(274,3,'2023-03-13 14:20:06','2023-03-13 14:20:06','<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<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 14:20:06','2023-03-13 14:20:06','',256,'http://cmdev-site1.com/?p=274',0,'revision','',0),(273,3,'2023-03-13 14:19:21','2023-03-13 14:19:21','<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\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 14:19:21','2023-03-13 14:19:21','',256,'http://cmdev-site1.com/?p=273',0,'revision','',0),(276,3,'2023-03-13 14:24:38','2023-03-13 14:24:38','<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<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 14:24:38','2023-03-13 14:24:38','',256,'http://cmdev-site1.com/?p=276',0,'revision','',0),(277,3,'2023-03-13 14:25:51','2023-03-13 14:25:51','<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.','What To Expect As A Beneficiary On A Life Insurance Policy','','inherit','closed','closed','','256-revision-v1','','','2023-03-13 14:25:51','2023-03-13 14:25:51','',256,'http://cmdev-site1.com/?p=277',0,'revision','',0),(278,3,'2023-03-13 14:40:27','2023-03-13 14:40:27','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3><strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3><strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3><strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3><strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary.\r\n\r\nIn fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier.\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 A Life Insurance Beneficiary Be Anyone?','','publish','open','open','','can-a-life-insurance-beneficiary-be-anyone','','','2023-03-19 17:46:22','2023-03-19 17:46:22','',0,'http://cmdev-site1.com/?p=278',0,'post','',0),(416,3,'2023-03-21 13:01:46','0000-00-00 00:00:00','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWhole life, term life...what’s the difference? Many consumers draw a blank when it comes to identifying the differences between these two common types of life insurance. What may be even more confusing?\r\n\r\nKnowing how much you might pay for one type of insurance over the other.\r\n\r\nIn this article, we’ll explore the differences between whole life insurance and term life insurance and the cost differences between them.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What is the Difference Between Term and Whole Life Insurance?</h3>\r\nTerm life insurance covers the insured for a specified length of time. The timeframe of coverage varies from policy to policy.\r\n\r\nWhole life insurance covers the insured for the length of their life—given that premiums are paid and other terms of the policy are met. Rather than protecting you up to a certain age or for a certain length of time as term life insurance does, a whole life policy wouldn’t necessarily expire just because you’ve reached a certain age or a certain amount of time has elapsed.\r\n\r\nWhether you choose a term life policy or a whole life policy depends on a number of factors and your personal needs when it comes to protection.\r\n\r\nWhen weighing the options between the two, it’s best to reach out to your financial advisor or a life insurance agent for more specific guidance.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What are the Benefits of Each?</h3>\r\nAlthough term life policies are for a specified length of time, in some cases the insured may have the option to either renew the policy or convert it into a whole life policy in the event the term passes without the insured’s death.\r\n\r\nThis new policy may be subject to new terms, coverage, and premium rates. This depends on the insurance carrier and the specific terms of coverage in the policy.\r\n\r\nOne popular benefit of a whole life policy is cash value, which is the monetary amount that accumulates as the policy matures over time. This benefit is separate from the death benefit beneficiaries receive once the insured passes away.\r\n\r\nThe cash value is a fund the insured can tap into as a withdrawal of funds or a loan against the policy. The policyholder can use this benefit while they are living, depending on the specific rules of the policy.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What’s the Price Difference?</h3>\r\nGenerally speaking, whole life insurance policy premiums are often more expensive than term life policies, even for the same amount of face-value coverage.\r\n\r\nThe primary reason is that term life coverage is for a specified length of time, rather than for the life of the insured (with specific stipulations) as is the case with whole life insurance.\r\n\r\nThe dollar amount you can pay will vary from policy to policy, so it’s important to look at all the benefits, term limits, and other details of individual policies that are important to you and your family when it comes to protection.\r\n\r\nChoosing the right, most cost-effective life insurance policy can be a daunting task for many consumers. That’s why it’s important to know what cost considerations and policy benefits you may face when you choose one policy type over another.\r\n\r\nBe sure to consult with a financial advisor or life insurance agent or consult one of our licensed insurance professionals at <a href=\"tel:17132543439\" target=\"_blank\" rel=\"noopener\">713.254.3439</a> or <a href=\"mailto:info@jsuttonfinancial.com\" target=\"_blank\" rel=\"noopener\">email</a> us for more help determining the right type of coverage for you.','How Much Should I Pay For Whole Life Insurance vs Term Life Insurance?','','draft','open','open','','','','','2023-03-21 13:01:46','2023-03-21 13:01:46','',0,'http://cmdev-site1.com/?p=416',0,'post','',0),(280,3,'2023-03-13 14:35:26','2023-03-13 14:35:26','Life insurance concept','Life insurance concept','','inherit','open','closed','','life-insurance-concept','','','2023-03-13 14:35:51','2023-03-13 14:35:51','',278,'http://cmdev-site1.com/wp-content/uploads/2023/03/Life-insurance-heart-concept-1000x712-1.jpg',0,'attachment','image/jpeg',0),(281,3,'2023-03-13 14:35:32','2023-03-13 14:35:32','Life insurance policy with a pen','Life insurance policy','','inherit','open','closed','','life-insurance-policy','','','2023-03-21 13:59:52','2023-03-21 13:59:52','',278,'http://cmdev-site1.com/wp-content/uploads/2023/03/Life-insurance-policy-1000x564-1.jpg',0,'attachment','image/jpeg',0),(282,1,'2023-03-13 14:35:43','2023-03-13 14:35:43','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-13 14:35:43','2023-03-13 14:35:43','',35,'http://cmdev-site1.com/?p=282',0,'revision','',0),(283,3,'2023-03-13 14:36:00','2023-03-13 14:36:00','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary. For example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3>\r\n<strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options, you may find the right beneficiary outside your immediate circle.\r\n<h3>\r\n<strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed. Make sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3>\r\n<strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date. Be sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3>\r\n<strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary. In fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier. For more information on beneficiary rules and regulations in your state, contact a licensed insurance agent.','Can A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-13 14:36:00','2023-03-13 14:36:00','',278,'http://cmdev-site1.com/?p=283',0,'revision','',0),(284,3,'2023-03-13 14:37:48','2023-03-13 14:37:48','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3>\r\n<strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3>\r\n<strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3>\r\n<strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3>\r\n<strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary. In fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier. For more information on beneficiary rules and regulations in your state, contact a licensed insurance agent.','Can A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-13 14:37:48','2023-03-13 14:37:48','',278,'http://cmdev-site1.com/?p=284',0,'revision','',0),(285,3,'2023-03-13 14:38:13','2023-03-13 14:38:13','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary\r\n<span style=\"color: #ffffff;\">-</span></strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3>\r\n<strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3>\r\n<strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3>\r\n<strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3>\r\n<strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary. In fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier. For more information on beneficiary rules and regulations in your state, contact a licensed insurance agent.','Can A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-13 14:38:13','2023-03-13 14:38:13','',278,'http://cmdev-site1.com/?p=285',0,'revision','',0),(286,3,'2023-03-13 14:38:39','2023-03-13 14:38:39','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3>\r\n<strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3>\r\n<strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3>\r\n<strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3>\r\n<strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary. In fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier. For more information on beneficiary rules and regulations in your state, contact a licensed insurance agent.','Can A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-13 14:38:39','2023-03-13 14:38:39','',278,'http://cmdev-site1.com/?p=286',0,'revision','',0),(287,3,'2023-03-13 14:38:56','2023-03-13 14:38:56','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3>\r\n<strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3>\r\n<strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3>\r\n<strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3>\r\n<strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary. In fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier. For more information on beneficiary rules and regulations in your state, contact a licensed insurance agent.','Can A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-13 14:38:56','2023-03-13 14:38:56','',278,'http://cmdev-site1.com/?p=287',0,'revision','',0),(288,3,'2023-03-13 14:39:33','2023-03-13 14:39:33','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3>\r\n<strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3>\r\n<strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3>\r\n<strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3>\r\n<strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary.\r\n\r\nIn fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier. For more information on beneficiary rules and regulations in your state, contact a licensed insurance agent.','Can A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-13 14:39:33','2023-03-13 14:39:33','',278,'http://cmdev-site1.com/?p=288',0,'revision','',0),(289,3,'2023-03-13 14:39:50','2023-03-13 14:39:50','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3>\r\n<strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3>\r\n<strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3>\r\n<strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3>\r\n<strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary.\r\n\r\nIn fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier.\r\n\r\nFor more information on beneficiary rules and regulations in your state, contact a licensed insurance agent.','Can A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-13 14:39:50','2023-03-13 14:39:50','',278,'http://cmdev-site1.com/?p=289',0,'revision','',0),(290,1,'2023-03-13 14:59:11','2023-03-13 14:59:11','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    margin-bottom: 30px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    display: grid;\r\n    grid-template-columns: 5fr 7fr;\r\n    column-gap: 40px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    padding: 0;\r\n    font-size: 13px;\r\n    color: #000;\r\n    line-height: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_label, .gform_wrapper.tc_wrapper .gfield.two_box .validation_message {\r\n    grid-column: 1/-1;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text], .gform_wrapper.tc_wrapper input[type=email], .gform_wrapper.tc_wrapper input[type=tel], .gform_wrapper.tc_wrapper input[type=number] {\r\n    border: 1px solid #999;\r\n    outline: none;\r\n    border-radius: 5px;\r\n    padding: 12px 15px;\r\n    font-size: 15px !important;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text]:focus, .gform_wrapper.tc_wrapper input[type=email]:focus, .gform_wrapper.tc_wrapper input[type=tel]:focus, .gform_wrapper.tc_wrapper input[type=number]:focus {\r\n    border-color: #333;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=number]::-webkit-outer-spin-button, .gform_wrapper.tc_wrapper input[type=number]::-webkit-inner-spin-button {\r\n    -webkit-appearance: none;\r\n    -moz-appearance: textfield;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    font-weight: 600;\r\n    color: #000;\r\n    font-size: 14px;\r\n    margin: 0;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio .gchoice input[type=radio] {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 16px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio label {\r\n    width: 100%;\r\n    max-width: 100%;\r\n    border: 1px solid #666;\r\n    text-align: center;\r\n    color: #333;\r\n    padding: 10px;\r\n    border-radius: 5px;\r\n    cursor: pointer;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio input:checked + label {\r\n    background: #e3e1e1;\r\n    color: #000;\r\n    border-color: #000;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label {\r\n    padding: 0;\r\n    margin: 40px 0 0 0;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit] {\r\n    margin: 0;\r\n    padding: 12px 50px;\r\n    border: 1px solid #000;\r\n    background: #000;\r\n    border-radius: 5px;\r\n    color: #fff;\r\n    font-size: 16px;\r\n    text-transform: uppercase;\r\n    font-weight: 600;\r\n    transition: 0.3s;\r\n    cursor: pointer;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit]:hover {\r\n    background: #333;\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-13 14:59:11','2023-03-13 14:59:11','',35,'http://cmdev-site1.com/?p=290',0,'revision','',0),(291,1,'2023-03-13 15:00:54','2023-03-13 15:00:54','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    margin-bottom: 30px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    display: grid;\r\n    grid-template-columns: 5fr 7fr;\r\n    column-gap: 40px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    padding: 0;\r\n    font-size: 13px;\r\n    color: #000;\r\n    line-height: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_label, .gform_wrapper.tc_wrapper .gfield.two_box .validation_message {\r\n    grid-column: 1/-1;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text], .gform_wrapper.tc_wrapper input[type=email], .gform_wrapper.tc_wrapper input[type=tel], .gform_wrapper.tc_wrapper input[type=number] {\r\n    border: 1px solid #999;\r\n    outline: none;\r\n    border-radius: 5px;\r\n    padding: 12px 15px;\r\n    font-size: 15px !important;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text]:focus, .gform_wrapper.tc_wrapper input[type=email]:focus, .gform_wrapper.tc_wrapper input[type=tel]:focus, .gform_wrapper.tc_wrapper input[type=number]:focus {\r\n    border-color: #333;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=number]::-webkit-outer-spin-button, .gform_wrapper.tc_wrapper input[type=number]::-webkit-inner-spin-button {\r\n    -webkit-appearance: none;\r\n    -moz-appearance: textfield;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    font-weight: 600;\r\n    color: #000;\r\n    font-size: 14px;\r\n    margin: 0;\r\n    max-width: 40%;\r\n    line-height: 18px;\r\n    margin-bottom: 5px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio .gchoice input[type=radio] {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 16px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio label {\r\n    width: 100%;\r\n    max-width: 100%;\r\n    border: 1px solid #666;\r\n    text-align: center;\r\n    color: #333;\r\n    padding: 10px;\r\n    border-radius: 5px;\r\n    cursor: pointer;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio input:checked + label {\r\n    background: #e3e1e1;\r\n    color: #000;\r\n    border-color: #000;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label {\r\n    padding: 0;\r\n    margin: 40px 0 0 0;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit] {\r\n    margin: 0;\r\n    padding: 12px 50px;\r\n    border: 1px solid #000;\r\n    background: #000;\r\n    border-radius: 5px;\r\n    color: #fff;\r\n    font-size: 16px;\r\n    text-transform: uppercase;\r\n    font-weight: 600;\r\n    transition: 0.3s;\r\n    cursor: pointer;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit]:hover {\r\n    background: #333;\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-13 15:00:54','2023-03-13 15:00:54','',35,'http://cmdev-site1.com/?p=291',0,'revision','',0),(292,1,'2023-03-13 15:06:12','2023-03-13 15:06:12','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    margin-bottom: 30px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    display: grid;\r\n    grid-template-columns: 5fr 7fr;\r\n    column-gap: 40px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    padding: 0;\r\n    font-size: 13px;\r\n    color: #000;\r\n    line-height: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_label, .gform_wrapper.tc_wrapper .gfield.two_box .validation_message {\r\n    grid-column: 1/-1;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text], .gform_wrapper.tc_wrapper input[type=email], .gform_wrapper.tc_wrapper input[type=tel], .gform_wrapper.tc_wrapper input[type=number] {\r\n    border: 1px solid #999;\r\n    outline: none;\r\n    border-radius: 5px;\r\n    padding: 12px 15px;\r\n    font-size: 15px !important;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text]:focus, .gform_wrapper.tc_wrapper input[type=email]:focus, .gform_wrapper.tc_wrapper input[type=tel]:focus, .gform_wrapper.tc_wrapper input[type=number]:focus {\r\n    border-color: #333;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=number]::-webkit-outer-spin-button, .gform_wrapper.tc_wrapper input[type=number]::-webkit-inner-spin-button {\r\n    -webkit-appearance: none;\r\n    -moz-appearance: textfield;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    font-weight: 600;\r\n    color: #000;\r\n    font-size: 14px;\r\n    margin: 0;\r\n    max-width: 40%;\r\n    line-height: 18px;\r\n    margin-bottom: 5px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio .gchoice input[type=radio] {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 16px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio label {\r\n    width: 100%;\r\n    max-width: 100%;\r\n    border: 1px solid #666;\r\n    text-align: center;\r\n    color: #333;\r\n    padding: 10px;\r\n    border-radius: 5px;\r\n    cursor: pointer;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio input:checked + label {\r\n    background: #e3e1e1;\r\n    color: #000;\r\n    border-color: #000;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label {\r\n    padding: 0;\r\n    margin: 40px 0 0 0;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit] {\r\n    margin: 0;\r\n    padding: 12px 50px;\r\n    border: 1px solid #000;\r\n    background: #000;\r\n    border-radius: 5px;\r\n    color: #fff;\r\n    font-size: 16px;\r\n    text-transform: uppercase;\r\n    font-weight: 600;\r\n    transition: 0.3s;\r\n    cursor: pointer;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit]:hover {\r\n    background: #333;\r\n}\r\n\r\n\r\n.gform_wrapper.tc_wrapper .gform_validation_errors {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield_error .validation_message {\r\n    border: none;\r\n    background: transparent;\r\n    color: #C02B0A !important;\r\n    margin-top: 5px;\r\n    padding: 0;\r\n    font-size: 14px;\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-13 15:06:12','2023-03-13 15:06:12','',35,'http://cmdev-site1.com/?p=292',0,'revision','',0),(293,1,'2023-03-13 15:08:39','2023-03-13 15:08:39','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    margin-bottom: 30px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    display: grid;\r\n    grid-template-columns: 5fr 7fr;\r\n    column-gap: 40px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    padding: 0;\r\n    font-size: 13px;\r\n    color: #000;\r\n    line-height: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_label, .gform_wrapper.tc_wrapper .gfield.two_box .validation_message {\r\n    grid-column: 1/-1;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text], .gform_wrapper.tc_wrapper input[type=email], .gform_wrapper.tc_wrapper input[type=tel], .gform_wrapper.tc_wrapper input[type=number] {\r\n    border: 1px solid #999;\r\n    outline: none;\r\n    border-radius: 5px;\r\n    padding: 12px 15px;\r\n    font-size: 15px !important;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text]:focus, .gform_wrapper.tc_wrapper input[type=email]:focus, .gform_wrapper.tc_wrapper input[type=tel]:focus, .gform_wrapper.tc_wrapper input[type=number]:focus {\r\n    border-color: #333;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=number]::-webkit-outer-spin-button, .gform_wrapper.tc_wrapper input[type=number]::-webkit-inner-spin-button {\r\n    -webkit-appearance: none;\r\n    -moz-appearance: textfield;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    font-weight: 600;\r\n    color: #000;\r\n    font-size: 14px;\r\n    margin: 0;\r\n    max-width: 40%;\r\n    line-height: 18px;\r\n    margin-bottom: 5px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio .gchoice input[type=radio] {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 16px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio label {\r\n    width: 100%;\r\n    max-width: 100%;\r\n    border: 1px solid #666;\r\n    text-align: center;\r\n    color: #333;\r\n    padding: 10px;\r\n    border-radius: 5px;\r\n    cursor: pointer;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio input:checked + label {\r\n    background: #e3e1e1;\r\n    color: #000;\r\n    border-color: #000;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label {\r\n    padding: 0;\r\n    margin: 40px 0 0 0;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit] {\r\n    margin: 0;\r\n    padding: 12px 50px;\r\n    border: 1px solid #000;\r\n    background: #000;\r\n    border-radius: 5px;\r\n    color: #fff;\r\n    font-size: 16px;\r\n    text-transform: uppercase;\r\n    font-weight: 600;\r\n    transition: 0.3s;\r\n    cursor: pointer;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit]:hover {\r\n    background: #333;\r\n}\r\n\r\n\r\n.gform_wrapper.tc_wrapper .gform_validation_errors {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield_error .validation_message {\r\n    border: none;\r\n    background: transparent;\r\n    color: #C02B0A !important;\r\n    margin-top: 5px;\r\n    padding: 0;\r\n    font-size: 14px;\r\n}\r\n\r\n@media only screen and (max-width: 767px) { \r\n	\r\n.gform_wrapper.tc_wrapper {\r\n    width: 100%;\r\n    padding: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    font-size: 18px;\r\n    margin-bottom: 20px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    grid-template-columns: 1fr;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    margin-top: 15px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    max-width: 100%;\r\n}	\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-13 15:08:39','2023-03-13 15:08:39','',35,'http://cmdev-site1.com/?p=293',0,'revision','',0),(294,1,'2023-03-13 15:09:22','2023-03-13 15:09:22','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    margin-bottom: 30px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    display: grid;\r\n    grid-template-columns: 5fr 7fr;\r\n    column-gap: 40px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    padding: 0;\r\n    font-size: 13px;\r\n    color: #000;\r\n    line-height: 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#000;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label {\r\n    padding: 0;\r\n    margin: 40px 0 0 0;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit] {\r\n    margin: 0;\r\n    padding: 12px 50px;\r\n    border: 1px solid #000;\r\n    background: #000;\r\n    border-radius: 5px;\r\n    color: #fff;\r\n    font-size: 16px;\r\n    text-transform: uppercase;\r\n    font-weight: 600;\r\n    transition: 0.3s;\r\n    cursor: pointer;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gform_footer.top_label input[type=submit]:hover {\r\n    background: #333;\r\n}\r\n\r\n\r\n.gform_wrapper.tc_wrapper .gform_validation_errors {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield_error .validation_message {\r\n    border: none;\r\n    background: transparent;\r\n    color: #C02B0A !important;\r\n    margin-top: 5px;\r\n    padding: 0;\r\n    font-size: 14px;\r\n}\r\n\r\n@media only screen and (max-width: 767px) { \r\n	\r\n.gform_wrapper.tc_wrapper {\r\n    width: 100%;\r\n    padding: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    font-size: 18px;\r\n    margin-bottom: 20px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    grid-template-columns: 1fr;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    margin-top: 15px;\r\n}\r\n.gform_wrapper.tc_wrapper input[type=text], .gform_wrapper.tc_wrapper input[type=email], .gform_wrapper.tc_wrapper input[type=tel], .gform_wrapper.tc_wrapper input[type=number] {\r\n    padding: 6px 15px;\r\n}\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    max-width: 100%;\r\n}	\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-13 15:09:22','2023-03-13 15:09:22','',35,'http://cmdev-site1.com/?p=294',0,'revision','',0),(295,3,'2023-03-14 12:42:58','2023-03-14 12:42:58','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nWhen we think of our youth, we think of all the dangerous stunts we accomplished during it—somersaults, handstands, backflips, and a few stories you don’t ever plan on telling your mother.\r\n\r\nHowever, despite the appearance of invincibility our youth provides, there is a silent threat growing in number—strokes.\r\n<h3>Are Young People Really at Risk of Having a Stroke?</h3>\r\nThe short answer is yes. Even though the overall rate of stroke is decreasing, strokes are on the rise in young and middle aged people, with “most experts considering a young stroke age to be under 45.”<sup>1</sup>\r\n\r\nWhile for most young people, the thought of having a stroke seems like an impossibility, an estimated 10% of all strokes occur in people under age 45.<sup>2</sup>\r\n\r\nAs for what causes strokes in young people, Dr. Buletko, MD at the Cleveland Clinic, states, “Illicit drug use and genetic conditions certainly account for some of the strokes we see in younger populations. Beyond that, the causes of stroke in younger adults mirror the causes in adults.”<sup>3</sup>\r\n\r\nAccording to Sanford Health Care, smoking also plays a role in strokes in young people, with high blood pressure, diabetes, and rare genetic conditions also playing a role in the risk of stroke for young people.