the-word-or-phrase-beneficiary-in-a-dictionary','','','2023-03-13 13:56:02','2023-03-13 13:56:02','',256,'http://cmdev-site1.com/wp-content/uploads/2023/03/The-word-or-phrase-Beneficiary-in-a-dictionary-1000x667-1.jpg',0,'attachment','image/jpeg',0),(265,3,'2023-03-13 14:02:01','2023-03-13 14:02:01','<h2>What is a beneficiary for a life insurance policy?</h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2>How do beneficiaries get a death benefit?</h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</blockquote>\r\n<h2>How do beneficiaries file a life insurance claim?</h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3>Death certificate:</h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3>Claim form:</h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3>Policy document:</h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div>\r\n<h2>You gathered your documents; now what?</h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div>In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div>Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div>\r\n<h2>Choose how you want to receive the death benefit.</h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3>Lump-sum:</h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3>Annuity:</h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:02:01','2023-03-13 14:02:01','',256,'http://cmdev-site1.com/?p=265',0,'revision','',0),(258,3,'2023-03-13 13:56:12','2023-03-13 13:56:12','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away. Often, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>\r\n<p class=\"article-break-quote\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</p>\r\n</blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div class=\"third-part\">\r\n<h2><strong>You gathered your documents; now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div class=\"third-part\">In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div class=\"third-part\">Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div class=\"third-part\">\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 13:56:12','2023-03-13 13:56:12','',256,'http://cmdev-site1.com/?p=258',0,'revision','',0),(260,3,'2023-03-13 13:57:53','2023-03-13 13:57:53','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>\r\n<h2 class=\"article-break-quote\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</h2>\r\n</blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div class=\"third-part\">\r\n<h2><strong>You gathered your documents; now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div class=\"third-part\">In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div class=\"third-part\">Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div class=\"third-part\">\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 13:57:53','2023-03-13 13:57:53','',256,'http://cmdev-site1.com/?p=260',0,'revision','',0),(259,3,'2023-03-13 13:57:03','2023-03-13 13:57:03','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>\r\n<p class=\"article-break-quote\"><strong>Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</strong></p>\r\n</blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div class=\"third-part\">\r\n<h2><strong>You gathered your documents; now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div class=\"third-part\">In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div class=\"third-part\">Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div class=\"third-part\">\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 13:57:03','2023-03-13 13:57:03','',256,'http://cmdev-site1.com/?p=259',0,'revision','',0),(263,3,'2023-03-13 13:59:07','2023-03-13 13:59:07','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>\r\n<p class=\"article-break-quote\"><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></p>\r\n</blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div class=\"third-part\">\r\n<h2><strong>You gathered your documents; now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div class=\"third-part\">In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div class=\"third-part\">Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div class=\"third-part\">\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 13:59:07','2023-03-13 13:59:07','',256,'http://cmdev-site1.com/?p=263',0,'revision','',0),(261,3,'2023-03-13 13:58:18','2023-03-13 13:58:18','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>\r\n<p class=\"article-break-quote\"><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></p>\r\n</blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div class=\"third-part\">\r\n<h2><strong>You gathered your documents; now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div class=\"third-part\">In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div class=\"third-part\">Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div class=\"third-part\">\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 13:58:18','2023-03-13 13:58:18','',256,'http://cmdev-site1.com/?p=261',0,'revision','',0),(262,3,'2023-03-13 13:58:41','2023-03-13 13:58:41','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>\r\n<p class=\"article-break-quote\" style=\"padding-left: 40px;\"><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></p>\r\n</blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div class=\"third-part\">\r\n<h2><strong>You gathered your documents; now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div class=\"third-part\">In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div class=\"third-part\">Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div class=\"third-part\">\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 13:58:41','2023-03-13 13:58:41','',256,'http://cmdev-site1.com/?p=262',0,'revision','',0),(264,3,'2023-03-13 14:00:47','2023-03-13 14:00:47','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote>\r\n<p class=\"article-break-quote\"><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></p>\r\n</blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company for the life insurance policy that was purchased.