<sup>2</sup>\r\n<h3>How Are Strokes in Young People Different?</h3>\r\nIt’s only natural to assume strokes in young people differ from strokes in older people. In fact, “Compared with strokes in older people, [a] stroke in the young is a different beast,” says S. Ausim Azizi, MD, Ph.D., a professor and the chair of neurology at Temple University Medical School in Philadelphia.<sup>1</sup>\r\n\r\nOne reason for this is due to the fact that strokes in young people can mean a “lifetime of recovery” and “loss of many productive years.”<sup>1</sup> With 15 to 30 percent of people who have had a stroke facing some sort of long-term disability, having a stroke while young can be absolutely devastating.<sup>1</sup>\r\n\r\nAnother way strokes in young people may differ is their cause. While 80 to 85 percent of all strokes at any age are caused by a clot blocking blood flow to the brain, strokes in young people can result from illicit drug use and smoking—something not nearly as common with strokes in older people.<sup>3</sup>\r\n\r\nHowever, despite some differences in severity and cause, most strokes have the same risk factors, which is why it’s paramount that young people maintain a healthy lifestyle. Some common causes for stroke (at any age) are as follows:<sup>3</sup>\r\n\r\nHigh blood pressure\r\nHigh cholesterol\r\nDiabetes\r\nSmoking\r\nObesity\r\nAbnormal heart structures\r\n<h3>Treating Strokes in Young People</h3>\r\nWhile the first line of treatment in a stroke for young people is the same as seen in older populations, stokes in young people can sometimes be harder to identify—making it more difficult for young people to seek treatment after a stroke.\r\n\r\nDr. Buletko states that a severe onset of a headache may be the first warning sign of a hemorrhagic stroke for young people, with pain characterized as “the worst headache of your life” or a “thunderclap feeling in your head” as a sign of possibly needing immediate medical attention.<sup>1</sup>\r\n\r\nOther symptoms can include vision loss, double vision, slurred speech, dizziness, or difficulty walking<sup>2</sup>—something many young people write off without there being more common stroke symptoms, such as a facial droop and weakness on one side of the body.<sup>2</sup>\r\n\r\nAll in all, strokes in young people are difficult to identify due to a lack of recognition that a stroke can happen to someone at any age. With the exception of a few additional factors causing strokes in young people, strokes in young people look the same as strokes in older populations.\r\n\r\nMaintaining a healthy lifestyle is key to possibly preventing a stroke, but there is. Unfortunately, no way to guarantee a stroke won’t happen to you. For this reason, it is recommended you familiarize yourself with stroke warning signs, which can simply be remembered by the acronym BE FAST.\r\n<h3>BE FAST stands for:</h3>\r\nBalance: A sudden loss of balance and coordination\r\nEyes: Sudden vision loss in one or both eyes and/or double vision\r\nFace: Any drooping on one side of the face\r\nArms: Sudden weakness in one arm or leg\r\nSpeech: Slurring, difficulty speaking, or difficulty understanding words\r\nTime: Quickly call 911 if you or someone you know is experiencing any of these symptoms<sup>3</sup>\r\n\r\nNo matter your age, BE FAST could save your life, so make sure to keep this acronym fresh in your memory!\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\n</span></em><em><span style=\"font-size: 8pt;\">1. Everyday Health, Think You’re Too Young for a Stroke? Think Again, 2017, <a href=\"https://www.everydayhealth.com/news/think-youre-too-young-stroke/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.everydayhealth.com/news/think-youre-too-young-stroke/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Stanford Health Care, Stroke in Young People, 2020, <a href=\"https://stanfordhealthcare.org/medical-conditions/brain-and-nerves/stroke/stroke-in-young-people.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://stanfordhealthcare.org/medical-conditions/brain-and-nerves/stroke/stroke-in-young-people.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Cleveland Clinic, Why Are Strokes on the Rise in Younger People?, 2019, <a href=\"https://health.clevelandclinic.org/why-are-strokes-on-the-rise-in-younger-people/\" target=\"_blank\" rel=\"noopener noreferrer\">https://health.clevelandclinic.org/why-are-strokes-on-the-rise-in-younger-people/</a></span></em>','The Risk Of Having A Stroke For People Under 40','','publish','open','open','','the-risk-of-having-a-stroke-for-people-under-40','','','2023-03-19 17:46:50','2023-03-19 17:46:50','',0,'http://cmdev-site1.com/?p=295',0,'post','',0),(296,3,'2023-03-14 12:42:18','2023-03-14 12:42:18','closeup view of an ecg ekg monitor on a operating room','ecg ekg monitor','','inherit','open','closed','','ecg-ekg-monitor','','','2023-03-14 12:42:39','2023-03-14 12:42:39','',295,'http://cmdev-site1.com/wp-content/uploads/2023/03/closeup-view-of-an-ecg-ekg-monitor-on-a-operating-room-1000x562-1.jpg',0,'attachment','image/jpeg',0),(297,3,'2023-03-14 12:42:43','2023-03-14 12:42:43','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nWhen we think of our youth, we think of all the dangerous stunts we accomplished during it—somersaults, handstands, backflips, and a few stories you don’t ever plan on telling your mother.\r\n\r\nHowever, despite the appearance of invincibility our youth provides, there is a silent threat growing in number—strokes.\r\n<h3>Are Young People Really at Risk of Having a Stroke?</h3>\r\nThe short answer is yes. Even though the overall rate of stroke is decreasing, strokes are on the rise in young and middle aged people, with “most experts considering a young stroke age to be under 45.”<sup>1</sup>\r\n\r\nWhile for most young people, the thought of having a stroke seems like an impossibility, an estimated 10% of all strokes occur in people under age 45.<sup>2</sup>\r\n\r\nAs for what causes strokes in young people, Dr. Buletko, MD at the Cleveland Clinic, states, “Illicit drug use and genetic conditions certainly account for some of the strokes we see in younger populations. Beyond that, the causes of stroke in younger adults mirror the causes in adults.”<sup>3</sup>\r\n\r\nAccording to Sanford Health Care, smoking also plays a role in strokes in young people, with high blood pressure, diabetes, and rare genetic conditions also playing a role in the risk of stroke for young people.<sup>2</sup>\r\n<h3>How Are Strokes in Young People Different?</h3>\r\nIt’s only natural to assume strokes in young people differ from strokes in older people. In fact, “Compared with strokes in older people, [a] stroke in the young is a different beast,” says S. Ausim Azizi, MD, Ph.D., a professor and the chair of neurology at Temple University Medical School in Philadelphia.<sup>1</sup>\r\n\r\nOne reason for this is due to the fact that strokes in young people can mean a “lifetime of recovery” and “loss of many productive years.”<sup>1</sup> With 15 to 30 percent of people who have had a stroke facing some sort of long-term disability, having a stroke while young can be absolutely devastating.<sup>1</sup>\r\n\r\nAnother way strokes in young people may differ is their cause. While 80 to 85 percent of all strokes at any age are caused by a clot blocking blood flow to the brain, strokes in young people can result from illicit drug use and smoking—something not nearly as common with strokes in older people.<sup>3</sup>\r\n\r\nHowever, despite some differences in severity and cause, most strokes have the same risk factors, which is why it’s paramount that young people maintain a healthy lifestyle. Some common causes for stroke (at any age) are as follows:<sup>3</sup>\r\n\r\nHigh blood pressure\r\nHigh cholesterol\r\nDiabetes\r\nSmoking\r\nObesity\r\nAbnormal heart structures\r\n<h3>Treating Strokes in Young People</h3>\r\nWhile the first line of treatment in a stroke for young people is the same as seen in older populations, stokes in young people can sometimes be harder to identify—making it more difficult for young people to seek treatment after a stroke.\r\n\r\nDr. Buletko states that a severe onset of a headache may be the first warning sign of a hemorrhagic stroke for young people, with pain characterized as “the worst headache of your life” or a “thunderclap feeling in your head” as a sign of possibly needing immediate medical attention.<sup>1</sup>\r\n\r\nOther symptoms can include vision loss, double vision, slurred speech, dizziness, or difficulty walking<sup>2</sup>—something many young people write off without there being more common stroke symptoms, such as a facial droop and weakness on one side of the body.<sup>2</sup>\r\n\r\nAll in all, strokes in young people are difficult to identify due to a lack of recognition that a stroke can happen to someone at any age. With the exception of a few additional factors causing strokes in young people, strokes in young people look the same as strokes in older populations.\r\n\r\nMaintaining a healthy lifestyle is key to possibly preventing a stroke, but there is. Unfortunately, no way to guarantee a stroke won’t happen to you. For this reason, it is recommended you familiarize yourself with stroke warning signs, which can simply be remembered by the acronym BE FAST.\r\n<h3>BE FAST stands for:</h3>\r\nBalance: A sudden loss of balance and coordination\r\nEyes: Sudden vision loss in one or both eyes and/or double vision\r\nFace: Any drooping on one side of the face\r\nArms: Sudden weakness in one arm or leg\r\nSpeech: Slurring, difficulty speaking, or difficulty understanding words\r\nTime: Quickly call 911 if you or someone you know is experiencing any of these symptoms<sup>3</sup>\r\n\r\nNo matter your age, BE FAST could save your life, so make sure to keep this acronym fresh in your memory!\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Everyday Health, Think You’re Too Young for a Stroke? Think Again, 2017, <a href=\"https://www.everydayhealth.com/news/think-youre-too-young-stroke/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.everydayhealth.com/news/think-youre-too-young-stroke/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Stanford Health Care, Stroke in Young People, 2020, <a href=\"https://stanfordhealthcare.org/medical-conditions/brain-and-nerves/stroke/stroke-in-young-people.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://stanfordhealthcare.org/medical-conditions/brain-and-nerves/stroke/stroke-in-young-people.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Cleveland Clinic, Why Are Strokes on the Rise in Younger People?, 2019, <a href=\"https://health.clevelandclinic.org/why-are-strokes-on-the-rise-in-younger-people/\" target=\"_blank\" rel=\"noopener noreferrer\">https://health.clevelandclinic.org/why-are-strokes-on-the-rise-in-younger-people/</a></span></em>','The Risk Of Having A Stroke For People Under 40','','inherit','closed','closed','','295-revision-v1','','','2023-03-14 12:42:43','2023-03-14 12:42:43','',295,'http://cmdev-site1.com/?p=297',0,'revision','',0),(298,3,'2023-03-14 13:12:15','2023-03-14 13:12:15','happy military family of three relaxing together at home','military family of three relaxing together','','inherit','open','closed','','military-family-of-three-relaxing-together','','','2023-03-14 13:16:40','2023-03-14 13:16:40','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/Military-Soldier-Veteran-Child-and-Spouse-1000x667-1.jpg',0,'attachment','image/jpeg',0),(299,3,'2023-03-14 13:12:20','2023-03-14 13:12:20','Stay safe. Text in white light box, with a background of sweater, dried leaves halloween autumn decoration. Coronavirus devices. Social distancing. Protection against pandemics. Cozy home','Stay safe. Text in white light box, with a background of sweater, dried leaves halloween autumn decoration. Coronavirus devices. Social distancing. Protection against pandemics','','inherit','open','closed','','stay-safe-text-in-white-light-box-with-a-background-of-sweater-dried-leaves-halloween-autumn-decoration-coronavirus-devices-social-distancing-protection-against-pandemics','','','2023-03-14 13:33:57','2023-03-14 13:33:57','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/Stay-safe-Halloween-autumn-decoration-1000x667-1.jpg',0,'attachment','image/jpeg',0),(300,3,'2023-03-14 13:12:25','2023-03-14 13:12:25','little adorable african american grandchild whispering to her smiling grandfather while sitting on bench in park','little adorable african american grandchild whispering to her sm','','inherit','open','closed','','little-adorable-african-american-grandchild-whispering-to-her-sm','','','2023-03-14 13:39:24','2023-03-14 13:39:24','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/grandchild-whispering-to-her-smiling-grandfather-1000x667-1.jpg',0,'attachment','image/jpeg',0),(301,3,'2023-03-14 13:12:29','2023-03-14 13:12:29','Young people sitting at cafe table and having coffee together. Group of friends making a toast with coffee.','Group of friends at cafe having coffee together','','inherit','open','closed','','group-of-friends-at-cafe-having-coffee-together','','','2023-03-14 13:44:18','2023-03-14 13:44:18','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/Group-of-friends-at-cafe-having-coffee-together-1000x660-1.jpg',0,'attachment','image/jpeg',0),(302,3,'2023-03-14 13:12:33','2023-03-14 13:12:33','credit score concept on the screen of smartphone, checking payment history and ranking in bank','credit score concept on the screen of smartphone, checking payme','','inherit','open','closed','','credit-score-concept-on-the-screen-of-smartphone-checking-payme','','','2023-03-14 13:49:30','2023-03-14 13:49:30','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/credit-score-screen-of-smartphone-1000x667-1.jpg',0,'attachment','image/jpeg',0),(303,3,'2023-03-14 13:12:40','2023-03-14 13:12:40','A house sold sign with trees in the background ','sold sign in front of house or condo','','inherit','open','closed','','sold-sign-in-front-of-house-or-condo','','','2023-03-14 13:54:02','2023-03-14 13:54:02','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/For-Sale-1000x669-1.jpg',0,'attachment','image/jpeg',0),(304,3,'2023-03-14 13:12:45','2023-03-14 13:12:45','Candid shot of focused beautiful young African housewife wearing headband and casual shirt paying utility bills online using laptop computer, sitting at kitchen table with papers and smiling','Candid shot of focused beautiful young African housewife wearing headband and casual shirt paying utility bills online using laptop computer, sitting at kitchen table with papers and smiling','','inherit','open','closed','','candid-shot-of-focused-beautiful-young-african-housewife-wearing-headband-and-casual-shirt-paying-utility-bills-online-using-laptop-computer-sitting-at-kitchen-table-with-papers-and-smiling','','','2023-03-14 13:58:47','2023-03-14 13:58:47','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/Woman-paying-utility-bills-online-using-laptop-computer-1000x667-1.jpg',0,'attachment','image/jpeg',0),(305,3,'2023-03-14 13:12:59','2023-03-14 13:12:59','Burial Insurance memo.','Burial Insurance memo on the green sheet and money.','','inherit','open','closed','','burial-insurance-memo-on-the-green-sheet-and-money','','','2023-03-14 14:13:16','2023-03-14 14:13:16','',0,'http://cmdev-site1.com/wp-content/uploads/2023/03/Burial-Insurance-1000x667-1.jpg',0,'attachment','image/jpeg',0),(306,3,'2023-03-14 13:21:12','2023-03-14 13:21:12','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nVeterans put their lives on the line, fighting to protect our way of life and rights as everyday Americans. For this reason and more, it’s paramount we serve our veterans as well as they served us, and one way to do this is through providing life insurance.\r\n\r\nLife insurance plays a pivotal role in providing financial protection for families all around the globe. For veterans, life insurance can make all the difference by providing their families with long-term financial security given the “extraordinary risks involved in military service.”<sup>1\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h3>Life Insurance Options for Veterans</h3>\r\nLife insurance is a valuable asset for many Americans, especially for veterans. So, when it comes to selecting a life insurance option, it’s important veterans be informed of their options. For veterans, there are two main options for securing life insurance. Veterans can either purchase life insurance from the public, government funded sector or in the private sector.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Servicemembers’ Group Life Insurance (SGLI)</h4>\r\nSGLI is a public life insurance option given to all military service personnel after enrolling in the military. SGLI offers military personal maximum coverage up to $400,000 and includes traumatic injury protection.<sup>2</sup> However, SGLI only lasts for 120 days after service has ended, meaning that military personnel will have to find another form of life insurance coverage in the public or private sector after SGLI has expired.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Servicemembers’ Group Disability Extension Life Insurance (SGLI - DE)</h4>\r\nUnlike other life insurance options, SGLI - DE is an extension of SGLI offered only to servicemembers rendered “totally disabled at the time of discharge.”<sup>2</sup> Those who qualify for SGLI - E may apply to keep their SGLI coverage for an additional two years after their initial service separation date.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Service - Disabled Veterans Insurance (S -DVI)</h4>\r\nS - DVI is a life insurance program provided to eligible military veterans who have received a “service-connected disability rating” from the VA.<sup>2</sup> S - DVI provides veterans with $10,000 in life insurance coverage, and veterans who qualify may also be able to apply for a premium waiver.<sup>2</sup> For veterans who qualify, they may be able to receive an additional $30,000 in life insurance coverage.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Veterans Group Life Insurance (VGLI)</h4>\r\nThe most common life insurance option for veterans is the VGLI, which is designed to help former servicemembers convert from SGLI to a “civilian program of lifetime renewable term coverage after separation from service.”<sup>1</sup> One of the main benefits of VGLI includes allowing veterans to receive up to 50% of their life insurance proceeds early if they have a life expectancy of nine months or less.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h3>Private Sector</h3>\r\nIf public life insurance isn’t fit for your situation as a US veteran or family member of a US veteran, there are other life insurance options available—namely in the private sector.\r\n\r\nThere are a number of ways to convert from the public, military provided life insurance to private life insurance, but one of the most common methods involves switching from SGLI to private health insurance immediately after SGLI expires (120 days after service has ended).<sup>2</sup>\r\n\r\nTo prevent any gaps in coverage, it’s vital that those looking to transition to private life insurance start any applications needed as soon as possible.\r\n\r\nAnother option veterans have is to transition from SGLI to VGLI, allowing veterans and their families time to explore, consider, and settle on a private life insurance policy without risking gaps in coverage.<sup>2</sup>\r\n\r\nHowever, like public life insurance, private life insurance comes in a number of different shapes and sizes. For this reason, it is recommended that veterans considering a private life insurance policy explore the different types of private life insurance options available, like term and whole life insurance.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Term Life Insurance</h4>\r\nTerm life insurance provides the insured with a predetermined death benefit and covers the insured for a set number of years.<sup>3</sup> The number of years in which the insured is under the policy is called a “term.”\r\n\r\nAfter the term of the policy, the insured will have to decide whether to renew their term life policy for another term. Annual premiums are typically offered at a fixed rate, and the death benefit only pays out if the insured dies during the designated term period.\r\n\r\nTerm life insurance is often the least expensive of life insurance available.<sup>3\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Permanent Life Insurance</h4>\r\nPermanent life insurance provides the insured with a death benefit as well as a cash value component.<sup>3</sup> In other words, the premiums the insured pays go towards the policy while acquiring cash value, which the insured can then access to help supplement their income or make payments while they’re still alive.<sup>3</sup>\r\n\r\nPermanent life insurance is designed to cover the insured for as long as they are alive, meaning that the insured doesn’t have to worry about their policy expiring at the end of a term or needing to renew.\r\n\r\nIn closing, there are a number of different options veterans can pursue when considering a life insurance policy.\r\n\r\nHowever, what they ultimately decide should be based on what’s best for them and their own financial well-being. We suggest consulting a financial advisor to help advise you during your decision making process.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. U.S. Department of Veterans Affairs, Life Insurance, 2019, <a href=\"https://www.benefits.va.gov/insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.benefits.va.gov/insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Investopedia, Life Insurance for Veterans, 2019, <a href=\"https://www.policygenius.com/life-insurance/life-insurance-for-veterans/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.policygenius.com/life-insurance/life-insurance-for-veterans/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Investopedia, The Best Type of Life Insurance For You Right Now, 2019, <a href=\"https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx</a></span></em>','Beyond Active Duty: Life Insurance Options For US Veterans','','publish','open','open','','beyond-active-duty-life-insurance-options-for-us-veterans','','','2023-03-19 17:47:16','2023-03-19 17:47:16','',0,'http://cmdev-site1.com/?p=306',0,'post','',0),(309,3,'2023-03-14 13:20:56','2023-03-14 13:20:56','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nVeterans put their lives on the line, fighting to protect our way of life and rights as everyday Americans. For this reason and more, it’s paramount we serve our veterans as well as they served us, and one way to do this is through providing life insurance.\r\n\r\nLife insurance plays a pivotal role in providing financial protection for families all around the globe. For veterans, life insurance can make all the difference by providing their families with long-term financial security given the “extraordinary risks involved in military service.”<sup>1\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h3>Life Insurance Options for Veterans</h3>\r\nLife insurance is a valuable asset for many Americans, especially for veterans. So, when it comes to selecting a life insurance option, it’s important veterans be informed of their options. For veterans, there are two main options for securing life insurance. Veterans can either purchase life insurance from the public, government funded sector or in the private sector.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Servicemembers’ Group Life Insurance (SGLI)</h4>\r\nSGLI is a public life insurance option given to all military service personnel after enrolling in the military. SGLI offers military personal maximum coverage up to $400,000 and includes traumatic injury protection.<sup>2</sup> However, SGLI only lasts for 120 days after service has ended, meaning that military personnel will have to find another form of life insurance coverage in the public or private sector after SGLI has expired.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Servicemembers’ Group Disability Extension Life Insurance (SGLI - DE)</h4>\r\nUnlike other life insurance options, SGLI - DE is an extension of SGLI offered only to servicemembers rendered “totally disabled at the time of discharge.”<sup>2</sup> Those who qualify for SGLI - E may apply to keep their SGLI coverage for an additional two years after their initial service separation date.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Service - Disabled Veterans Insurance (S -DVI)</h4>\r\nS - DVI is a life insurance program provided to eligible military veterans who have received a “service-connected disability rating” from the VA.<sup>2</sup> S - DVI provides veterans with $10,000 in life insurance coverage, and veterans who qualify may also be able to apply for a premium waiver.<sup>2</sup> For veterans who qualify, they may be able to receive an additional $30,000 in life insurance coverage.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Veterans Group Life Insurance (VGLI)</h4>\r\nThe most common life insurance option for veterans is the VGLI, which is designed to help former servicemembers convert from SGLI to a “civilian program of lifetime renewable term coverage after separation from service.”<sup>1</sup> One of the main benefits of VGLI includes allowing veterans to receive up to 50% of their life insurance proceeds early if they have a life expectancy of nine months or less.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h3>Private Sector</h3>\r\nIf public life insurance isn’t fit for your situation as a US veteran or family member of a US veteran, there are other life insurance options available—namely in the private sector.\r\n\r\nThere are a number of ways to convert from the public, military provided life insurance to private life insurance, but one of the most common methods involves switching from SGLI to private health insurance immediately after SGLI expires (120 days after service has ended).<sup>2</sup>\r\n\r\nTo prevent any gaps in coverage, it’s vital that those looking to transition to private life insurance start any applications needed as soon as possible.\r\n\r\nAnother option veterans have is to transition from SGLI to VGLI, allowing veterans and their families time to explore, consider, and settle on a private life insurance policy without risking gaps in coverage.<sup>2</sup>\r\n\r\nHowever, like public life insurance, private life insurance comes in a number of different shapes and sizes. For this reason, it is recommended that veterans considering a private life insurance policy explore the different types of private life insurance options available, like term and whole life insurance.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Term Life Insurance</h4>\r\nTerm life insurance provides the insured with a predetermined death benefit and covers the insured for a set number of years.<sup>3</sup> The number of years in which the insured is under the policy is called a “term.”\r\n\r\nAfter the term of the policy, the insured will have to decide whether to renew their term life policy for another term. Annual premiums are typically offered at a fixed rate, and the death benefit only pays out if the insured dies during the designated term period.\r\n\r\nTerm life insurance is often the least expensive of life insurance available.<sup>3\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Permanent Life Insurance</h4>\r\nPermanent life insurance provides the insured with a death benefit as well as a cash value component.<sup>3</sup> In other words, the premiums the insured pays go towards the policy while acquiring cash value, which the insured can then access to help supplement their income or make payments while they’re still alive.<sup>3</sup>\r\n\r\nPermanent life insurance is designed to cover the insured for as long as they are alive, meaning that the insured doesn’t have to worry about their policy expiring at the end of a term or needing to renew.\r\n\r\nIn closing, there are a number of different options veterans can pursue when considering a life insurance policy.\r\n\r\nHowever, what they ultimately decide should be based on what’s best for them and their own financial well-being. We suggest consulting a financial advisor to help advise you during your decision making process.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. U.S. Department of Veterans Affairs, Life Insurance, 2019, <a href=\"https://www.benefits.va.gov/insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.benefits.va.gov/insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Investopedia, Life Insurance for Veterans, 2019, <a href=\"https://www.policygenius.com/life-insurance/life-insurance-for-veterans/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.policygenius.com/life-insurance/life-insurance-for-veterans/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Investopedia, The Best Type of Life Insurance For You Right Now, 2019, <a href=\"https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx</a></span></em>','Beyond Active Duty: Life Insurance Options For US Veterans','','inherit','closed','closed','','306-revision-v1','','','2023-03-14 13:20:56','2023-03-14 13:20:56','',306,'http://cmdev-site1.com/?p=309',0,'revision','',0),(308,3,'2023-03-14 13:19:05','2023-03-14 13:19:05','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nVeterans put their lives on the line, fighting to protect our way of life and rights as everyday Americans. For this reason and more, it’s paramount we serve our veterans as well as they served us, and one way to do this is through providing life insurance.\r\n\r\nLife insurance plays a pivotal role in providing financial protection for families all around the globe. For veterans, life insurance can make all the difference by providing their families with long-term financial security given the “extraordinary risks involved in military service.”<sup>1</sup>\r\n<h3>Life Insurance Options for Veterans</h3>\r\nLife insurance is a valuable asset for many Americans, especially for veterans. So, when it comes to selecting a life insurance option, it’s important veterans be informed of their options. For veterans, there are two main options for securing life insurance. Veterans can either purchase life insurance from the public, government funded sector or in the private sector.<sup>2</sup>\r\n<h4>Servicemembers’ Group Life Insurance (SGLI)</h4>\r\nSGLI is a public life insurance option given to all military service personnel after enrolling in the military. SGLI offers military personal maximum coverage up to $400,000 and includes traumatic injury protection.<sup>2</sup> However, SGLI only lasts for 120 days after service has ended, meaning that military personnel will have to find another form of life insurance coverage in the public or private sector after SGLI has expired.\r\n<h4>Servicemembers’ Group Disability Extension Life Insurance (SGLI - DE)</h4>\r\nUnlike other life insurance options, SGLI - DE is an extension of SGLI offered only to servicemembers rendered “totally disabled at the time of discharge.”<sup>2</sup> Those who qualify for SGLI - E may apply to keep their SGLI coverage for an additional two years after their initial service separation date.<sup>2</sup>\r\n<h4>Service - Disabled Veterans Insurance (S -DVI)</h4>\r\nS - DVI is a life insurance program provided to eligible military veterans who have received a “service-connected disability rating” from the VA.<sup>2</sup> S - DVI provides veterans with $10,000 in life insurance coverage, and veterans who qualify may also be able to apply for a premium waiver.<sup>2</sup> For veterans who qualify, they may be able to receive an additional $30,000 in life insurance coverage.<sup>2</sup>\r\n<h4>Veterans Group Life Insurance (VGLI)</h4>\r\nThe most common life insurance option for veterans is the VGLI, which is designed to help former servicemembers convert from SGLI to a “civilian program of lifetime renewable term coverage after separation from service.”<sup>1</sup> One of the main benefits of VGLI includes allowing veterans to receive up to 50% of their life insurance proceeds early if they have a life expectancy of nine months or less.<sup>2</sup>\r\n<h3>Private Sector</h3>\r\nIf public life insurance isn’t fit for your situation as a US veteran or family member of a US veteran, there are other life insurance options available—namely in the private sector.\r\n\r\nThere are a number of ways to convert from the public, military provided life insurance to private life insurance, but one of the most common methods involves switching from SGLI to private health insurance immediately after SGLI expires (120 days after service has ended).<sup>2</sup>\r\n\r\nTo prevent any gaps in coverage, it’s vital that those looking to transition to private life insurance start any applications needed as soon as possible.\r\n\r\nAnother option veterans have is to transition from SGLI to VGLI, allowing veterans and their families time to explore, consider, and settle on a private life insurance policy without risking gaps in coverage.<sup>2</sup>\r\n\r\nHowever, like public life insurance, private life insurance comes in a number of different shapes and sizes. For this reason, it is recommended that veterans considering a private life insurance policy explore the different types of private life insurance options available, like term and whole life insurance.\r\n<h4>Term Life Insurance</h4>\r\nTerm life insurance provides the insured with a predetermined death benefit and covers the insured for a set number of years.<sup>3</sup> The number of years in which the insured is under the policy is called a “term.”\r\n\r\nAfter the term of the policy, the insured will have to decide whether to renew their term life policy for another term. Annual premiums are typically offered at a fixed rate, and the death benefit only pays out if the insured dies during the designated term period.\r\n\r\nTerm life insurance is often the least expensive of life insurance available.<sup>3</sup>\r\n<h4>Permanent Life Insurance</h4>\r\nPermanent life insurance provides the insured with a death benefit as well as a cash value component.<sup>3</sup> In other words, the premiums the insured pays go towards the policy while acquiring cash value, which the insured can then access to help supplement their income or make payments while they’re still alive.<sup>3</sup>\r\n\r\nPermanent life insurance is designed to cover the insured for as long as they are alive, meaning that the insured doesn’t have to worry about their policy expiring at the end of a term or needing to renew.\r\n\r\nIn closing, there are a number of different options veterans can pursue when considering a life insurance policy.\r\n\r\nHowever, what they ultimately decide should be based on what’s best for them and their own financial well-being. We suggest consulting a financial advisor to help advise you during your decision making process.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. U.S. Department of Veterans Affairs, Life Insurance, 2019, <a href=\"https://www.benefits.va.gov/insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.benefits.va.gov/insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Investopedia, Life Insurance for Veterans, 2019, <a href=\"https://www.policygenius.com/life-insurance/life-insurance-for-veterans/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.policygenius.com/life-insurance/life-insurance-for-veterans/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Investopedia, The Best Type of Life Insurance For You Right Now, 2019, <a href=\"https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx</a></span></em>','Beyond Active Duty: Life Insurance Options For US Veterans','','inherit','closed','closed','','306-revision-v1','','','2023-03-14 13:19:05','2023-03-14 13:19:05','',306,'http://cmdev-site1.com/?p=308',0,'revision','',0),(311,3,'2023-03-14 13:29:03','2023-03-14 13:29:03','<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<span style=\"color: #ffffff;\">-</span>\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<span style=\"color: #ffffff;\">-</span>\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<span style=\"color: #ffffff;\">-</span></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\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\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','','publish','open','open','','life-insurance-on-children-what-you-need-to-know','','','2023-03-19 17:47:44','2023-03-19 17:47:44','',0,'http://cmdev-site1.com/?p=311',0,'post','',0),(313,3,'2023-03-14 13:28:02','2023-03-14 13:28:02','<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-\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 13:28:02','2023-03-14 13:28:02','',311,'http://cmdev-site1.com/?p=313',0,'revision','',0),(314,3,'2023-03-14 13:28:51','2023-03-14 13:28:51','<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<span style=\"color: #ffffff;\">-</span>\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<span style=\"color: #ffffff;\">-</span>\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<span style=\"color: #ffffff;\">-</span></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 13:28:51','2023-03-14 13:28:51','',311,'http://cmdev-site1.com/?p=314',0,'revision','',0),(315,3,'2023-03-14 13:34:59','2023-03-14 13:34:59','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nHalloween is a time for costumes, treats, and make-believe scares. In preparation for the fun, however, very real safety concerns should be addressed. One of the biggest concerns during Halloween is pedestrian safety.\r\n\r\nTrick-or-treating is a lot of fun, but there are some frightening statistics when safety measures aren’t taken. According to the National Safety Council:\r\n<blockquote><em>Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year, and October ranks No. 2 in motor vehicle deaths by month.</em></blockquote>\r\nTo help your loved ones stay safe during the spooky season, we’ve compiled some helpful “tricks” below:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Trick-Or-Treat Tips</h4>\r\n<ol>\r\n 	<li>Younger kids (under age 12) should have a dependable adult with them.</li>\r\n 	<li>Only trick-or-treat in well-lit, well-known areas (like your street and/or neighborhood).</li>\r\n 	<li>NEVER enter a stranger’s home or car.</li>\r\n 	<li>Do not cross into the street except at designated crosswalks, and NEVER run.</li>\r\n 	<li>Put away electronic devices (adults and kids) and keep heads up.</li>\r\n 	<li>Drivers: pay special attention for children walking and especially those in darker clothing.</li>\r\n 	<li>A grown-up should inspect all treats before consumption for loose or torn wrappers, choking hazards, etc. When in doubt, throw it out!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ol>\r\n<h4>Ghoulish Gear</h4>\r\n<ol>\r\n 	<li>Make sure costumes purchased or made are flame-resistant.</li>\r\n 	<li>Size is important. Avoid longer costumes and oversized shoes or heels to avoid tripping. Also, make sure the costume is roomy enough to compensate for layers if the night is cool.</li>\r\n 	<li>Especially during twilight and later hours, dark colors are hard to see. Opt for bright hues or add reflective tape or glow sticks to be more visible.</li>\r\n 	<li>Masks are scary and fun, but make it hard for YOU to see. Choose non-toxic makeup instead (but make sure to test it on a small area of skin first). The FDA has a list of approved color additives for cosmetic use (found <a href=\"https://www.fda.gov/Cosmetics/Labeling/IngredientNames/ucm109084.htm\" target=\"_blank\" rel=\"noopener noreferrer\">here</a>). If the colors are not included on the FDA list, avoid using that makeup.</li>\r\n 	<li>Without an actual prescription from an eye care professional, avoid colored contact lenses.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ol>\r\n<h4>Proper Pumpkin Procedures</h4>\r\n<ol>\r\n 	<li>Any carving should be done by a responsible adult.</li>\r\n 	<li>Smaller children should decorate pumpkins with paint, markers, or other craft items.</li>\r\n 	<li>Use flashlights, glow sticks, or battery-operated lights, as opposed to candles, to prevent a fire hazard.</li>\r\n 	<li>If using candles, make sure the pumpkin is on a sturdy, flat surface away from flammable objects such as curtains or other materials.</li>\r\n</ol>\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\n</span></em><em><span style=\"font-size: 8pt;\">National Safety Council </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">US Food &amp; Drug Administration </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.fda.gov/ForConsumers/ConsumerUpdates/ucm230283.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.fda.gov/ForConsumers/ConsumerUpdates/ucm230283.htm</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">Mayo Clinic </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.mayoclinic.org/healthy-lifestyle/childrens-health/in-depth/halloween-safety/art-20044976\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.mayoclinic.org/healthy-lifestyle/childrens-health/in-depth/halloween-safety/art-20044976</a></span></em>\r\n\r\n&nbsp;','Halloween Safety Every Parent Should Know','','publish','open','open','','halloween-safety-every-parent-should-know','','','2023-03-19 17:48:14','2023-03-19 17:48:14','',0,'http://cmdev-site1.com/?p=315',0,'post','',0),(316,1,'2023-03-14 13:32:07','2023-03-14 13:32:07','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    margin-bottom: 30px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    display: grid;\r\n    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13:32:07','',35,'http://cmdev-site1.com/?p=316',0,'revision','',0),(317,3,'2023-03-14 13:34:32','2023-03-14 13:34:32','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nHalloween is a time for costumes, treats, and make-believe scares. In preparation for the fun, however, very real safety concerns should be addressed. One of the biggest concerns during Halloween is pedestrian safety.\r\n\r\nTrick-or-treating is a lot of fun, but there are some frightening statistics when safety measures aren’t taken. According to the National Safety Council:\r\n<blockquote><em>Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year, and October ranks No. 2 in motor vehicle deaths by month.</em></blockquote>\r\nTo help your loved ones stay safe during the spooky season, we’ve compiled some helpful “tricks” below:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Trick-Or-Treat Tips</h4>\r\n<ol>\r\n 	<li>Younger kids (under age 12) should have a dependable adult with them.</li>\r\n 	<li>Only trick-or-treat in well-lit, well-known areas (like your street and/or neighborhood).</li>\r\n 	<li>NEVER enter a stranger’s home or car.</li>\r\n 	<li>Do not cross into the street except at designated crosswalks, and NEVER run.</li>\r\n 	<li>Put away electronic devices (adults and kids) and keep heads up.</li>\r\n 	<li>Drivers: pay special attention for children walking and especially those in darker clothing.</li>\r\n 	<li>A grown-up should inspect all treats before consumption for loose or torn wrappers, choking hazards, etc. When in doubt, throw it out!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ol>\r\n<h4>Ghoulish Gear</h4>\r\n<ol>\r\n 	<li>Make sure costumes purchased or made are flame-resistant.</li>\r\n 	<li>Size is important. Avoid longer costumes and oversized shoes or heels to avoid tripping. Also, make sure the costume is roomy enough to compensate for layers if the night is cool.</li>\r\n 	<li>Especially during twilight and later hours, dark colors are hard to see. Opt for bright hues or add reflective tape or glow sticks to be more visible.</li>\r\n 	<li>Masks are scary and fun, but make it hard for YOU to see. Choose non-toxic makeup instead (but make sure to test it on a small area of skin first). The FDA has a list of approved color additives for cosmetic use (found <a href=\"https://www.fda.gov/Cosmetics/Labeling/IngredientNames/ucm109084.htm\" target=\"_blank\" rel=\"noopener noreferrer\">here</a>). If the colors are not included on the FDA list, avoid using that makeup.</li>\r\n 	<li>Without an actual prescription from an eye care professional, avoid colored contact lenses.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ol>\r\n<h4>Proper Pumpkin Procedures</h4>\r\n<ol>\r\n 	<li>Any carving should be done by a responsible adult.</li>\r\n 	<li>Smaller children should decorate pumpkins with paint, markers, or other craft items.</li>\r\n 	<li>Use flashlights, glow sticks, or battery-operated lights, as opposed to candles, to prevent a fire hazard.</li>\r\n 	<li>If using candles, make sure the pumpkin is on a sturdy, flat surface away from flammable objects such as curtains or other material.</li>\r\n</ol>\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">National Safety Council </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">US Food &amp; Drug Administration </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.fda.gov/ForConsumers/ConsumerUpdates/ucm230283.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.fda.gov/ForConsumers/ConsumerUpdates/ucm230283.htm</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">Mayo Clinic </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.mayoclinic.org/healthy-lifestyle/childrens-health/in-depth/halloween-safety/art-20044976\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.mayoclinic.org/healthy-lifestyle/childrens-health/in-depth/halloween-safety/art-20044976</a></span></em>\r\n\r\n&nbsp;','Halloween Safety Every Parent Should Know','','inherit','closed','closed','','315-revision-v1','','','2023-03-14 13:34:32','2023-03-14 13:34:32','',315,'http://cmdev-site1.com/?p=317',0,'revision','',0),(318,3,'2023-03-14 13:40:48','2023-03-14 13:40:48','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nBeing a grandparent is a rewarding gift, and you likely love your grandchildren as much as your own children. You may even take the same responsibilities—to ensure their future is safe and opportunistic.\r\n\r\nWith that being said, many grandparents look into life insurance, as it can provide financial protection and a legacy for their grandchildren. However, with any insurance, there comes a lot of consideration and sorting through the options.\r\n\r\nIf you’re on the fence about purchasing life insurance for your grandchildren, we’ve listed the pros and cons to help you weigh all the benefits and disadvantages.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Pros of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>High value at a low cost</strong>\r\nThe perk of buying life insurance when your grandchild is young is the value of the policy. Because young children are normally healthy and have a long future, they’re easier to insure, and premiums are typically lower. We lose insurability as we age; therefore, you could get a decent amount of coverage for less than your grandchild would pay if he or she buys coverage at an older age, such as their early 30s.</li>\r\n 	<li><strong>Steady growth in cash value</strong>\r\nIf you decide to purchase a whole life insurance policy, they typically offer cash value which accumulates for the life of the policy. This cash value could come in handy later on in your grandchild’s life should they need to use it for college or a down payment on a home.</li>\r\n 	<li><strong>Leaving a legacy</strong>\r\nDue to the hardships this generation’s grandparents endured in their lifetime, many Seniors are starting to gift life insurance to their grandchildren as a financial head start. Life insurance could act as a tool for teaching your grandchildren financial responsibility.</li>\r\n 	<li><strong>Prepared for the unthinkable</strong>\r\nFinally, a benefit of getting life insurance for your grandchildren could be the primary purpose of life insurance—to prepare for the unthinkable. In the event of your grandchild’s death, a life insurance benefit could help your children during the hardest time of their lives. Parents are often financially and emotionally unprepared for the loss of a child. Your protection can help ease the burden off the parents.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ul>\r\n<h3>Cons of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>Children don’t have an income</strong>\r\nOne of the primary functions of life insurance is to help financially support the family being left behind, especially if the insured is the breadwinner. Children don’t have to worry about this because they are dependent on their parents. Some may see life insurance as irrelevant in this case, though the coverage helps with more than supplementing income.</li>\r\n 	<li><strong>Final expenses may not be too much of a burden</strong>\r\nLife insurance also helps cover final expenses. If a family is financially prepared for children and has a healthy savings account, they could use their savings to pay for the funeral and burial expenses for the child.</li>\r\n 	<li><strong>Traditional usage may not be needed</strong>\r\nFortunately, the risk of child mortality is relatively low. Therefore, you may not need life insurance coverage for traditional reasons such as final expenses.</li>\r\n</ul>\r\nTo reiterate, life insurance is complex, and there are several factors to consider. Ultimately, purchasing life insurance for your grandchildren depends on your priorities and desires.\r\n\r\nAt the end of the day, you’ll be able to rest easy knowing your grandchildren are prepared for whatever their future holds with your help, even beyond the grave.\r\n\r\nBefore deciding anything, we encourage you to talk to a licensed insurance professional about purchasing life insurance for your grandchildren.\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>.','Pros And Cons Of Purchasing Life Insurance For Your Grandchildren','','publish','open','open','','pros-and-cons-of-purchasing-life-insurance-for-your-grandchildren','','','2023-03-19 17:48:40','2023-03-19 17:48:40','',0,'http://cmdev-site1.com/?p=318',0,'post','',0),(319,3,'2023-03-14 13:40:05','2023-03-14 13:40:05','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nBeing a grandparent is a rewarding gift, and you likely love your grandchildren as much as your own children. You may even take the same responsibilities—to ensure their future is safe and opportunistic.\r\n\r\nWith that being said, many grandparents look into life insurance, as it can provide financial protection and a legacy for their grandchildren. However, with any insurance, there comes a lot of consideration and sorting through the options.\r\n\r\nIf you’re on the fence about purchasing life insurance for your grandchildren, we’ve listed the pros and cons to help you weigh all the benefits and disadvantages.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Pros of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>High value at a low cost</strong>\r\nThe perk of buying life insurance when your grandchild is young is the value of the policy. Because young children are normally healthy and have a long future, they’re easier to insure, and premiums are typically lower. We lose insurability as we age; therefore, you could get a decent amount of coverage for less than your grandchild would pay if he or she buys coverage at an older age, such as their early 30s.</li>\r\n 	<li><strong>Steady growth in cash value</strong>\r\nIf you decide to purchase a whole life insurance policy, they typically offer cash value which accumulates for the life of the policy. This cash value could come in handy later on in your grandchild’s life should they need to use it for college or a down payment on a home.</li>\r\n 	<li><strong>Leaving a legacy</strong>\r\nDue to the hardships this generation’s grandparents endured in their lifetime, many Seniors are starting to gift life insurance to their grandchildren as a financial head start. Life insurance could act as a tool for teaching your grandchildren financial responsibility.</li>\r\n 	<li><strong>Prepared for the unthinkable</strong>\r\nFinally, a benefit of getting life insurance for your grandchildren could be the primary purpose of life insurance—to prepare for the unthinkable. In the event of your grandchild’s death, a life insurance benefit could help your children during the hardest time of their lives. Parents are often financially and emotionally unprepared for the loss of a child. Your protection can help ease the burden off the parents.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ul>\r\n<h3>Cons of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>Children don’t have an income</strong>\r\nOne of the primary functions of life insurance is to help financially support the family being left behind, especially if the insured is the breadwinner. Children don’t have to worry about this because they are dependent on their parents. Some may see life insurance as irrelevant in this case, though the coverage helps with more than supplementing income.</li>\r\n 	<li><strong>Final expenses may not be too much of a burden</strong>\r\nLife insurance also helps cover final expenses. If a family is financially prepared for children and has a healthy savings account, they could use their savings to pay for the funeral and burial expenses for the child.</li>\r\n 	<li><strong>Traditional usage may not be needed</strong>\r\nFortunately, the risk of child mortality is relatively low. Therefore, you may not need life insurance coverage for traditional reasons such as final expenses.</li>\r\n</ul>\r\nTo reiterate, life insurance is complex, and there are several factors to consider. Ultimately, purchasing life insurance for your grandchildren depends on your priorities and desires.\r\n\r\nAt the end of the day, you’ll be able to rest easy knowing your grandchildren are prepared for whatever their future holds with your help, even beyond the grave. Before deciding anything, we encourage you to talk to a licensed insurance professional about purchasing life insurance for your grandchildren.','Pros And Cons Of Purchasing Life Insurance For Your Grandchildren','','inherit','closed','closed','','318-revision-v1','','','2023-03-14 13:40:05','2023-03-14 13:40:05','',318,'http://cmdev-site1.com/?p=319',0,'revision','',0),(320,3,'2023-03-14 13:40:34','2023-03-14 13:40:34','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nBeing a grandparent is a rewarding gift, and you likely love your grandchildren as much as your own children. You may even take the same responsibilities—to ensure their future is safe and opportunistic.