\r\n\r\nGenerally speaking, life insurance companies require those filing a claim to provide the following:\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud.\r\n\r\nTo receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document.\r\n\r\nIf you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<div class=\"third-part\">\r\n<h2><strong>You gathered your documents; now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.</div>\r\n<div></div>\r\n<div class=\"third-part\">In other words, the insurance company will review the information provided and make a determination on the claim.</div>\r\n<div></div>\r\n<div class=\"third-part\">Keep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n</div>\r\n<div class=\"third-part\">\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.</div>','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:00:47','2023-03-13 14:00:47','',256,'http://cmdev-site1.com/?p=264',0,'revision','',0),(266,3,'2023-03-13 14:05:22','2023-03-13 14:05:22','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away. Often, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy. Some life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process. The best way to determine what documents are needed is to contact the customer service department for the insurance company the life insurance policy was purchased through. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death. However, you can also request a copy from the local vital records office. Keep in mind, it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary, and at the discretion of the insurance company.\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim. Keep in mind, some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information, or even to have a claim rejected.\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy, and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:05:22','2023-03-13 14:05:22','',256,'http://cmdev-site1.com/?p=266',0,'revision','',0),(267,3,'2023-03-13 14:08:13','2023-03-13 14:08:13','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong>How do beneficiaries file a life insurance claim?</strong></h2>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:08:13','2023-03-13 14:08:13','',256,'http://cmdev-site1.com/?p=267',0,'revision','',0),(268,3,'2023-03-13 14:13:07','2023-03-13 14:13:07','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong><span style=\"color: #ffffff;\">-</span>\r\nHow do beneficiaries file a life insurance claim?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<span style=\"color: #ffffff;\">z</span>\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:13:07','2023-03-13 14:13:07','',256,'http://cmdev-site1.com/?p=268',0,'revision','',0),(275,3,'2023-03-13 14:23:34','2023-03-13 14:23:34','<h2><span style=\"color: #ffffff;\">-</span></h2>\r\n<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n\r\n&nbsp;\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong><span style=\"color: #ffffff;\">-</span>\r\nHow do beneficiaries file a life insurance claim?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:23:34','2023-03-13 14:23:34','',256,'http://cmdev-site1.com/?p=275',0,'revision','',0),(269,3,'2023-03-13 14:16:19','2023-03-13 14:16:19','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong><span style=\"color: #ffffff;\">-</span>\r\nHow do beneficiaries file a life insurance claim?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<span style=\"color: #ffffff;\">-</span>\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">z</span>\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>Beneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:16:19','2023-03-13 14:16:19','',256,'http://cmdev-site1.com/?p=269',0,'revision','',0),(270,3,'2023-03-13 14:18:00','2023-03-13 14:18:00','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong><span style=\"color: #ffffff;\">-</span>\r\nHow do beneficiaries file a life insurance claim?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<span style=\"color: #ffffff;\">-</span>\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">z</span>\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>Beneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:18:00','2023-03-13 14:18:00','',256,'http://cmdev-site1.com/?p=270',0,'revision','',0),(271,3,'2023-03-13 14:18:20','2023-03-13 14:18:20','<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\n&nbsp;\r\n\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n\r\n&nbsp;\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong><span style=\"color: #ffffff;\">-</span>\r\nHow do beneficiaries file a life insurance claim?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<span style=\"color: #ffffff;\">-</span>\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">z</span>\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>Beneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:18:20','2023-03-13 14:18:20','',256,'http://cmdev-site1.com/?p=271',0,'revision','',0),(272,3,'2023-03-13 14:18:56','2023-03-13 14:18:56','<h2><span style=\"color: #ffffff;\">-</span></h2>\r\n<h2><strong>What is a beneficiary for a life insurance policy?</strong></h2>\r\nA beneficiary is a person or organization designated to receive a death benefit payout from the insurer once the insured passes away.