\r\n\r\nWith that being said, many grandparents look into life insurance, as it can provide financial protection and a legacy for their grandchildren. However, with any insurance, there comes a lot of consideration and sorting through the options.\r\n\r\nIf you’re on the fence about purchasing life insurance for your grandchildren, we’ve listed the pros and cons to help you weigh all the benefits and disadvantages.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Pros of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>High value at a low cost</strong>\r\nThe perk of buying life insurance when your grandchild is young is the value of the policy. Because young children are normally healthy and have a long future, they’re easier to insure, and premiums are typically lower. We lose insurability as we age; therefore, you could get a decent amount of coverage for less than your grandchild would pay if he or she buys coverage at an older age, such as their early 30s.</li>\r\n 	<li><strong>Steady growth in cash value</strong>\r\nIf you decide to purchase a whole life insurance policy, they typically offer cash value which accumulates for the life of the policy. This cash value could come in handy later on in your grandchild’s life should they need to use it for college or a down payment on a home.</li>\r\n 	<li><strong>Leaving a legacy</strong>\r\nDue to the hardships this generation’s grandparents endured in their lifetime, many Seniors are starting to gift life insurance to their grandchildren as a financial head start. Life insurance could act as a tool for teaching your grandchildren financial responsibility.</li>\r\n 	<li><strong>Prepared for the unthinkable</strong>\r\nFinally, a benefit of getting life insurance for your grandchildren could be the primary purpose of life insurance—to prepare for the unthinkable. In the event of your grandchild’s death, a life insurance benefit could help your children during the hardest time of their lives. Parents are often financially and emotionally unprepared for the loss of a child. Your protection can help ease the burden off the parents.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ul>\r\n<h3>Cons of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>Children don’t have an income</strong>\r\nOne of the primary functions of life insurance is to help financially support the family being left behind, especially if the insured is the breadwinner. Children don’t have to worry about this because they are dependent on their parents. Some may see life insurance as irrelevant in this case, though the coverage helps with more than supplementing income.</li>\r\n 	<li><strong>Final expenses may not be too much of a burden</strong>\r\nLife insurance also helps cover final expenses. If a family is financially prepared for children and has a healthy savings account, they could use their savings to pay for the funeral and burial expenses for the child.</li>\r\n 	<li><strong>Traditional usage may not be needed</strong>\r\nFortunately, the risk of child mortality is relatively low. Therefore, you may not need life insurance coverage for traditional reasons such as final expenses.</li>\r\n</ul>\r\nTo reiterate, life insurance is complex, and there are several factors to consider. Ultimately, purchasing life insurance for your grandchildren depends on your priorities and desires.\r\n\r\nAt the end of the day, you’ll be able to rest easy knowing your grandchildren are prepared for whatever their future holds with your help, even beyond the grave.\r\n\r\nBefore deciding anything, we encourage you to talk to a licensed insurance professional about purchasing life insurance for your grandchildren.','Pros And Cons Of Purchasing Life Insurance For Your Grandchildren','','inherit','closed','closed','','318-revision-v1','','','2023-03-14 13:40:34','2023-03-14 13:40:34','',318,'http://cmdev-site1.com/?p=320',0,'revision','',0),(321,3,'2023-03-14 13:46:29','2023-03-14 13:46:29','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWhen you are a young adult, you may think your career is the main path to financial security. With financial needs evolving over time, one way young adults may be able to secure their financial future is through life insurance.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What are permanent and term life insurance?</h3>\r\nLife insurance is a financial tool that may help protect your family in the event of your passing. Two primary types of life insurance are permanent and term.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Permanent life insurance stays with you as you grow.</h3>\r\nPermanent life insurance, sometimes known as whole life, offers lifetime coverage and can include added benefits and features that may become part of your financial plan, such as a cash value feature.\r\n\r\nPermanent life insurance policies may become more expensive as you age. Permanent life insurance may also be too costly for young adults just starting out in their careers but might be an option for those who want to build cash value in their life insurance product.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Term life insurance covers you for a predetermined term.</h3>\r\nTerm life insurance is purchased for a specific time limit or pre-defined term, such as a certain number of years.<sup>1</sup> The policy pays money to named beneficiaries, the person named to receive the death benefit in the policy, if the insured dies during the coverage term.\r\n\r\nTerm life insurance may be more affordable when you are younger. This type of insurance is intended to provide lower-cost coverage for a specified time period.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>The benefits of life insurance for young adults.</h3>\r\nYoung adults who choose to purchase life insurance can experience some of these benefits:\r\n<ul>\r\n 	<li>replacement of lost income if the primary earner were to pass away</li>\r\n 	<li>payment toward outstanding debts</li>\r\n 	<li>coverage for funeral and other final expense costs</li>\r\n 	<li>care for a loved one or family members</li>\r\n 	<li>the ability to leave money to a favorite charity</li>\r\n</ul>\r\nWe now know a little bit more about permanent and term life insurance and ways they may be able to help you and your family. Let’s discuss term life insurance and explore some things to consider before purchasing.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>When should young adults consider buying term life insurance?</h3>\r\nThe decision to purchase term life insurance involves several lifestyle factors.\r\n<ul>\r\n 	<li><strong>Age:</strong> Term life insurance offers flexibility and can vary from 10, 15, 25, or more years, allowing you to select the length of your policy based on your current circumstances and make adjustments later.</li>\r\n 	<li><strong>Health:</strong> Current and past health conditions, as well as factors including age, gender, and weight, may influence the cost and your ability to get a life insurance policy.</li>\r\n 	<li><strong>Marital status:</strong> If you are single, you may need less insurance. If you are married, you may need to consider the income needs of your partner as well as any joint debt or financial investments.</li>\r\n 	<li><strong>Family status:</strong> If you have children, you may have considerations such as college funds, school tuition (for private school), and child care.</li>\r\n 	<li><strong>Financial plan:</strong> If you choose to include life insurance as part of your financial plan and long-term goals, you may want to use insurance products to help cover debts, provide additional income, and use them for future goals.</li>\r\n</ul>\r\nThis list of considerations is not exhaustive. You know your personal/financial needs best. Speaking with a licensed insurance professional can also help clarify your future needs.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Term life insurance may be advantageous for young adults.</h3>\r\nOnce you own assets and have others who count on you, you may want to consider purchasing term life insurance. Term life insurance can be an important part of helping protect your family and assets and can be part of your future financial planning strategy.\r\n\r\nPurchasing term life insurance may bring you ease and protection, knowing you have helped prepare for the future and the unexpected.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. National Association of Insurance Commissioners, Term Life Insurance, 2020, <a href=\"https://content.naic.org/cipr_topics/topic_life_insurance.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://content.naic.org/cipr_topics/topic_life_insurance.htm</a></span></em>\r\n<div id=\"malwarebytes-root\"></div>','Term Life Insurance For Young Adults: When Is The Right Time To Buy?','','publish','open','open','','term-life-insurance-for-young-adults-when-is-the-right-time-to-buy','','','2023-03-19 17:49:14','2023-03-19 17:49:14','',0,'http://cmdev-site1.com/?p=321',0,'post','',0),(322,3,'2023-03-14 13:46:01','2023-03-14 13:46:01','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWhen you are a young adult, you may think your career is the main path to financial security. With financial needs evolving over time, one way young adults may be able to secure their financial future is through life insurance.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What are permanent and term life insurance?</h3>\r\nLife insurance is a financial tool that may help protect your family in the event of your passing. Two primary types of life insurance are permanent and term.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Permanent life insurance stays with you as you grow.</h3>\r\nPermanent life insurance, sometimes known as whole life, offers lifetime coverage and can include added benefits and features that may become part of your financial plan, such as a cash value feature.\r\n\r\nPermanent life insurance policies may become more expensive as you age. Permanent life insurance may also be too costly for young adults just starting out in their careers but might be an option for those who want to build cash value in their life insurance product.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Term life insurance covers you for a predetermined term.</h3>\r\nTerm life insurance is purchased for a specific time limit or pre-defined term, such as a certain number of years.<sup>1</sup> The policy pays money to named beneficiaries, the person named to receive the death benefit in the policy, if the insured dies during the coverage term.\r\n\r\nTerm life insurance may be more affordable when you are younger. This type of insurance is intended to provide lower-cost coverage for a specified time period.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>The benefits of life insurance for young adults.</h3>\r\nYoung adults who choose to purchase life insurance can experience some of these benefits:\r\n<ul>\r\n 	<li>replacement of lost income if the primary earner were to pass away</li>\r\n 	<li>payment toward outstanding debts</li>\r\n 	<li>coverage for funeral and other final expense costs</li>\r\n 	<li>care for a loved one or family members</li>\r\n 	<li>the ability to leave money to a favorite charity</li>\r\n</ul>\r\nWe now know a little bit more about permanent and term life insurance and ways they may be able to help you and your family. Let’s discuss term life insurance and explore some things to consider before purchasing.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>When should young adults consider buying term life insurance?</h3>\r\nThe decision to purchase term life insurance involves several lifestyle factors.\r\n<ul>\r\n 	<li><strong>Age:</strong> Term life insurance offers flexibility and can vary from 10, 15, 25, or more years, allowing you to select the length of your policy based on your current circumstances and make adjustments later.</li>\r\n 	<li><strong>Health:</strong> Current and past health conditions, as well as factors including age, gender, and weight, may influence the cost and your ability to get a life insurance policy.</li>\r\n 	<li><strong>Marital status:</strong> If you are single, you may need less insurance. If you are married, you may need to consider the income needs of your partner as well as any joint debt or financial investments.</li>\r\n 	<li><strong>Family status:</strong> If you have children, you may have considerations such as college funds, school tuition (for private school), and child care.</li>\r\n 	<li><strong>Financial plan:</strong> If you choose to include life insurance as part of your financial plan and long-term goals, you may want to use insurance products to help cover debts, provide additional income, and use them for future goals.</li>\r\n</ul>\r\nThis list of considerations is not exhaustive. You know your personal/financial needs best. Speaking with a licensed insurance professional can also help clarify your future needs.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Term life insurance may be advantageous for young adults.</h3>\r\nOnce you own assets and have others who count on you, you may want to consider purchasing term life insurance. Term life insurance can be an important part of helping protect your family and assets and can be part of your future financial planning strategy.\r\n\r\nPurchasing term life insurance may bring you ease and protection, knowing you have helped prepare for the future and the unexpected.\r\n\r\nIt’s important to do your research and shop around. To find coverage that matches your needs, do your research and contact a licensed insurance professional for guidance.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. National Association of Insurance Commissioners, Term Life Insurance, 2020, <a href=\"https://content.naic.org/cipr_topics/topic_life_insurance.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://content.naic.org/cipr_topics/topic_life_insurance.htm</a></span></em>\r\n<div id=\"malwarebytes-root\"></div>','Term Life Insurance For Young Adults: When Is The Right Time To Buy?','','inherit','closed','closed','','321-revision-v1','','','2023-03-14 13:46:01','2023-03-14 13:46:01','',321,'http://cmdev-site1.com/?p=322',0,'revision','',0),(410,3,'2023-03-19 17:49:14','2023-03-19 17:49:14','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWhen you are a young adult, you may think your career is the main path to financial security. With financial needs evolving over time, one way young adults may be able to secure their financial future is through life insurance.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What are permanent and term life insurance?</h3>\r\nLife insurance is a financial tool that may help protect your family in the event of your passing. Two primary types of life insurance are permanent and term.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Permanent life insurance stays with you as you grow.</h3>\r\nPermanent life insurance, sometimes known as whole life, offers lifetime coverage and can include added benefits and features that may become part of your financial plan, such as a cash value feature.\r\n\r\nPermanent life insurance policies may become more expensive as you age. Permanent life insurance may also be too costly for young adults just starting out in their careers but might be an option for those who want to build cash value in their life insurance product.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Term life insurance covers you for a predetermined term.</h3>\r\nTerm life insurance is purchased for a specific time limit or pre-defined term, such as a certain number of years.<sup>1</sup> The policy pays money to named beneficiaries, the person named to receive the death benefit in the policy, if the insured dies during the coverage term.\r\n\r\nTerm life insurance may be more affordable when you are younger. This type of insurance is intended to provide lower-cost coverage for a specified time period.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>The benefits of life insurance for young adults.</h3>\r\nYoung adults who choose to purchase life insurance can experience some of these benefits:\r\n<ul>\r\n 	<li>replacement of lost income if the primary earner were to pass away</li>\r\n 	<li>payment toward outstanding debts</li>\r\n 	<li>coverage for funeral and other final expense costs</li>\r\n 	<li>care for a loved one or family members</li>\r\n 	<li>the ability to leave money to a favorite charity</li>\r\n</ul>\r\nWe now know a little bit more about permanent and term life insurance and ways they may be able to help you and your family. Let’s discuss term life insurance and explore some things to consider before purchasing.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>When should young adults consider buying term life insurance?</h3>\r\nThe decision to purchase term life insurance involves several lifestyle factors.\r\n<ul>\r\n 	<li><strong>Age:</strong> Term life insurance offers flexibility and can vary from 10, 15, 25, or more years, allowing you to select the length of your policy based on your current circumstances and make adjustments later.</li>\r\n 	<li><strong>Health:</strong> Current and past health conditions, as well as factors including age, gender, and weight, may influence the cost and your ability to get a life insurance policy.</li>\r\n 	<li><strong>Marital status:</strong> If you are single, you may need less insurance. If you are married, you may need to consider the income needs of your partner as well as any joint debt or financial investments.</li>\r\n 	<li><strong>Family status:</strong> If you have children, you may have considerations such as college funds, school tuition (for private school), and child care.</li>\r\n 	<li><strong>Financial plan:</strong> If you choose to include life insurance as part of your financial plan and long-term goals, you may want to use insurance products to help cover debts, provide additional income, and use them for future goals.</li>\r\n</ul>\r\nThis list of considerations is not exhaustive. You know your personal/financial needs best. Speaking with a licensed insurance professional can also help clarify your future needs.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Term life insurance may be advantageous for young adults.</h3>\r\nOnce you own assets and have others who count on you, you may want to consider purchasing term life insurance. Term life insurance can be an important part of helping protect your family and assets and can be part of your future financial planning strategy.\r\n\r\nPurchasing term life insurance may bring you ease and protection, knowing you have helped prepare for the future and the unexpected.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. National Association of Insurance Commissioners, Term Life Insurance, 2020, <a href=\"https://content.naic.org/cipr_topics/topic_life_insurance.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://content.naic.org/cipr_topics/topic_life_insurance.htm</a></span></em>\r\n<div id=\"malwarebytes-root\"></div>','Term Life Insurance For Young Adults: When Is The Right Time To Buy?','','inherit','closed','closed','','321-revision-v1','','','2023-03-19 17:49:14','2023-03-19 17:49:14','',321,'http://cmdev-site1.com/?p=410',0,'revision','',0),(324,3,'2023-03-14 13:50:47','2023-03-14 13:50:47','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nIf you want to buy life insurance, you probably already know you’re making a decision to help protect your loved ones in the event of your passing.\r\n\r\nAs you research the type and amount of life insurance that’s right for you, you may be wondering, can getting a life insurance quote affect my credit score?\r\n\r\nIn short, the answer is no. But there might be some more info you should know.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Insurer May Check Your Credit</h3>\r\nWhen you’re in the market for a life insurance policy, the insurer may look at your credit. It’s important to note most insurance companies do not use your credit score. But they might look at events on your credit report like bankruptcy.<sup>1</sup>\r\n\r\nInsurance companies may also look at your LexisNexis risk score, which lifeant.com describes as “a composite score that looks at your credit score, driving record, and more and creates an overall rating of how risky you are to insurance companies.”<sup>1</sup> The attributes used vary significantly by company.\r\n\r\nWhen a life insurance carrier checks this data, it is an inquiry known as a soft inquiry rather than a hard inquiry.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What is a Soft Inquiry?</h3>\r\nA soft inquiry is when your credit report is checked, but your credit score is not impacted because the inquiry is not related to a specific application for credit.<sup>2</sup>\r\n\r\nA soft inquiry may happen when you check your own credit, a company checks your credit to determine if you’re qualified for preapproval offers, or a current creditor checks your credit, to name a few examples.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Life Insurance Companies Make Soft Inquiries</h3>\r\nA life insurance company checking your credit is also considered a soft inquiry. Therefore, it does not affect your credit score.<sup>2</sup> So when you’re in the process of researching or buying life insurance, the impact on your credit score (or lack thereof) isn’t something to agonize over.\r\n\r\nIt’s worth noting your credit history may have an impact on your life insurance rates.<sup>1</sup> Again, the credit data life insurers access varies by company, and each state views this information differently.\\\r\n\r\nAlso, your credit history is just one of many factors that your insurer will consider when determining your life insurance premium rates.\r\n\r\nState insurance regulators are beginning to monitor the impact of credit-based information on consumers.<sup>3</sup>\r\n\r\nIf you have any questions about your credit, contact a financial advisor. For 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\n</span></em><em><span style=\"font-size: 8pt;\">1. Life Ant, Do You Need Good Credit to Buy Life Insurance?, 2020, <a href=\"https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Experian, What is a Soft Inquiry?, 2019, <a href=\"https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. NAIC, Credit-Based Insurance Scores, 2021, <a href=\"https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm</a></span></em>','Can Getting A Life Insurance Quote Affect My Credit Score?','','publish','open','open','','can-getting-a-life-insurance-quote-affect-my-credit-score','','','2023-03-19 17:49:43','2023-03-19 17:49:43','',0,'http://cmdev-site1.com/?p=324',0,'post','',0),(325,3,'2023-03-14 13:50:05','2023-03-14 13:50:05','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nIf you want to buy life insurance, you probably already know you’re making a decision to help protect your loved ones in the event of your passing.\r\n\r\nAs you research the type and amount of life insurance that’s right for you, you may be wondering, can getting a life insurance quote affect my credit score?\r\n\r\nIn short, the answer is no. But there might be some more info you should know.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Insurer May Check Your Credit</h3>\r\nWhen you’re in the market for a life insurance policy, the insurer may look at your credit. It’s important to note most insurance companies do not use your credit score. But they might look at events on your credit report like bankruptcy.<sup>1</sup>\r\n\r\nInsurance companies may also look at your LexisNexis risk score, which lifeant.com describes as “a composite score that looks at your credit score, driving record, and more and creates an overall rating of how risky you are to insurance companies.”<sup>1</sup> The attributes used vary significantly by company.\r\n\r\nWhen a life insurance carrier checks this data, it is an inquiry known as a soft inquiry rather than a hard inquiry.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What is a Soft Inquiry?</h3>\r\nA soft inquiry is when your credit report is checked, but your credit score is not impacted because the inquiry is not related to a specific application for credit.<sup>2</sup> A soft inquiry may happen when you check your own credit, a company checks your credit to determine if you’re qualified for preapproval offers, or a current creditor checks your credit, to name a few examples.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Life Insurance Companies Make Soft Inquiries</h3>\r\nA life insurance company checking your credit is also considered a soft inquiry. Therefore, it does not affect your credit score.<sup>2</sup> So when you’re in the process of researching or buying life insurance, the impact on your credit score (or lack thereof) isn’t something to agonize over.\r\n\r\nIt’s worth noting your credit history may have an impact on your life insurance rates.<sup>1</sup> Again, the credit data life insurers access varies by company, and each state views this information differently. Also, your credit history is just one of many factors that your insurer will consider when determining your life insurance premium rates.\r\n\r\nState insurance regulators are beginning to monitor the impact of credit-based information on consumers.<sup>3</sup>\r\n\r\nIf you have any questions about your credit, contact a financial advisor. If you have any questions about the life insurance application process, contact a licensed insurance agent.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Life Ant, Do You Need Good Credit to Buy Life Insurance?, 2020, <a href=\"https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Experian, What is a Soft Inquiry?, 2019, <a href=\"https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. NAIC, Credit-Based Insurance Scores, 2021, <a href=\"https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm</a></span></em>','Can Getting A Life Insurance Quote Affect My Credit Score?','','inherit','closed','closed','','324-revision-v1','','','2023-03-14 13:50:05','2023-03-14 13:50:05','',324,'http://cmdev-site1.com/?p=325',0,'revision','',0),(326,3,'2023-03-14 13:50:32','2023-03-14 13:50:32','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nIf you want to buy life insurance, you probably already know you’re making a decision to help protect your loved ones in the event of your passing.\r\n\r\nAs you research the type and amount of life insurance that’s right for you, you may be wondering, can getting a life insurance quote affect my credit score?\r\n\r\nIn short, the answer is no. But there might be some more info you should know.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Insurer May Check Your Credit</h3>\r\nWhen you’re in the market for a life insurance policy, the insurer may look at your credit. It’s important to note most insurance companies do not use your credit score. But they might look at events on your credit report like bankruptcy.<sup>1</sup>\r\n\r\nInsurance companies may also look at your LexisNexis risk score, which lifeant.com describes as “a composite score that looks at your credit score, driving record, and more and creates an overall rating of how risky you are to insurance companies.”<sup>1</sup> The attributes used vary significantly by company.\r\n\r\nWhen a life insurance carrier checks this data, it is an inquiry known as a soft inquiry rather than a hard inquiry.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What is a Soft Inquiry?</h3>\r\nA soft inquiry is when your credit report is checked, but your credit score is not impacted because the inquiry is not related to a specific application for credit.<sup>2</sup>\r\n\r\nA soft inquiry may happen when you check your own credit, a company checks your credit to determine if you’re qualified for preapproval offers, or a current creditor checks your credit, to name a few examples.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Life Insurance Companies Make Soft Inquiries</h3>\r\nA life insurance company checking your credit is also considered a soft inquiry. Therefore, it does not affect your credit score.<sup>2</sup> So when you’re in the process of researching or buying life insurance, the impact on your credit score (or lack thereof) isn’t something to agonize over.\r\n\r\nIt’s worth noting your credit history may have an impact on your life insurance rates.<sup>1</sup> Again, the credit data life insurers access varies by company, and each state views this information differently.\\\r\n\r\nAlso, your credit history is just one of many factors that your insurer will consider when determining your life insurance premium rates.\r\n\r\nState insurance regulators are beginning to monitor the impact of credit-based information on consumers.<sup>3</sup>\r\n\r\nIf you have any questions about your credit, contact a financial advisor. If you have any questions about the life insurance application process, contact a licensed insurance agent.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Life Ant, Do You Need Good Credit to Buy Life Insurance?, 2020, <a href=\"https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Experian, What is a Soft Inquiry?, 2019, <a href=\"https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. NAIC, Credit-Based Insurance Scores, 2021, <a href=\"https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm</a></span></em>','Can Getting A Life Insurance Quote Affect My Credit Score?','','inherit','closed','closed','','324-revision-v1','','','2023-03-14 13:50:32','2023-03-14 13:50:32','',324,'http://cmdev-site1.com/?p=326',0,'revision','',0),(327,3,'2023-03-14 13:55:41','2023-03-14 13:55:41','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWithout a doubt, life insurance is designed to help protect you and your family, making it a vital piece of your financial planning.\r\n\r\nWith life insurance evolving over the years to provide different tiers of coverage to fit an evolving set of needs, life insurance is well worth considering no matter where you are in life.\r\n\r\nIn fact, one of the main reasons people consider a life insurance purchase is due to a mortgage payment.<sup>1</sup> But is life insurance really all that important when considering purchasing a house and making mortgage payments?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Why You Should Consider Life Insurance If You’re Looking to Buy a Home</h3>\r\nWhile having life insurance isn’t strictly a necessity when purchasing a home, that doesn’t mean it isn’t a good thing to have. Here are a few reasons to consider a life insurance purchase before buying a home:\r\n<ul>\r\n 	<li>A mortgage is most likely the biggest bill your family will have. Buying a life insurance policy that would cover your mortgage debt can help protect your interest and prevent you from having to buy additional mortgage insurance when you buy your first home.<sup>1</sup></li>\r\n 	<li>If you are the sole or primary breadwinner in your home, there is a chance that your family would not be able to continue making mortgage payments in the event of your death. A life insurance policy has the potential to provide financial security to your family in the event of your death by allowing them the possibility to keep making mortgage payments after you die.<sup>2</sup></li>\r\n 	<li>Having life insurance in place when buying a home may sway a lender to rate your application more highly. The same may apply to landlords when seeking a buy-to-let mortgage.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup></li>\r\n</ul>\r\nWhile life insurance isn’t a necessity when buying a home, having a life insurance policy in place before proceeding with a house purchase has its share of benefits.\r\n\r\nIn some cases, having life insurance may help a lender rate your mortgage application more highly and give your family the financial security they need to continue living in their home long after your death.<sup>2</sup>\r\n\r\nThere are a number of life insurance options available, so it’s important to speak with a financial advisor or licensed insurance agent to help you decide which life insurance policy is best for you.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. The Balance, Who Needs Life Insurance? 10 Ways You Can Use Life Insurance, 2019, <a href=\"https://www.thebalance.com/who-needs-life-insurance-2645793\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/who-needs-life-insurance-2645793</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Money to the Masses, Do you need life insurance to get a mortgage?, 2019, <a href=\"https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage\" target=\"_blank\" rel=\"noopener noreferrer\">https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage</a></span></em>','Why Is Life Insurance Important For Someone Getting A Mortgage?','','publish','open','open','','why-is-life-insurance-important-for-someone-getting-a-mortgage','','','2023-03-19 17:50:06','2023-03-19 17:50:06','',0,'http://cmdev-site1.com/?p=327',0,'post','',0),(330,1,'2023-03-14 13:54:36','2023-03-14 13:54:36','[et_pb_section fb_built=\"1\" _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" custom_padding=\"10px||||false|false\" custom_margin=\"-50px||||false|false\"][et_pb_row _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" text_orientation=\"center\" custom_margin=\"||35px|||\"]<h3>How much life insurance do you need?</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][gravityform id=\"1\" title=\"false\" description=\"false\" ajax=\"true\"][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Insurance Quote','','inherit','closed','closed','','225-revision-v1','','','2023-03-14 13:54:36','2023-03-14 13:54:36','',225,'http://cmdev-site1.com/?p=330',0,'revision','',0),(331,3,'2023-03-14 13:55:16','2023-03-14 13:55:16','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWithout a doubt, life insurance is designed to help protect you and your family, making it a vital piece of your financial planning. With life insurance evolving over the years to provide different tiers of coverage to fit an evolving set of needs, life insurance is well worth considering no matter where you are in life.\r\n\r\nIn fact, one of the main reasons people consider a life insurance purchase is due to a mortgage payment.<sup>1</sup> But is life insurance really all that important when considering purchasing a house and making mortgage payments?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Why You Should Consider Life Insurance If You’re Looking to Buy a Home</h3>\r\nWhile having life insurance isn’t strictly a necessity when purchasing a home, that doesn’t mean it isn’t a good thing to have. Here are a few reasons to consider a life insurance purchase before buying a home:\r\n<ul>\r\n 	<li>A mortgage is most likely the biggest bill your family will have. Buying a life insurance policy that would cover your mortgage debt can help protect your interest and prevent you from having to buy additional mortgage insurance when you buy your first home.<sup>1</sup></li>\r\n 	<li>If you are the sole or primary breadwinner in your home, there is a chance that your family would not be able to continue making mortgage payments in the event of your death. A life insurance policy has the potential to provide financial security to your family in the event of your death by allowing them the possibility to keep making mortgage payments after you die.<sup>2</sup></li>\r\n 	<li>Having life insurance in place when buying a home may sway a lender to rate your application more highly. The same may apply to landlords when seeking a buy-to-let mortgage.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup></li>\r\n</ul>\r\nWhile life insurance isn’t a necessity when buying a home, having a life insurance policy in place before proceeding with a house purchase has its share of benefits.\r\n\r\nIn some cases, having life insurance may help a lender rate your mortgage application more highly and give your family the financial security they need to continue living in their home long after your death.<sup>2</sup>\r\n\r\nThere are a number of life insurance options available, so it’s important to speak with a financial advisor or licensed insurance agent to help you decide which life insurance policy is best for you.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. The Balance, Who Needs Life Insurance? 10 Ways You Can Use Life Insurance, 2019, <a href=\"https://www.thebalance.com/who-needs-life-insurance-2645793\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/who-needs-life-insurance-2645793</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Money to the Masses, Do you need life insurance to get a mortgage?, 2019, <a href=\"https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage\" target=\"_blank\" rel=\"noopener noreferrer\">https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage</a></span></em>','Why Is Life Insurance Important For Someone Getting A Mortgage?','','inherit','closed','closed','','327-revision-v1','','','2023-03-14 13:55:16','2023-03-14 13:55:16','',327,'http://cmdev-site1.com/?p=331',0,'revision','',0),(329,1,'2023-03-14 13:53:36','2023-03-14 13:53:36','[et_pb_section fb_built=\"1\" _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" custom_padding=\"10px||||false|false\" custom_margin=\"0px||||false|false\"][et_pb_row _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" text_orientation=\"center\"]<h3>How much life insurance do you need?</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][gravityform id=\"1\" title=\"false\" description=\"false\" ajax=\"true\"][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Insurance Quote','','inherit','closed','closed','','225-revision-v1','','','2023-03-14 13:53:36','2023-03-14 13:53:36','',225,'http://cmdev-site1.com/?p=329',0,'revision','',0),(332,3,'2023-03-14 13:55:41','2023-03-14 13:55:41','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWithout a doubt, life insurance is designed to help protect you and your family, making it a vital piece of your financial planning.\r\n\r\nWith life insurance evolving over the years to provide different tiers of coverage to fit an evolving set of needs, life insurance is well worth considering no matter where you are in life.\r\n\r\nIn fact, one of the main reasons people consider a life insurance purchase is due to a mortgage payment.<sup>1</sup> But is life insurance really all that important when considering purchasing a house and making mortgage payments?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Why You Should Consider Life Insurance If You’re Looking to Buy a Home</h3>\r\nWhile having life insurance isn’t strictly a necessity when purchasing a home, that doesn’t mean it isn’t a good thing to have. Here are a few reasons to consider a life insurance purchase before buying a home:\r\n<ul>\r\n 	<li>A mortgage is most likely the biggest bill your family will have. Buying a life insurance policy that would cover your mortgage debt can help protect your interest and prevent you from having to buy additional mortgage insurance when you buy your first home.<sup>1</sup></li>\r\n 	<li>If you are the sole or primary breadwinner in your home, there is a chance that your family would not be able to continue making mortgage payments in the event of your death. A life insurance policy has the potential to provide financial security to your family in the event of your death by allowing them the possibility to keep making mortgage payments after you die.<sup>2</sup></li>\r\n 	<li>Having life insurance in place when buying a home may sway a lender to rate your application more highly. The same may apply to landlords when seeking a buy-to-let mortgage.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup></li>\r\n</ul>\r\nWhile life insurance isn’t a necessity when buying a home, having a life insurance policy in place before proceeding with a house purchase has its share of benefits.\r\n\r\nIn some cases, having life insurance may help a lender rate your mortgage application more highly and give your family the financial security they need to continue living in their home long after your death.<sup>2</sup>\r\n\r\nThere are a number of life insurance options available, so it’s important to speak with a financial advisor or licensed insurance agent to help you decide which life insurance policy is best for you.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. The Balance, Who Needs Life Insurance? 10 Ways You Can Use Life Insurance, 2019, <a href=\"https://www.thebalance.com/who-needs-life-insurance-2645793\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/who-needs-life-insurance-2645793</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Money to the Masses, Do you need life insurance to get a mortgage?, 2019, <a href=\"https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage\" target=\"_blank\" rel=\"noopener noreferrer\">https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage</a></span></em>','Why Is Life Insurance Important For Someone Getting A Mortgage?','','inherit','closed','closed','','327-revision-v1','','','2023-03-14 13:55:41','2023-03-14 13:55:41','',327,'http://cmdev-site1.com/?p=332',0,'revision','',0),(333,3,'2023-03-14 14:09:26','2023-03-14 14:09:26','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nBuying life insurance doesn’t mean you have to sacrifice the quality of your coverage.\r\n\r\nIn this blog, learn five tips to help secure life insurance that fits your budget without compromising the quality of the coverage you deserve.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>5 Tips and Tricks to Finding Affordable Life Insurance\r\n<span style=\"color: #ffffff;\">-</span></h3>\r\n<ol>\r\n 	<li><img class=\"alignleft size-medium wp-image-337\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/5-Good-Tips-Thought-bubble-Cropped-2866x2700-1-300x283.jpg\" alt=\"\" width=\"300\" height=\"283\" />Choose the best life insurance policy for your situation. Understanding what you and your family need is one of the first steps toward finding coverage. Consider your family’s unique set of needs and history, as well as all of your financial obligations. In doing so, you can help ensure that you select the right amount of coverage to fit your family’s needs while giving you the tools necessary to responsibly estimate the amount of coverage available for your financial situation.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Buy life insurance as early as possible. Life insurance may be significantly cheaper the younger you are when you purchase it. With increased age comes increased health risks, all of which can influence the premium rate of your policy. In fact, life insurance policy rates rise an average of eight to ten percent each year you put off applying.<sup>1</sup> To give yourself the best chance in finding a life insurance policy, buy early. This way, you may be able to lock in the same premium rates you have at a younger age for the duration of the policy—saving you money for years to come.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Use quote websites wisely. One of the fastest ways to review what type of life insurance may best fit your financial situation is through the use of a quote website. Quote websites are particularly useful as they provide users with a quick and easy way to view their life insurance options and possible costs. Make sure your quote websites compare quotes from multiple insurers to give yourself the best start!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Consider a term life insurance policy—especially for those over 50 years of age. For those older in age, one may want to consider purchasing a term life insurance policy. A term life policy is often less expensive than a whole life insurance policy and typically only provides a death benefit in the event of the insured’s death so long as the death occurs during the duration of the policy.<sup>1</sup> However, despite term life policies lacking certain features associated with whole life, it doesn’t mean that term life policies are bad. In fact, term life policies have long been a viable option for young people and older generations alike and are well worth considering.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Work with an independent broker. Knowing how to get a life insurance policy is important, but so is recognizing when you need help in deciding on one. An independent broker can help inform you of life insurance products you should consider, provide valuable information on certain insurers, and help guide you through the process with ease. If you’re having trouble deciding on a policy—or just want some extra help—phoning your local, independent broker may be the best decision you make.</li>\r\n</ol>\r\nFinding life insurance doesn’t have to be difficult, but it does require a little bit of work.\r\n\r\nBy following these five tips and tricks, you can help improve your chances of finding the best life insurance policy to fit your needs without breaking the bank.\r\n\r\nRemember to do your research, weigh your options, compare your quotes wisely, and reach out for help when you need it most.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. Investopedia, How Age Affects Life Insurance Rates, 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp</a></span></em>','5 Tips For Finding Life Insurance That Fits Your Budget','','publish','open','open','','5-tips-for-finding-life-insurance-that-fits-your-budget','','','2023-03-19 17:50:32','2023-03-19 17:50:32','',0,'http://cmdev-site1.com/?p=333',0,'post','',0),(334,3,'2023-03-14 13:59:30','2023-03-14 13:59:30','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nBuying life insurance doesn’t mean you have to sacrifice the quality of your coverage. In this blog, learn five tips to help secure life insurance that fits your budget without compromising the quality of the coverage you deserve.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>5 Tips and Tricks to Finding Affordable Life Insurance</h3>\r\n<ol>\r\n 	<li>Choose the best life insurance policy for your situation. Understanding what you and your family need is one of the first steps toward finding coverage. Consider your family’s unique set of needs and history, as well as all of your financial obligations. In doing so, you can help ensure that you select the right amount of coverage to fit your family’s needs while giving you the tools necessary to responsibly estimate the amount of coverage available for your financial situation.</li>\r\n 	<li>Buy life insurance as early as possible. Life insurance may be significantly cheaper the younger you are when you purchase it. With increased age comes increased health risks, all of which can influence the premium rate of your policy. In fact, life insurance policy rates rise an average of eight to ten percent each year you put off applying.<sup>1</sup> To give yourself the best chance in finding a life insurance policy, buy early. This way, you may be able to lock in the same premium rates you have at a younger age for the duration of the policy—saving you money for years to come.</li>\r\n 	<li>Use quote websites wisely. One of the fastest ways to review what type of life insurance may best fit your financial situation is through the use of a quote website. Quote websites are particularly useful as they provide users with a quick and easy way to view their life insurance options and possible costs. Make sure your quote websites compare quotes from multiple insurers to give yourself the best start!</li>\r\n 	<li>Consider a term life insurance policy—especially for those over 50 years of age. For those older in age, one may want to consider purchasing a term life insurance policy. A term life policy is often less expensive than a whole life insurance policy and typically only provides a death benefit in the event of the insured’s death so long as the death occurs during the duration of the policy.<sup>1</sup> However, despite term life policies lacking certain features associated with whole life, it doesn’t mean that term life policies are bad. In fact, term life policies have long been a viable option for young people and older generations alike and are well worth considering.</li>\r\n 	<li>Work with an independent broker. Knowing how to get a life insurance policy is important, but so is recognizing when you need help in deciding on one. An independent broker can help inform you of life insurance products you should consider, provide valuable information on certain insurers, and help guide you through the process with ease. If you’re having trouble deciding on a policy—or just want some extra help—phoning your local, independent broker may be the best decision you make.</li>\r\n</ol>\r\nFinding life insurance doesn’t have to be difficult, but it does require a little bit of work.\r\n\r\nBy following these five tips and tricks, you can help improve your chances of finding the best life insurance policy to fit your needs without breaking the bank.\r\n\r\nRemember to do your research, weigh your options, compare your quotes wisely, and reach out for help when you need it most.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Investopedia, How Age Affects Life Insurance Rates, 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp</a></span></em>','5 Tips For Finding Life Insurance That Fits Your Budget','','inherit','closed','closed','','333-revision-v1','','','2023-03-14 13:59:30','2023-03-14 13:59:30','',333,'http://cmdev-site1.com/?p=334',0,'revision','',0),(335,1,'2023-03-14 14:00:13','2023-03-14 14:00:13','[et_pb_section fb_built=\"1\" _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" custom_padding=\"10px||||false|false\" custom_margin=\"-50px||||false|false\"][et_pb_row _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" text_orientation=\"center\" custom_margin=\"||35px|||\" header_3_font_size=\"25px\" header_3_font=\"|700|||||||\"]<h3>How much life insurance do you need?</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][gravityform id=\"1\" title=\"false\" description=\"false\" ajax=\"true\"][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Insurance Quote','','inherit','closed','closed','','225-revision-v1','','','2023-03-14 14:00:13','2023-03-14 14:00:13','',225,'http://cmdev-site1.com/?p=335',0,'revision','',0),(336,1,'2023-03-14 14:01:14','2023-03-14 14:01:14','[et_pb_section fb_built=\"1\" _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" custom_padding=\"10px||||false|false\" custom_margin=\"-50px||||false|false\"][et_pb_row _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" text_orientation=\"center\" custom_margin=\"||35px|||\" header_3_font_size=\"30px\" header_3_font=\"|700|||||||\"]<h3>How much life insurance do you need?</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.0\" _module_preset=\"default\" global_colors_info=\"{}\"][gravityform id=\"1\" title=\"false\" description=\"false\" ajax=\"true\"][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Insurance Quote','','inherit','closed','closed','','225-revision-v1','','','2023-03-14 14:01:14','2023-03-14 14:01:14','',225,'http://cmdev-site1.com/?p=336',0,'revision','',0),(337,3,'2023-03-14 14:03:31','2023-03-14 14:03:31','','5 Good Tips Thought bubble Cropped 2866x2700','','inherit','open','closed','','5-good-tips-thought-bubble-cropped-2866x2700','','','2023-03-14 14:04:08','2023-03-14 14:04:08','',333,'http://cmdev-site1.com/wp-content/uploads/2023/03/5-Good-Tips-Thought-bubble-Cropped-2866x2700-1.jpg',0,'attachment','image/jpeg',0),(338,3,'2023-03-14 14:04:17','2023-03-14 14:04:17','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\n<img class=\"alignleft size-medium wp-image-337\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/5-Good-Tips-Thought-bubble-Cropped-2866x2700-1-300x283.jpg\" alt=\"\" width=\"300\" height=\"283\" />Buying life insurance doesn’t mean you have to sacrifice the quality of your coverage. In this blog, learn five tips to help secure life insurance that fits your budget without compromising the quality of the coverage you deserve.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>5 Tips and Tricks to Finding Affordable Life Insurance</h3>\r\n<ol>\r\n 	<li>Choose the best life insurance policy for your situation. Understanding what you and your family need is one of the first steps toward finding coverage. Consider your family’s unique set of needs and history, as well as all of your financial obligations. In doing so, you can help ensure that you select the right amount of coverage to fit your family’s needs while giving you the tools necessary to responsibly estimate the amount of coverage available for your financial situation.</li>\r\n 	<li>Buy life insurance as early as possible. Life insurance may be significantly cheaper the younger you are when you purchase it. With increased age comes increased health risks, all of which can influence the premium rate of your policy. In fact, life insurance policy rates rise an average of eight to ten percent each year you put off applying.<sup>1</sup> To give yourself the best chance in finding a life insurance policy, buy early. This way, you may be able to lock in the same premium rates you have at a younger age for the duration of the policy—saving you money for years to come.</li>\r\n 	<li>Use quote websites wisely. One of the fastest ways to review what type of life insurance may best fit your financial situation is through the use of a quote website. Quote websites are particularly useful as they provide users with a quick and easy way to view their life insurance options and possible costs. Make sure your quote websites compare quotes from multiple insurers to give yourself the best start!</li>\r\n 	<li>Consider a term life insurance policy—especially for those over 50 years of age. For those older in age, one may want to consider purchasing a term life insurance policy. A term life policy is often less expensive than a whole life insurance policy and typically only provides a death benefit in the event of the insured’s death so long as the death occurs during the duration of the policy.<sup>1</sup> However, despite term life policies lacking certain features associated with whole life, it doesn’t mean that term life policies are bad. In fact, term life policies have long been a viable option for young people and older generations alike and are well worth considering.