\r\n\r\nOften, beneficiaries are loved ones listed by the insured on their life insurance policy before they pass away. However, beneficiaries can be trusted non-relatives, friends, business partners, and even charitable organizations.\r\n\r\n&nbsp;\r\n<h2><strong>How do beneficiaries get a death benefit?</strong></h2>\r\nIf you’ve been listed as a beneficiary on a life insurance policy, you will likely get a death benefit payout from your loved one’s life insurance policy. In life insurance policies, death benefits vary in amount, and depend on the type of life insurance policy.\r\n\r\nSome life insurance policies only pay a death benefit under certain conditions. However, before any death benefit is paid out, the beneficiary will have to file a claim on the life insurance policy.\r\n<blockquote><span style=\"font-size: 18pt;\">Being a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help where needed.</span></blockquote>\r\n<h2><strong><span style=\"color: #ffffff;\">-</span>\r\nHow do beneficiaries file a life insurance claim?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\nTo claim the death benefit, life insurance beneficiaries must submit a claim to the appropriate insurance company. Since insurance companies won’t generally reach out to you, it’s important you contact the appropriate insurance company and file your claim as soon as possible.\r\n\r\nOnce you know the name of the insurance company and have contacted them, you will be asked to submit certain documents to start the claim filing process.\r\n\r\nThe best way to determine what documents are needed is to contact the customer service department for the insurance company the policy was purchased. Generally speaking, life insurance companies require those filing a claim to provide the following:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Death certificate:</strong></h3>\r\n</li>\r\n</ul>\r\nThe insurance company will need a certified copy of the insured’s death certificate. This proof of death ensures the policy is being claimed legitimately and helps prevent fraud. To receive a certified copy of the death certificate, you’ll need to contact the funeral home or the medical professional who confirmed the time and place of death.\r\n\r\nHowever, you can also request a copy from the local vital records office. Keep in mind it can take a bit of time to receive a copy, so stay on top of this.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Claim form:</strong></h3>\r\n</li>\r\n</ul>\r\nAlso known as a “request for benefits,” this form asks for information such as cause of death, insured’s name, and policy number. You may also need to indicate your relationship to the policyholder and how you would like to receive the death benefit.\r\n<span style=\"color: #ffffff;\">-</span>\r\n\r\n&nbsp;\r\n<ul>\r\n 	<li>\r\n<h3><strong>Policy document:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>\r\nEverything from pertinent policy information to relevant information on the insured will be in this document. If you’re having trouble locating the policy, you can try contacting the insurance company directly, contacting the life insurance agent associated with the policy, or reaching out to the policyholder’s financial advisor for further insight.\r\n\r\n\r\nDepending on the policy the deceased had, you may find the insurance company requires additional documents. Make sure to provide additional documents as necessary and at the discretion of the insurance company.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>You gathered your documents, now what?</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nOnce you’ve gathered the necessary documents to file a claim, it’s time you submit the documents. Be sure to make copies of the documents for your own records – this helps you quickly reference them when the insurance company reaches out. Once the claim is filed, you will have to wait for the claim to be processed.\r\n\r\nIn other words, the insurance company will review the information provided and make a determination on the claim.\r\n\r\nKeep in mind some insurance policies do not pay out a death benefit if the insured dies under certain circumstances, so it is possible to get a request for more information or even to have a claim rejected.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">z</span>\r\n<h2><strong>Choose how you want to receive the death benefit.</strong></h2>\r\n<span style=\"color: #ffffff;\">-</span>\r\n<span style=\"color: #ffffff;\">-</span>\r\nIf your claim has been approved, there are a few different ways you may be able to receive the death benefit. This can depend on the insurance company. Two options in which a death benefit can be received are lump-sum or annuities.\r\n<h3></h3>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Lump-sum:</strong></h3>\r\n</li>\r\n</ul>\r\n<span style=\"color: #ffffff;\">-</span>Beneficiaries who choose a lump-sum payment will receive the entire death benefit at once.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<ul>\r\n 	<li>\r\n<h3><strong>Annuity:</strong></h3>\r\n</li>\r\n</ul>\r\nBeneficiaries who choose an annuity will receive a predetermined annual payment for a predetermined number of years in accordance with the annuitization date.\r\n\r\nBeing a beneficiary is a big deal, but it doesn’t have to feel like one. As a beneficiary, always make sure you’re aware of any changes to the life insurance policy and remember that the life insurance customer service department is there to help when needed.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:18:56','2023-03-13 14:18:56','',256,'http://cmdev-site1.com/?p=272',0,'revision','',0),