</li>\r\n 	<li>Work with an independent broker. Knowing how to get a life insurance policy is important, but so is recognizing when you need help in deciding on one. An independent broker can help inform you of life insurance products you should consider, provide valuable information on certain insurers, and help guide you through the process with ease. If you’re having trouble deciding on a policy—or just want some extra help—phoning your local, independent broker may be the best decision you make.</li>\r\n</ol>\r\nFinding life insurance doesn’t have to be difficult, but it does require a little bit of work.\r\n\r\nBy following these five tips and tricks, you can help improve your chances of finding the best life insurance policy to fit your needs without breaking the bank.\r\n\r\nRemember to do your research, weigh your options, compare your quotes wisely, and reach out for help when you need it most.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Investopedia, How Age Affects Life Insurance Rates, 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp</a></span></em>','5 Tips For Finding Life Insurance That Fits Your Budget','','inherit','closed','closed','','333-revision-v1','','','2023-03-14 14:04:17','2023-03-14 14:04:17','',333,'http://cmdev-site1.com/?p=338',0,'revision','',0),(339,3,'2023-03-14 14:05:08','2023-03-14 14:05:08','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\n<img class=\"alignleft size-medium wp-image-337\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/5-Good-Tips-Thought-bubble-Cropped-2866x2700-1-300x283.jpg\" alt=\"\" width=\"300\" height=\"283\" />Buying life insurance doesn’t mean you have to sacrifice the quality of your coverage.\r\n\r\nIn this blog, learn five tips to help secure life insurance that fits your budget without compromising the quality of the coverage you deserve.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>5 Tips and Tricks to Finding Affordable Life Insurance</h3>\r\n<ol>\r\n 	<li>Choose the best life insurance policy for your situation. Understanding what you and your family need is one of the first steps toward finding coverage. Consider your family’s unique set of needs and history, as well as all of your financial obligations. In doing so, you can help ensure that you select the right amount of coverage to fit your family’s needs while giving you the tools necessary to responsibly estimate the amount of coverage available for your financial situation.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Buy life insurance as early as possible. Life insurance may be significantly cheaper the younger you are when you purchase it. With increased age comes increased health risks, all of which can influence the premium rate of your policy. In fact, life insurance policy rates rise an average of eight to ten percent each year you put off applying.<sup>1</sup> To give yourself the best chance in finding a life insurance policy, buy early. This way, you may be able to lock in the same premium rates you have at a younger age for the duration of the policy—saving you money for years to come.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Use quote websites wisely. One of the fastest ways to review what type of life insurance may best fit your financial situation is through the use of a quote website. Quote websites are particularly useful as they provide users with a quick and easy way to view their life insurance options and possible costs. Make sure your quote websites compare quotes from multiple insurers to give yourself the best start!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Consider a term life insurance policy—especially for those over 50 years of age. For those older in age, one may want to consider purchasing a term life insurance policy. A term life policy is often less expensive than a whole life insurance policy and typically only provides a death benefit in the event of the insured’s death so long as the death occurs during the duration of the policy.<sup>1</sup> However, despite term life policies lacking certain features associated with whole life, it doesn’t mean that term life policies are bad. In fact, term life policies have long been a viable option for young people and older generations alike and are well worth considering.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Work with an independent broker. Knowing how to get a life insurance policy is important, but so is recognizing when you need help in deciding on one. An independent broker can help inform you of life insurance products you should consider, provide valuable information on certain insurers, and help guide you through the process with ease. If you’re having trouble deciding on a policy—or just want some extra help—phoning your local, independent broker may be the best decision you make.</li>\r\n</ol>\r\nFinding life insurance doesn’t have to be difficult, but it does require a little bit of work.\r\n\r\nBy following these five tips and tricks, you can help improve your chances of finding the best life insurance policy to fit your needs without breaking the bank.\r\n\r\nRemember to do your research, weigh your options, compare your quotes wisely, and reach out for help when you need it most.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Investopedia, How Age Affects Life Insurance Rates, 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp</a></span></em>','5 Tips For Finding Life Insurance That Fits Your Budget','','inherit','closed','closed','','333-revision-v1','','','2023-03-14 14:05:08','2023-03-14 14:05:08','',333,'http://cmdev-site1.com/?p=339',0,'revision','',0),(340,3,'2023-03-14 14:08:03','2023-03-14 14:08:03','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nBuying life insurance doesn’t mean you have to sacrifice the quality of your coverage.\r\n\r\nIn this blog, learn five tips to help secure life insurance that fits your budget without compromising the quality of the coverage you deserve.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>5 Tips and Tricks to Finding Affordable Life Insurance</h3>\r\n<ol>\r\n 	<li>Choose the best life insurance policy for your situation. Understanding what you and your family need is one of the first steps toward finding coverage. Consider your family’s unique set of needs and history, as well as all of your financial obligations. In doing so, you can help ensure that you select the right amount of coverage to fit your family’s needs while giving you the tools necessary to responsibly estimate the amount of coverage available for your financial situation.\r\n<span style=\"color: #ffffff;\"><img class=\"alignleft size-medium wp-image-337\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/5-Good-Tips-Thought-bubble-Cropped-2866x2700-1-300x283.jpg\" alt=\"\" width=\"300\" height=\"283\" />-</span></li>\r\n 	<li>Buy life insurance as early as possible. Life insurance may be significantly cheaper the younger you are when you purchase it. With increased age comes increased health risks, all of which can influence the premium rate of your policy. In fact, life insurance policy rates rise an average of eight to ten percent each year you put off applying.<sup>1</sup> To give yourself the best chance in finding a life insurance policy, buy early. This way, you may be able to lock in the same premium rates you have at a younger age for the duration of the policy—saving you money for years to come.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Use quote websites wisely. One of the fastest ways to review what type of life insurance may best fit your financial situation is through the use of a quote website. Quote websites are particularly useful as they provide users with a quick and easy way to view their life insurance options and possible costs. Make sure your quote websites compare quotes from multiple insurers to give yourself the best start!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Consider a term life insurance policy—especially for those over 50 years of age. For those older in age, one may want to consider purchasing a term life insurance policy. A term life policy is often less expensive than a whole life insurance policy and typically only provides a death benefit in the event of the insured’s death so long as the death occurs during the duration of the policy.<sup>1</sup> However, despite term life policies lacking certain features associated with whole life, it doesn’t mean that term life policies are bad. In fact, term life policies have long been a viable option for young people and older generations alike and are well worth considering.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Work with an independent broker. Knowing how to get a life insurance policy is important, but so is recognizing when you need help in deciding on one. An independent broker can help inform you of life insurance products you should consider, provide valuable information on certain insurers, and help guide you through the process with ease. If you’re having trouble deciding on a policy—or just want some extra help—phoning your local, independent broker may be the best decision you make.</li>\r\n</ol>\r\nFinding life insurance doesn’t have to be difficult, but it does require a little bit of work.\r\n\r\nBy following these five tips and tricks, you can help improve your chances of finding the best life insurance policy to fit your needs without breaking the bank.\r\n\r\nRemember to do your research, weigh your options, compare your quotes wisely, and reach out for help when you need it most.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Investopedia, How Age Affects Life Insurance Rates, 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp</a></span></em>','5 Tips For Finding Life Insurance That Fits Your Budget','','inherit','closed','closed','','333-revision-v1','','','2023-03-14 14:08:03','2023-03-14 14:08:03','',333,'http://cmdev-site1.com/?p=340',0,'revision','',0),(341,3,'2023-03-14 14:08:54','2023-03-14 14:08:54','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nBuying life insurance doesn’t mean you have to sacrifice the quality of your coverage.\r\n\r\nIn this blog, learn five tips to help secure life insurance that fits your budget without compromising the quality of the coverage you deserve.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>5 Tips and Tricks to Finding Affordable Life Insurance</h3>\r\n<ol>\r\n 	<li><img class=\"alignleft size-medium wp-image-337\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/5-Good-Tips-Thought-bubble-Cropped-2866x2700-1-300x283.jpg\" alt=\"\" width=\"300\" height=\"283\" />Choose the best life insurance policy for your situation. Understanding what you and your family need is one of the first steps toward finding coverage. Consider your family’s unique set of needs and history, as well as all of your financial obligations. In doing so, you can help ensure that you select the right amount of coverage to fit your family’s needs while giving you the tools necessary to responsibly estimate the amount of coverage available for your financial situation.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Buy life insurance as early as possible. Life insurance may be significantly cheaper the younger you are when you purchase it. With increased age comes increased health risks, all of which can influence the premium rate of your policy. In fact, life insurance policy rates rise an average of eight to ten percent each year you put off applying.<sup>1</sup> To give yourself the best chance in finding a life insurance policy, buy early. This way, you may be able to lock in the same premium rates you have at a younger age for the duration of the policy—saving you money for years to come.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Use quote websites wisely. One of the fastest ways to review what type of life insurance may best fit your financial situation is through the use of a quote website. Quote websites are particularly useful as they provide users with a quick and easy way to view their life insurance options and possible costs. Make sure your quote websites compare quotes from multiple insurers to give yourself the best start!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Consider a term life insurance policy—especially for those over 50 years of age. For those older in age, one may want to consider purchasing a term life insurance policy. A term life policy is often less expensive than a whole life insurance policy and typically only provides a death benefit in the event of the insured’s death so long as the death occurs during the duration of the policy.<sup>1</sup> However, despite term life policies lacking certain features associated with whole life, it doesn’t mean that term life policies are bad. In fact, term life policies have long been a viable option for young people and older generations alike and are well worth considering.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Work with an independent broker. Knowing how to get a life insurance policy is important, but so is recognizing when you need help in deciding on one. An independent broker can help inform you of life insurance products you should consider, provide valuable information on certain insurers, and help guide you through the process with ease. If you’re having trouble deciding on a policy—or just want some extra help—phoning your local, independent broker may be the best decision you make.</li>\r\n</ol>\r\nFinding life insurance doesn’t have to be difficult, but it does require a little bit of work.\r\n\r\nBy following these five tips and tricks, you can help improve your chances of finding the best life insurance policy to fit your needs without breaking the bank.\r\n\r\nRemember to do your research, weigh your options, compare your quotes wisely, and reach out for help when you need it most.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Investopedia, How Age Affects Life Insurance Rates, 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp</a></span></em>','5 Tips For Finding Life Insurance That Fits Your Budget','','inherit','closed','closed','','333-revision-v1','','','2023-03-14 14:08:54','2023-03-14 14:08:54','',333,'http://cmdev-site1.com/?p=341',0,'revision','',0),(342,3,'2023-03-14 14:09:11','2023-03-14 14:09:11','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nBuying life insurance doesn’t mean you have to sacrifice the quality of your coverage.\r\n\r\nIn this blog, learn five tips to help secure life insurance that fits your budget without compromising the quality of the coverage you deserve.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>5 Tips and Tricks to Finding Affordable Life Insurance\r\n<span style=\"color: #ffffff;\">-</span></h3>\r\n<ol>\r\n 	<li><img class=\"alignleft size-medium wp-image-337\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/5-Good-Tips-Thought-bubble-Cropped-2866x2700-1-300x283.jpg\" alt=\"\" width=\"300\" height=\"283\" />Choose the best life insurance policy for your situation. Understanding what you and your family need is one of the first steps toward finding coverage. Consider your family’s unique set of needs and history, as well as all of your financial obligations. In doing so, you can help ensure that you select the right amount of coverage to fit your family’s needs while giving you the tools necessary to responsibly estimate the amount of coverage available for your financial situation.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Buy life insurance as early as possible. Life insurance may be significantly cheaper the younger you are when you purchase it. With increased age comes increased health risks, all of which can influence the premium rate of your policy. In fact, life insurance policy rates rise an average of eight to ten percent each year you put off applying.<sup>1</sup> To give yourself the best chance in finding a life insurance policy, buy early. This way, you may be able to lock in the same premium rates you have at a younger age for the duration of the policy—saving you money for years to come.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Use quote websites wisely. One of the fastest ways to review what type of life insurance may best fit your financial situation is through the use of a quote website. Quote websites are particularly useful as they provide users with a quick and easy way to view their life insurance options and possible costs. Make sure your quote websites compare quotes from multiple insurers to give yourself the best start!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Consider a term life insurance policy—especially for those over 50 years of age. For those older in age, one may want to consider purchasing a term life insurance policy. A term life policy is often less expensive than a whole life insurance policy and typically only provides a death benefit in the event of the insured’s death so long as the death occurs during the duration of the policy.<sup>1</sup> However, despite term life policies lacking certain features associated with whole life, it doesn’t mean that term life policies are bad. In fact, term life policies have long been a viable option for young people and older generations alike and are well worth considering.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n 	<li>Work with an independent broker. Knowing how to get a life insurance policy is important, but so is recognizing when you need help in deciding on one. An independent broker can help inform you of life insurance products you should consider, provide valuable information on certain insurers, and help guide you through the process with ease. If you’re having trouble deciding on a policy—or just want some extra help—phoning your local, independent broker may be the best decision you make.</li>\r\n</ol>\r\nFinding life insurance doesn’t have to be difficult, but it does require a little bit of work.\r\n\r\nBy following these five tips and tricks, you can help improve your chances of finding the best life insurance policy to fit your needs without breaking the bank.\r\n\r\nRemember to do your research, weigh your options, compare your quotes wisely, and reach out for help when you need it most.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Investopedia, How Age Affects Life Insurance Rates, 2019, <a href=\"https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp</a></span></em>','5 Tips For Finding Life Insurance That Fits Your Budget','','inherit','closed','closed','','333-revision-v1','','','2023-03-14 14:09:11','2023-03-14 14:09:11','',333,'http://cmdev-site1.com/?p=342',0,'revision','',0),(343,3,'2023-03-14 14:14:20','2023-03-14 14:14:20','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nIf you died tomorrow, how would your family pay for your burial? According to the World Population Review, the average cost of a funeral in 2020 is between $7,000 and $9,000.<sup>1</sup>\r\n\r\nWhile the change in cost may not seem like much to a grieving family, the price tag may be overwhelming—which is where burial insurance comes in to help lessen the cost.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What is Burial Insurance?</h3>\r\nBurial insurance often has different names to help soften its purpose, including but not limited to “final expense,” “memorial,” and “pre-need” insurance.<sup>2</sup> However, no matter the name, burial insurance is designed to help families pay for burial costs and tie up any financial lose ends the deceased may have.\r\n\r\nBurial insurance is offered by an array of life insurance companies and offers benefits up to a certain limit. This limit is designed to help pay for burial or cremation costs that may cost upwards of thousands of dollars—helping families put their loved ones to rest with minimal financial stress.<sup>1</sup>\r\n\r\nSince burial insurance policies differ by provider, you may find those burial insurance policies offered in the form of term or whole life, depending on who you speak to.<sup>3</sup>\r\n\r\nGenerally speaking, the death benefit for a burial insurance policy is low-ranging anywhere from $5,000 to $25,000 on average, though others may have higher benefits.<sup>3</sup>\r\n\r\nAfter the death of the insured, the beneficiary or beneficiaries listed can use the death benefit provided by the policy to pay for whatever they see fit. This may include funeral expenses, outstanding medical bills, legal costs, or any outstanding debts.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What You Should Know About Burial Insurance</h3>\r\nDespite burial insurance typically being marketed towards seniors, burial insurance can be purchased for anyone at any age.\r\n\r\nIn fact, burial insurance is often presented as “easy to get,” with some providers of burial insurance not even asking for a completed medical exam to qualify.<sup>2</sup>\r\n\r\nWhile burial insurance policies don’t offer high death benefits, their low to mid-range death benefits can help families pay for an array of costs while remaining affordable—making it a compelling sell for those looking to provide financial security for their family at an affordable price.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>To Summarize</h3>\r\nBurial insurance can be a valuable asset for those looking for a way to help pay for their burial expenses without burdening themselves or their family.\r\n\r\nHowever, since there is such an array of burial insurance providers and policies available at any given time, it’s essential you do your research before committing to a single policy.\r\n\r\nBy evaluating your needs, the needs of your family, and your options, you’ll be equipped to make the best possible decision about burial insurance.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. World Population Review, Average Funeral Cost by State 2020, 2020, <a href=\"http://worldpopulationreview.com/states/average-funeral-cost-by-state/\" target=\"_blank\" rel=\"noopener noreferrer\">http://worldpopulationreview.com/states/average-funeral-cost-by-state/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. 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>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Protective, Types of Life Insurance for Funeral Costs, n.p., <a href=\"https://www.protective.com/learning-center/life-insurance/life-insurance-basics/is-burial-insurance-different-from-preneed-funeral-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.protective.com/learning-center/life-insurance/life-insurance-basics/is-burial-insurance-different-from-preneed-funeral-insurance/</a></span></em>','What Is Burial Insurance?','','publish','open','open','','what-is-burial-insurance','','','2023-03-19 17:50:58','2023-03-19 17:50:58','',0,'http://cmdev-site1.com/?p=343',0,'post','',0),(344,3,'2023-03-14 14:13:54','2023-03-14 14:13:54','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nIf you died tomorrow, how would your family pay for your burial? According to the World Population Review, the average cost of a funeral in 2020 is between $7,000 and $9,000.<sup>1</sup>\r\n\r\nWhile the change in cost may not seem like much to a grieving family, the price tag may be overwhelming—which is where burial insurance comes in to help lessen the cost.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What is Burial Insurance?</h3>\r\nBurial insurance often has different names to help soften its purpose, including but not limited to “final expense,” “memorial,” and “pre-need” insurance.<sup>2</sup> However, no matter the name, burial insurance is designed to help families pay for burial costs and tie up any financial lose ends the deceased may have.\r\n\r\nBurial insurance is offered by an array of life insurance companies and offers benefits up to a certain limit. This limit is designed to help pay for burial or cremation costs that may cost upwards of thousands of dollars—helping families put their loved ones to rest with minimal financial stress.<sup>1</sup>\r\n\r\nSince burial insurance policies differ by provider, you may find those burial insurance policies offered in the form of term or whole life, depending on who you speak to.<sup>3</sup>\r\n\r\nGenerally speaking, the death benefit for a burial insurance policy is low-ranging anywhere from $5,000 to $25,000 on average, though others may have higher benefits.<sup>3</sup>\r\n\r\nAfter the death of the insured, the beneficiary or beneficiaries listed can use the death benefit provided by the policy to pay for whatever they see fit. This may include funeral expenses, outstanding medical bills, legal costs, or any outstanding debts.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What You Should Know About Burial Insurance</h3>\r\nDespite burial insurance typically being marketed towards seniors, burial insurance can be purchased for anyone at any age.\r\n\r\nIn fact, burial insurance is often presented as “easy to get,” with some providers of burial insurance not even asking for a completed medical exam to qualify.<sup>2</sup>\r\n\r\nWhile burial insurance policies don’t offer high death benefits, their low to mid-range death benefits can help families pay for an array of costs while remaining affordable—making it a compelling sell for those looking to provide financial security for their family at an affordable price.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>To Summarize</h3>\r\nBurial insurance can be a valuable asset for those looking for a way to help pay for their burial expenses without burdening themselves or their family.\r\n\r\nHowever, since there is such an array of burial insurance providers and policies available at any given time, it’s essential you do your research before committing to a single policy.\r\n\r\nBy evaluating your needs, the needs of your family, and your options, you’ll be equipped to make the best possible decision about burial insurance. For any questions, we suggest you contact your local insurance agent or financial advisor.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. World Population Review, Average Funeral Cost by State 2020, 2020, <a href=\"http://worldpopulationreview.com/states/average-funeral-cost-by-state/\" target=\"_blank\" rel=\"noopener noreferrer\">http://worldpopulationreview.com/states/average-funeral-cost-by-state/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. 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>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Protective, Types of Life Insurance for Funeral Costs, n.p., <a href=\"https://www.protective.com/learning-center/life-insurance/life-insurance-basics/is-burial-insurance-different-from-preneed-funeral-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.protective.com/learning-center/life-insurance/life-insurance-basics/is-burial-insurance-different-from-preneed-funeral-insurance/</a></span></em>','What Is Burial Insurance?','','inherit','closed','closed','','343-revision-v1','','','2023-03-14 14:13:54','2023-03-14 14:13:54','',343,'http://cmdev-site1.com/?p=344',0,'revision','',0),(345,3,'2023-03-14 14:22:22','2023-03-14 14:22:22','<span style=\"font-size: 8pt;\">By Corey A. Jones</span>\r\n\r\nThe tragedy of a loved one’s passing brings so many burdens to the surviving family members: grief, fatigue, and financial questions.\r\n\r\nYou have to plan and have a funeral and then somehow deal with the overwhelming task of notifying creditors of their passing.\r\n\r\nThen there’s the life insurance. Does it have to pay the outstanding debts of the decedent? How does all of this work?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Who Is Responsible For The Debts of the Deceased?</h4>\r\nWhen someone dies, their estate (everything owned at the time of death) may go into probate, during which the will is reviewed, and the administration of the estate is handled.<sup>1</sup>\r\n\r\nThe estate is generally responsible to meet the obligations of the deceased. However, other surviving family members may still be fiscally responsible if the deceased had co-signers on any loans or was married in a community property state and has a surviving spouse.\r\n\r\nInheritors of estate property, such as a house, car, boat, etc., that are subject to a nonrecourse debt are still required to either pay off any outstanding balance—sometimes by selling the property—or take over remaining payments until the debt has been paid in full.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>What is a Beneficiary?</h4>\r\nRetirement accounts and life insurance policies generally have someone named to receive or inherit the proceeds in the event of the owner’s death.\r\n\r\nThat person is called the “beneficiary.” Designating a beneficiary for these accounts not only clarifies your asset recipients but it also makes it easier for them to receive the proceeds and avoid waiting for the probate process to be completed.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Beneficiaries and Their Responsibilities</h4>\r\nThankfully, if you are named the primary beneficiary—the person to whom the payout normally goes to in the event of the policyholder’s death—that money is yours and is not usually required to cover the insured’s remaining debts. There are exceptions, however.\r\n\r\nIf your name is listed on any existing debt, perhaps as a cosigner, or you live in a community property state, your current assets (including life insurance inheritance) may be subject to community property rules and taxes at the state level.\r\n\r\nAs of 2018, 9 states impose community property laws: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.<sup>3</sup>\r\n\r\n“Community Property” is defined under the law of each individual state. To determine if life insurance proceeds are included in your state, you should seek legal advice specific to the state laws you are subject to.\r\n<figure>\r\n\r\n[caption id=\"\" align=\"alignleft\" width=\"250\"]<img class=\"article_image\" src=\"https://e806.globelifeinsurance.com/images/article_images/community-property-states.jpg\" alt=\"Debt After Death: As a Policy Beneficiary, What Do I Have To Do? | Globe Life\" width=\"250\" height=\"158\" /> <span style=\"font-size: 8pt;\">Community Property States by Legalskeptic - Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=16037686</span>[/caption]\r\n\r\n<figcaption>Additionally, if the estate is paid as the beneficiary, the proceeds from any retirement accounts or life insurance policies would go to the estate itself versus an individual. In that case, the benefits can be used to pay any outstanding debt.<sup>2\r\n<span style=\"color: #ffffff;\">-</span>\r\n</sup>Additionally, a will can give the executor of an estate permission to cover certain obligations with the life insurance proceeds.<sup>4\r\n</sup><span style=\"color: #ffffff;\">-</span></figcaption></figure>\r\n<h4>Estate Planning</h4>\r\nPlanning ahead is one of the best choices you can make to protect your loved ones or help aging parents with estate organization.\r\n\r\nWhile life insurance beneficiaries are typically not required to use the money to pay off debts owed by the estate, things such as funeral costs may be their obligation and not that of the estate. Having a strategy in place can help provide peace of mind for those left behind.\r\n\r\nProtection against the unexpected is exactly what life insurance was designed to provide. It is imperative to have the right amount of insurance coverage that is best for you and your family.\r\n\r\nBut just as important is ensuring that the coverage you have and the designations you’ve chosen are the most suitable for any post-mortem debt and tax obligations. By having a plan in place, you can safeguard your family’s legacy and continue to have a positive influence on their futures.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. Nerdwallet. (2018, May 8). What Happens to Your Debts After You Die. Retrieved from <a href=\"https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Garber, Julie. (2018, October 20). When Life Insurance Is Part of an Estate. Retrieved from <a href=\"https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Laurence, Bethany K. Debt and Marriage: When Do I Owe My Spouse’s Debts? Retrieved from <a href=\"https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">4. Real Insurance. (2018, August 6). Understanding How Debt Impacts Life Insurance Payouts. Retrieved from <a href=\"https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance</a></span></em>\r\n<div id=\"malwarebytes-root\"></div>','Debt After Death: As A Policy Beneficiary, What Do I Have To Do?','','publish','open','open','','debt-after-death-as-a-policy-beneficiary-what-do-i-have-to-do','','','2023-03-19 17:36:33','2023-03-19 17:36:33','',0,'http://cmdev-site1.com/?p=345',0,'post','',0),(346,3,'2023-03-14 14:21:10','2023-03-14 14:21:10','<span style=\"font-size: 8pt;\">By Corey A. Jones</span>\r\n\r\nThe tragedy of a loved one’s passing brings so many burdens to the surviving family members: grief, fatigue, and financial questions. You have to plan and have a funeral and then somehow deal with the overwhelming task of notifying creditors of their passing.\r\n\r\nThen there’s the life insurance. Does it have to pay the outstanding debts of the decedent? How does all of this work?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Who Is Responsible For The Debts of the Deceased?</h4>\r\nWhen someone dies, their estate (everything owned at the time of death) may go into probate, during which the will is reviewed, and the administration of the estate is handled.<sup>1</sup>\r\n\r\nThe estate is generally responsible to meet the obligations of the deceased. However, other surviving family members may still be fiscally responsible if the deceased had co-signers on any loans or was married in a community property state and has a surviving spouse.\r\n\r\nInheritors of estate property, such as a house, car, boat, etc., that are subject to a nonrecourse debt are still required to either pay off any outstanding balance—sometimes by selling the property—or take over remaining payments until the debt has been paid in full.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>What is a Beneficiary?</h4>\r\nRetirement accounts and life insurance policies generally have someone named to receive or inherit the proceeds in the event of the owner’s death.\r\n\r\nThat person is called the “beneficiary.” Designating a beneficiary for these accounts not only clarifies your asset recipients but it also makes it easier for them to receive the proceeds and avoid waiting for the probate process to be completed.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Beneficiaries and Their Responsibilities</h4>\r\nThankfully, if you are named the primary beneficiary—the person to whom the payout normally goes to in the event of the policyholder’s death—that money is yours and is not usually required to cover the insured’s remaining debts. There are exceptions, however.\r\n\r\nIf your name is listed on any existing debt, perhaps as a cosigner, or you live in a community property state, your current assets (including life insurance inheritance) may be subject to community property rules and taxes at the state level.\r\n\r\nAs of 2018, 9 states impose community property laws: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.<sup>3</sup>\r\n\r\n“Community Property” is defined under the law of each individual state. To determine if life insurance proceeds are included in your state, you should seek legal advice specific to the state laws you are subject to.\r\n<figure>\r\n\r\n[caption id=\"\" align=\"alignleft\" width=\"250\"]<img class=\"article_image\" src=\"https://e806.globelifeinsurance.com/images/article_images/community-property-states.jpg\" alt=\"Debt After Death: As a Policy Beneficiary, What Do I Have To Do? | Globe Life\" width=\"250\" height=\"158\" /> <span style=\"font-size: 8pt;\">Community Property States by Legalskeptic - Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=16037686</span>[/caption]\r\n\r\n<figcaption>Additionally, if the estate is paid as the beneficiary, the proceeds from any retirement accounts or life insurance policies would go to the estate itself versus an individual. In that case, the benefits can be used to pay any outstanding debt.<sup>2\r\n<span style=\"color: #ffffff;\">-</span>\r\n</sup>Additionally, a will can give the executor of an estate permission to cover certain obligations with the life insurance proceeds.<sup>4\r\n</sup><span style=\"color: #ffffff;\">-</span></figcaption></figure>\r\n<h4>Estate Planning</h4>\r\nPlanning ahead is one of the best choices you can make to protect your loved ones or help aging parents with estate organization.\r\n\r\nWhile life insurance beneficiaries are typically not required to use the money to pay off debts owed by the estate, things such as funeral costs may be their obligation and not that of the estate. Having a strategy in place can help provide peace of mind for those left behind.\r\n\r\nProtection against the unexpected is exactly what life insurance was designed to provide. It is imperative to have the right amount of insurance coverage that is best for you and your family.\r\n\r\nBut just as important is ensuring that the coverage you have and the designations you’ve chosen are the most suitable for any post-mortem debt and tax obligations. By having a plan in place, you can safeguard your family’s legacy and continue to have a positive influence on their futures.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Nerdwallet. (2018, May 8). What Happens to Your Debts After You Die. Retrieved from <a href=\"https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Garber, Julie. (2018, October 20). When Life Insurance Is Part of an Estate. Retrieved from <a href=\"https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Laurence, Bethany K. Debt and Marriage: When Do I Owe My Spouse’s Debts? Retrieved from <a href=\"https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">4. Real Insurance. (2018, August 6). Understanding How Debt Impacts Life Insurance Payouts. Retrieved from <a href=\"https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance</a></span></em>','Debt After Death: As A Policy Beneficiary, What Do I Have To Do?','','inherit','closed','closed','','345-revision-v1','','','2023-03-14 14:21:10','2023-03-14 14:21:10','',345,'http://cmdev-site1.com/?p=346',0,'revision','',0),(347,3,'2023-03-14 14:22:22','2023-03-14 14:22:22','<span style=\"font-size: 8pt;\">By Corey A. Jones</span>\r\n\r\nThe tragedy of a loved one’s passing brings so many burdens to the surviving family members: grief, fatigue, and financial questions.\r\n\r\nYou have to plan and have a funeral and then somehow deal with the overwhelming task of notifying creditors of their passing.\r\n\r\nThen there’s the life insurance. Does it have to pay the outstanding debts of the decedent? How does all of this work?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Who Is Responsible For The Debts of the Deceased?</h4>\r\nWhen someone dies, their estate (everything owned at the time of death) may go into probate, during which the will is reviewed, and the administration of the estate is handled.<sup>1</sup>\r\n\r\nThe estate is generally responsible to meet the obligations of the deceased. However, other surviving family members may still be fiscally responsible if the deceased had co-signers on any loans or was married in a community property state and has a surviving spouse.\r\n\r\nInheritors of estate property, such as a house, car, boat, etc., that are subject to a nonrecourse debt are still required to either pay off any outstanding balance—sometimes by selling the property—or take over remaining payments until the debt has been paid in full.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>What is a Beneficiary?</h4>\r\nRetirement accounts and life insurance policies generally have someone named to receive or inherit the proceeds in the event of the owner’s death.\r\n\r\nThat person is called the “beneficiary.” Designating a beneficiary for these accounts not only clarifies your asset recipients but it also makes it easier for them to receive the proceeds and avoid waiting for the probate process to be completed.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Beneficiaries and Their Responsibilities</h4>\r\nThankfully, if you are named the primary beneficiary—the person to whom the payout normally goes to in the event of the policyholder’s death—that money is yours and is not usually required to cover the insured’s remaining debts. There are exceptions, however.\r\n\r\nIf your name is listed on any existing debt, perhaps as a cosigner, or you live in a community property state, your current assets (including life insurance inheritance) may be subject to community property rules and taxes at the state level.\r\n\r\nAs of 2018, 9 states impose community property laws: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.<sup>3</sup>\r\n\r\n“Community Property” is defined under the law of each individual state. To determine if life insurance proceeds are included in your state, you should seek legal advice specific to the state laws you are subject to.\r\n<figure>\r\n\r\n[caption id=\"\" align=\"alignleft\" width=\"250\"]<img class=\"article_image\" src=\"https://e806.globelifeinsurance.com/images/article_images/community-property-states.jpg\" alt=\"Debt After Death: As a Policy Beneficiary, What Do I Have To Do? | Globe Life\" width=\"250\" height=\"158\" /> <span style=\"font-size: 8pt;\">Community Property States by Legalskeptic - Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=16037686</span>[/caption]\r\n\r\n<figcaption>Additionally, if the estate is paid as the beneficiary, the proceeds from any retirement accounts or life insurance policies would go to the estate itself versus an individual. In that case, the benefits can be used to pay any outstanding debt.<sup>2\r\n<span style=\"color: #ffffff;\">-</span>\r\n</sup>Additionally, a will can give the executor of an estate permission to cover certain obligations with the life insurance proceeds.<sup>4\r\n</sup><span style=\"color: #ffffff;\">-</span></figcaption></figure>\r\n<h4>Estate Planning</h4>\r\nPlanning ahead is one of the best choices you can make to protect your loved ones or help aging parents with estate organization.\r\n\r\nWhile life insurance beneficiaries are typically not required to use the money to pay off debts owed by the estate, things such as funeral costs may be their obligation and not that of the estate. Having a strategy in place can help provide peace of mind for those left behind.\r\n\r\nProtection against the unexpected is exactly what life insurance was designed to provide. It is imperative to have the right amount of insurance coverage that is best for you and your family.\r\n\r\nBut just as important is ensuring that the coverage you have and the designations you’ve chosen are the most suitable for any post-mortem debt and tax obligations. By having a plan in place, you can safeguard your family’s legacy and continue to have a positive influence on their futures.\r\n\r\n<em><span style=\"font-size: 8pt;\">Sources:\r\n</span></em><em><span style=\"font-size: 8pt;\">1. Nerdwallet. (2018, May 8). What Happens to Your Debts After You Die. Retrieved from <a href=\"https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Garber, Julie. (2018, October 20). When Life Insurance Is Part of an Estate. Retrieved from <a href=\"https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Laurence, Bethany K. Debt and Marriage: When Do I Owe My Spouse’s Debts? Retrieved from <a href=\"https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">4. Real Insurance. (2018, August 6). Understanding How Debt Impacts Life Insurance Payouts. Retrieved from <a href=\"https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance</a></span></em>','Debt After Death: As A Policy Beneficiary, What Do I Have To Do?','','inherit','closed','closed','','345-revision-v1','','','2023-03-14 14:22:22','2023-03-14 14:22:22','',345,'http://cmdev-site1.com/?p=347',0,'revision','',0),(355,1,'2023-03-15 12:00:16','2023-03-15 12:00:16','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    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{\r\n    max-width: 100%;\r\n}	\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-15 12:00:16','2023-03-15 12:00:16','',35,'http://cmdev-site1.com/?p=355',0,'revision','',0),(354,1,'2023-03-15 10:30:45','2023-03-15 10:30:45','.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}\r\n\r\n.gform_wrapper.tc_wrapper .gform_heading {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    padding: 0;\r\n    font-weight: 700;\r\n    text-align: center;\r\n    color: #000;\r\n    font-size: 26px;\r\n    margin-bottom: 30px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    display: grid;\r\n    grid-template-columns: 5fr 7fr;\r\n    column-gap: 40px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    padding: 0;\r\n    font-size: 13px;\r\n    color: #000;\r\n    line-height: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_label, .gform_wrapper.tc_wrapper .gfield.two_box .validation_message {\r\n    grid-column: 1/-1;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text], .gform_wrapper.tc_wrapper input[type=email], .gform_wrapper.tc_wrapper input[type=tel], .gform_wrapper.tc_wrapper input[type=number] {\r\n    border: 1px solid #999;\r\n    outline: none;\r\n    border-radius: 5px;\r\n    padding: 12px 15px;\r\n    font-size: 15px !important;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=text]:focus, .gform_wrapper.tc_wrapper input[type=email]:focus, .gform_wrapper.tc_wrapper input[type=tel]:focus, .gform_wrapper.tc_wrapper input[type=number]:focus {\r\n    border-color: #333;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper input[type=number]::-webkit-outer-spin-button, .gform_wrapper.tc_wrapper input[type=number]::-webkit-inner-spin-button {\r\n    -webkit-appearance: none;\r\n    -moz-appearance: textfield;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    font-weight: 600;\r\n    color: #000;\r\n    font-size: 14px;\r\n    margin: 0;\r\n    max-width: 40%;\r\n    line-height: 18px;\r\n    margin-bottom: 5px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio .gchoice input[type=radio] {\r\n    display: none;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 16px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio label {\r\n    width: 100%;\r\n    max-width: 100%;\r\n    border: 1px solid #666;\r\n    text-align: center;\r\n    color: #333;\r\n    padding: 10px;\r\n    border-radius: 5px;\r\n    cursor: pointer;\r\n    transition: 0.3s;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.btn_box .gfield_radio input:checked + label {\r\n    background: #e3e1e1;\r\n    color: #000;\r\n    border-color: 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.gfield .gfield_label {\r\n    max-width: 100%;\r\n}	\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-15 10:30:45','2023-03-15 10:30:45','',35,'http://cmdev-site1.com/?p=354',0,'revision','',0),(350,3,'2023-04-09 12:43:28','2023-04-09 12:43:28','','FAQ','','trash','closed','closed','','__trashed','','','2023-04-09 12:43:28','2023-04-09 12:43:28','',0,'http://cmdev-site1.com/?page_id=350',0,'page','',0),(351,3,'2023-03-14 15:47:25','2023-03-14 15:47:25','','FAQ','','inherit','closed','closed','','350-revision-v1','','','2023-03-14 15:47:25','2023-03-14 15:47:25','',350,'http://cmdev-site1.com/?p=351',0,'revision','',0),(353,3,'2023-03-19 17:36:09','2023-03-19 17:36:09','<span style=\"font-size: 8pt;\">By Corey A. Jones</span>\n\nThe tragedy of a loved one’s passing brings so many burdens to the surviving family members: grief, fatigue, and financial questions.\n\nYou have to plan and have a funeral and then somehow deal with the overwhelming task of notifying creditors of their passing.\n\nThen there’s the life insurance. Does it have to pay the outstanding debts of the decedent? How does all of this work?\n<span style=\"color: #ffffff;\">-</span>\n<h4>Who Is Responsible For The Debts of the Deceased?</h4>\nWhen someone dies, their estate (everything owned at the time of death) may go into probate, during which the will is reviewed, and the administration of the estate is handled.<sup>1</sup>\n\nThe estate is generally responsible to meet the obligations of the deceased. However, other surviving family members may still be fiscally responsible if the deceased had co-signers on any loans or was married in a community property state and has a surviving spouse.\n\nInheritors of estate property, such as a house, car, boat, etc., that are subject to a nonrecourse debt are still required to either pay off any outstanding balance—sometimes by selling the property—or take over remaining payments until the debt has been paid in full.\n<span style=\"color: #ffffff;\">-</span>\n<h4>What is a Beneficiary?</h4>\nRetirement accounts and life insurance policies generally have someone named to receive or inherit the proceeds in the event of the owner’s death.\n\nThat person is called the “beneficiary.” Designating a beneficiary for these accounts not only clarifies your asset recipients but it also makes it easier for them to receive the proceeds and avoid waiting for the probate process to be completed.<sup>2\n<span style=\"color: #ffffff;\">-</span></sup>\n<h4>Beneficiaries and Their Responsibilities</h4>\nThankfully, if you are named the primary beneficiary—the person to whom the payout normally goes to in the event of the policyholder’s death—that money is yours and is not usually required to cover the insured’s remaining debts. There are exceptions, however.\n\nIf your name is listed on any existing debt, perhaps as a cosigner, or you live in a community property state, your current assets (including life insurance inheritance) may be subject to community property rules and taxes at the state level.\n\nAs of 2018, 9 states impose community property laws: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.<sup>3</sup>\n\n“Community Property” is defined under the law of each individual state. To determine if life insurance proceeds are included in your state, you should seek legal advice specific to the state laws you are subject to.\n<figure>\n\n[caption id=\"\" align=\"alignleft\" width=\"250\"]<img class=\"article_image\" src=\"https://e806.globelifeinsurance.com/images/article_images/community-property-states.jpg\" alt=\"Debt After Death: As a Policy Beneficiary, What Do I Have To Do? | Globe Life\" width=\"250\" height=\"158\" /> <span style=\"font-size: 8pt;\">Community Property States by Legalskeptic - Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=16037686</span>[/caption]\n\n<figcaption>Additionally, if the estate is paid as the beneficiary, the proceeds from any retirement accounts or life insurance policies would go to the estate itself versus an individual. In that case, the benefits can be used to pay any outstanding debt.<sup>2\n<span style=\"color: #ffffff;\">-</span>\n</sup>Additionally, a will can give the executor of an estate permission to cover certain obligations with the life insurance proceeds.<sup>4\n</sup><span style=\"color: #ffffff;\">-</span></figcaption></figure>\n<h4>Estate Planning</h4>\nPlanning ahead is one of the best choices you can make to protect your loved ones or help aging parents with estate organization.\n\nWhile life insurance beneficiaries are typically not required to use the money to pay off debts owed by the estate, things such as funeral costs may be their obligation and not that of the estate. Having a strategy in place can help provide peace of mind for those left behind.\n\nProtection against the unexpected is exactly what life insurance was designed to provide. It is imperative to have the right amount of insurance coverage that is best for you and your family.\n\nBut just as important is ensuring that the coverage you have and the designations you’ve chosen are the most suitable for any post-mortem debt and tax obligations. By having a plan in place, you can safeguard your family’s legacy and continue to have a positive influence on their futures.\n\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>.\n\n<em><span style=\"font-size: 8pt;\">Sources:\n</span></em><em><span style=\"font-size: 8pt;\">1. Nerdwallet. (2018, May 8). What Happens to Your Debts After You Die. Retrieved from <a href=\"https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/</a>\n</span></em><em><span style=\"font-size: 8pt;\">2. Garber, Julie. (2018, October 20). When Life Insurance Is Part of an Estate. Retrieved from <a href=\"https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232</a>\n</span></em><em><span style=\"font-size: 8pt;\">3. Laurence, Bethany K. Debt and Marriage: When Do I Owe My Spouse’s Debts? Retrieved from <a href=\"https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html</a>\n</span></em><em><span style=\"font-size: 8pt;\">4. Real Insurance. (2018, August 6). Understanding How Debt Impacts Life Insurance Payouts. 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\r\n	\r\n.gform_wrapper.tc_wrapper {\r\n    width: 100%;\r\n    padding: 18px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper h3 {\r\n    font-size: 18px;\r\n    margin-bottom: 20px;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box {\r\n    grid-template-columns: 1fr;\r\n}\r\n\r\n.gform_wrapper.tc_wrapper .gfield.two_box .gfield_description {\r\n    margin-top: 15px;\r\n}\r\n.gform_wrapper.tc_wrapper input[type=text], .gform_wrapper.tc_wrapper input[type=email], .gform_wrapper.tc_wrapper input[type=tel], .gform_wrapper.tc_wrapper input[type=number] {\r\n    padding: 6px 15px;\r\n}\r\n.gform_wrapper.tc_wrapper .gfield .gfield_label {\r\n    max-width: 100%;\r\n}	\r\n}','Divi','','inherit','closed','closed','','35-revision-v1','','','2023-03-15 12:05:11','2023-03-15 12:05:11','',35,'http://cmdev-site1.com/?p=357',0,'revision','',0),(364,1,'2023-03-19 02:53:25','2023-03-19 02:53:25','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"child playing superhero\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" hover_enabled=\"0\" sticky_enabled=\"0\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\" text_text_color=\"#FFFFFF\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p>We\'re unlike other life insurance experiences you have had. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/et_pb_text][/et_pb_column][/et_pb_row][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 _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/et_pb_code][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\" admin_label=\"Text\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p>Your policy could start at just .67¢ a day.</p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_blog _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 02:53:25','2023-03-19 02:53:25','',138,'http://cmdev-site1.com/?p=364',0,'revision','',0),(367,1,'2023-03-19 02:58:50','2023-03-19 02:58:50','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" 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\" global_colors_info=\"{}\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>We\'re unlike other life insurance experiences you have had. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/et_pb_text][/et_pb_column][/et_pb_row][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 _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/et_pb_code][/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\" global_colors_info=\"{}\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</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_blog _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/et_pb_column][/et_pb_row][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/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\" global_colors_info=\"{}\"]<p>Share your email with us and every few weeks we\'ll send some life wisdom your way.</p>[/et_pb_text][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_signup][/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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 02:58:50','2023-03-19 02:58:50','',138,'http://cmdev-site1.com/?p=367',0,'revision','',0),(366,1,'2023-03-19 02:58:36','2023-03-19 02:58:36','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" 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\" global_colors_info=\"{}\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>We\'re unlike other life insurance experiences you have had. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/et_pb_text][/et_pb_column][/et_pb_row][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 _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/et_pb_code][/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\" global_colors_info=\"{}\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</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_blog _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\" title_text=\"Cell phone subscribe photo New Green b3d04e and new blue 3e5ac0\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" column_structure=\"1_2,1_2\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"1_2\"][/et_pb_column][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"1_2\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p>Share your email with us and every few weeks we\'ll send some life wisdom your way.</p>[/et_pb_text][et_pb_signup _builder_version=\"4.20.2\" _module_preset=\"default\" button_text=\"Subscribe to our Newsletter!\" hover_enabled=\"0\" sticky_enabled=\"0\"][/et_pb_signup][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_blog _builder_version=\"4.20.2\" _module_preset=\"default\" posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" hover_enabled=\"0\" sticky_enabled=\"0\"][/et_pb_blog][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_testimonial _builder_version=\"4.20.2\" _module_preset=\"default\" author=\"Ehis - Houston, TX\" hover_enabled=\"0\" sticky_enabled=\"0\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 02:58:36','2023-03-19 02:58:36','',138,'http://cmdev-site1.com/?p=366',0,'revision','',0),(517,1,'2023-03-26 19:52:21','2023-03-26 19:52:21','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" 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|||||\" hover_enabled=\"0\" global_colors_info=\"{}\" _module_preset=\"bfc539b2-ac54-4571-be42-6a549fd9d36c\" sticky_enabled=\"0\"][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_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=\"{}\"][/et_pb_menu][/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_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=\"{}\"][/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=\"{}\"]<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_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\" 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_2,1_2\" admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" custom_padding=\"2px||0px|||\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _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\" global_colors_info=\"{}\"][/dsm_perspective_image][/et_pb_column][et_pb_column type=\"1_2\" _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|||\" 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|||||\" 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_alignment=\"center\" _builder_version=\"4.20.2\" _module_preset=\"default\" 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=\"#cccac7\" custom_padding=\"25px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" 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\" custom_padding=\"86px||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_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_radius=\"14px\" global_colors_info=\"{}\"][/dsm_button][/et_pb_column][et_pb_column type=\"1_2\" _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\" 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/Downtown-Houston-skyline-Black-White-6139-x-2500-scaled.jpg\" custom_padding=\"85px||0px|||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"199.3px\" custom_padding=\"||103px|||\" 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\" custom_margin=\"||-4px|||\" custom_padding=\"112px|||||\" global_colors_info=\"{}\"]<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Proudly Headquartered in Houston, Texas</span></h2>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-26 19:52:21','2023-03-26 19:52:21','',138,'http://cmdev-site1.com/?p=517',0,'revision','',0),(369,1,'2023-03-19 03:01:36','2023-03-19 03:01:36','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" global_colors_info=\"{}\" custom_padding=\"23px|||||\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" hover_enabled=\"0\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\" custom_padding=\"24px||231px|||\" sticky_enabled=\"0\"][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\" text_text_color=\"#FFFFFF\" hover_enabled=\"0\" global_colors_info=\"{}\" custom_margin=\"||27px||false|false\" sticky_enabled=\"0\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/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_column][/et_pb_row][et_pb_row admin_label=\"row\" _builder_version=\"4.16\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" global_colors_info=\"{}\" custom_margin=\"-3px|auto||auto||\" min_height=\"187.1px\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/et_pb_code][/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\" global_colors_info=\"{}\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</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_blog _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/et_pb_column][/et_pb_row][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/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\" global_colors_info=\"{}\"]<p>Share your email with us and every few weeks we\'ll send some life wisdom your way.</p>[/et_pb_text][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_signup][/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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:01:36','2023-03-19 03:01:36','',138,'http://cmdev-site1.com/?p=369',0,'revision','',0),(374,1,'2023-03-19 03:04:25','2023-03-19 03:04:25','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"24px||231px|||\" 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\" text_text_color=\"#FFFFFF\" custom_margin=\"||27px||false|false\" global_colors_info=\"{}\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/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_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\"][et_pb_row admin_label=\"row\" _builder_version=\"4.16\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto||auto||\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\" theme_builder_area=\"post_content\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/et_pb_code][/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\"][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_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" admin_label=\"Row\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</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 _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_blog _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/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\" global_colors_info=\"{}\"]<p>Share your email with us and every few weeks we\'ll send some life wisdom your way.</p>[/et_pb_text][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_signup][/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 _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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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 admin_label=\"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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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 _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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:04:25','2023-03-19 03:04:25','',138,'http://cmdev-site1.com/?p=374',0,'revision','',0),(371,1,'2023-03-19 03:03:15','2023-03-19 03:03:15','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"24px||231px|||\" 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\" text_text_color=\"#FFFFFF\" custom_margin=\"||27px||false|false\" global_colors_info=\"{}\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/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_column][/et_pb_row][et_pb_row admin_label=\"row\" _builder_version=\"4.16\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto||auto||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/et_pb_code][/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\" global_colors_info=\"{}\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</p>[/et_pb_text][/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\"][/et_pb_section][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\" 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_blog _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][/et_pb_blog][/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\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p>Share your email with us and every few weeks we\'ll send some life wisdom your way.</p>[/et_pb_text][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][/et_pb_signup][/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\"][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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][/et_pb_blog][/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\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" admin_label=\"Row\" 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_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/et_pb_text][/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\"][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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:03:15','2023-03-19 03:03:15','',138,'http://cmdev-site1.com/?p=371',0,'revision','',0),(378,1,'2023-03-19 03:08:03','2023-03-19 03:08:03','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" custom_padding=\"24px||231px|||\" 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\" text_text_color=\"#FFFFFF\" custom_margin=\"||27px||false|false\" global_colors_info=\"{}\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/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_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 admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto||auto||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/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\" 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\" global_colors_info=\"{}\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 admin_label=\"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\" global_colors_info=\"{}\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 admin_label=\"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 admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</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/2023/03/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/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\" global_colors_info=\"{}\"]<p>Share your email with us and every few weeks we\'ll send some life wisdom your way.</p>[/et_pb_text][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_signup][/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 _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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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 admin_label=\"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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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 _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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:08:03','2023-03-19 03:08:03','',138,'http://cmdev-site1.com/?p=378',0,'revision','',0),(376,1,'2023-03-19 03:07:22','2023-03-19 03:07:22','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" custom_padding=\"23px|||||\" hover_enabled=\"0\" global_colors_info=\"{}\" title_text=\"child playing superhero\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" sticky_enabled=\"0\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" custom_padding=\"24px||231px|||\" hover_enabled=\"0\" global_colors_info=\"{}\" background_enable_image=\"off\" sticky_enabled=\"0\"][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\" text_text_color=\"#FFFFFF\" custom_margin=\"||27px||false|false\" global_colors_info=\"{}\"]<p>Planning for a <em>better </em>financial future</p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </p>[/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_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 admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto||auto||\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] -->Form Goes Here<!-- [et_pb_line_break_holder] --></p>[/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\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][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\" global_colors_info=\"{}\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</p>[/et_pb_text][/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\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" admin_label=\"Row\" theme_builder_area=\"post_content\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p>We have your back. And american income life has ours. </p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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 admin_label=\"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 admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><strong>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</strong></p>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</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 _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_blog _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" title_text=\"Cell phone subscribe photo New Green b3d04e and new blue 3e5ac0\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" sticky_enabled=\"0\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" background_enable_image=\"off\" sticky_enabled=\"0\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/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\" global_colors_info=\"{}\"]<p>Share your email with us and every few weeks we\'ll send some life wisdom your way.</p>[/et_pb_text][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_signup][/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 _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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 admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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 _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:07:22','2023-03-19 03:07:22','',138,'http://cmdev-site1.com/?p=376',0,'revision','',0),(381,1,'2023-03-19 03:28:01','2023-03-19 03:28:01','[et_pb_section fb_built=\"1\" fullwidth=\"on\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"City of Houston Skyline July 4th 2018 with dramatic sunset\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/02/J-Sutton-Financial-Houston-Skyline-w-white-logo-edited-2-28-2023.jpg\" hover_enabled=\"0\" sticky_enabled=\"0\" custom_padding=\"||376px|||\"][/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" custom_padding=\"24px||146px|||\" global_colors_info=\"{}\" custom_margin=\"|auto|-52px|auto||\"][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\" text_text_color=\"#FFFFFF\" custom_margin=\"||27px||false|false\" hover_enabled=\"0\" global_colors_info=\"{}\" header_font_size=\"54px\" sticky_enabled=\"0\" header_text_color=\"#FFFFFF\"]<h2><span style=\"color: #ffffff;\">Planning for a <em>better </em>financial future</span></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<h3><span style=\"color: #000000;\">We\'re unlike other life insurance experiences you\'ve had.</span></h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><span style=\"color: rgba(0, 0, 0, 0.85);\">J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </span></p>[/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_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" custom_margin=\"18px||-35px|||\" custom_padding=\"0px|||||\"][et_pb_row admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" global_colors_info=\"{}\" custom_padding=\"||0px|||\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<p><!-- [et_pb_line_break_holder] --> This is a placeholder for the coming form.  <!-- [et_pb_line_break_holder] --></p><!-- [et_pb_line_break_holder] -->[/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\" hover_enabled=\"0\" global_colors_info=\"{}\" background_color=\"rgba(0,0,0,0.08)\" sticky_enabled=\"0\" custom_padding=\"4px|||||\" min_height=\"377.5px\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\" sticky_enabled=\"0\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/AdobeStock_379114373-scaled.jpg\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"Young happy couple video call to family with laptop computer at\" hover_enabled=\"0\" sticky_enabled=\"0\"][/et_pb_image][/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\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<h3>We have your back. And american income life has ours.</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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=\"{}\" custom_padding=\"25px||0px|||\"][et_pb_row admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\" sticky_enabled=\"0\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<h3>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</p>[/et_pb_text][/et_pb_column][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"1_2\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Two-Cups-of-coffee-to-go-scaled.jpg\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"4463273 Two white paper cups of coffee on wooden table.\" hover_enabled=\"0\" sticky_enabled=\"0\" max_width=\"83%\" width=\"54%\" align=\"right\"][/et_pb_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/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\" custom_padding=\"85px||0px|||\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" min_height=\"282px\" title=\"Share your email with us and every few weeks we\'ll send some life wisdom your way. \" sticky_enabled=\"0\"][/et_pb_signup][/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=\"{}\" custom_margin=\"||-63px|||\"][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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" fullwidth=\"off\" sticky_enabled=\"0\"][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" background_color=\"rgba(0,0,0,0.08)\" sticky_enabled=\"0\"][et_pb_row admin_label=\"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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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=\"{}\" custom_padding=\"6px|||||\"][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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" fullwidth=\"on\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\"][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:28:01','2023-03-19 03:28:01','',138,'http://cmdev-site1.com/?p=381',0,'revision','',0),(504,1,'2023-03-26 19:29:37','2023-03-26 19:29:37','[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Header-New-3-22-2023-Color-Adjusted-USE-scaled.jpg\" custom_padding=\"23px|||||\" global_colors_info=\"{}\" custom_margin=\"||9px|||\"][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_menu _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\" active_link_color=\"#3f3f3f\" menu_text_color=\"#000000\" menu_font_size=\"18px\" background_enable_color=\"off\"][/et_pb_menu][/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_typing_effect before_typing_effect=\"J. Sutton Financial\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" typing_effect=\", an Independent Agency for American Income Life Insurance Company  \" sticky_enabled=\"0\" header_text_color=\"#FFFFFF\" before_new_line=\"off\"][/dsm_typing_effect][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" text_text_color=\"#FFFFFF\" text_font_size=\"18px\" sticky_enabled=\"0\"]<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\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" button_two_text=\"Work for Us\" sticky_enabled=\"0\" button_alignment=\"center\" button_one_lightbox_close_color=\"#FFFFFF\" button_two_lightbox_close_color=\"#FFFFFF\" custom_button_one=\"on\" button_one_text_color=\"#000000\" button_one_bg_color=\"#ffffff\" button_one_bg_enable_color=\"on\" button_one_border_width=\"0px\" button_one_border_color=\"RGBA(255,255,255,0)\" custom_button_two=\"on\" button_two_text_color=\"#000000\" button_two_bg_color=\"#ffffff\" button_two_bg_enable_color=\"on\" button_two_border_color=\"RGBA(255,255,255,0)\" button_one_border_radius=\"14px\" button_two_border_radius=\"14px\" button_two_border_width=\"0px\"][/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 admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" custom_padding=\"2px||0px|||\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\"][et_pb_column type=\"1_2\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][dsm_perspective_image _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"Umbrella Roll in Icon\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Umbrella-Roll-in-Icon.png\" hover_enabled=\"0\" sticky_enabled=\"0\"][/dsm_perspective_image][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" custom_margin=\"||18px|||\" custom_padding=\"57px|||||\"]<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\" hover_enabled=\"0\" sticky_enabled=\"0\" custom_margin=\"-7px|||||\"]<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 _builder_version=\"4.20.2\" _module_preset=\"default\" button_one_text=\"Learn More\" button_alignment=\"center\" hover_enabled=\"0\" sticky_enabled=\"0\"][/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_padding=\"25px||0px|||\" hover_enabled=\"0\" global_colors_info=\"{}\" background_color=\"#cccac7\" sticky_enabled=\"0\"][et_pb_row column_structure=\"1_2,1_2\" admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" 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\" hover_enabled=\"0\" sticky_enabled=\"0\" custom_padding=\"86px||0px|||\"]<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\" hover_enabled=\"0\" sticky_enabled=\"0\" custom_padding=\"||0px|||\" text_font_size=\"16px\" text_text_color=\"#000000\"]<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 _builder_version=\"4.20.2\" _module_preset=\"default\" button_one_text=\"Apply Now!\" custom_button_one=\"on\" button_one_text_color=\"#000000\" hover_enabled=\"0\" sticky_enabled=\"0\" button_one_bg_color=\"#FFFFFF\" button_one_bg_enable_color=\"on\" button_alignment=\"center\" button_one_border_radius=\"14px\" button_one_border_width=\"0px\"][/dsm_button][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][dsm_perspective_image _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"People Icon\" src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/People-Icon.png\" hover_enabled=\"0\" 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_padding=\"85px||0px|||\" hover_enabled=\"0\" global_colors_info=\"{}\" title_text=\"Downtown Houston skyline\" sticky_enabled=\"0\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"199.3px\" custom_padding=\"||103px|||\"][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"4_4\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\" text_text_color=\"#FFFFFF\" custom_margin=\"||-4px|||\" custom_padding=\"112px|||||\"]<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Proudly Headquartered in Houston, Texas</span></h2>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-26 19:29:37','2023-03-26 19:29:37','',138,'http://cmdev-site1.com/?p=504',0,'revision','',0),(380,1,'2023-03-19 03:23:17','2023-03-19 03:23:17','[et_pb_section fb_built=\"1\" fullwidth=\"on\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"City of Houston Skyline July 4th 2018 with dramatic sunset\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/02/J-Sutton-Financial-Houston-Skyline-w-white-logo-edited-2-28-2023.jpg\" hover_enabled=\"0\" sticky_enabled=\"0\" custom_padding=\"||376px|||\"][/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" custom_padding=\"24px||146px|||\" global_colors_info=\"{}\" custom_margin=\"|auto|-52px|auto||\"][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\" text_text_color=\"#FFFFFF\" custom_margin=\"||27px||false|false\" hover_enabled=\"0\" global_colors_info=\"{}\" header_font_size=\"54px\" sticky_enabled=\"0\" header_text_color=\"#FFFFFF\"]<h2><span style=\"color: #ffffff;\">Planning for a <em>better </em>financial future</span></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<h3><span style=\"color: #000000;\">We\'re unlike other life insurance experiences you\'ve had.</span></h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><span style=\"color: rgba(0, 0, 0, 0.85);\">J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </span></p>[/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_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" custom_margin=\"18px||-35px|||\" custom_padding=\"0px|||||\"][et_pb_row admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" global_colors_info=\"{}\" custom_padding=\"||0px|||\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<p><!-- [et_pb_line_break_holder] --> This is a placeholder for the coming form.  <!-- [et_pb_line_break_holder] --></p><!-- [et_pb_line_break_holder] -->[/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\" hover_enabled=\"0\" global_colors_info=\"{}\" background_color=\"rgba(0,0,0,0.08)\" sticky_enabled=\"0\" custom_padding=\"4px|||||\" min_height=\"377.5px\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\" sticky_enabled=\"0\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/AdobeStock_379114373-scaled.jpg\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"Young happy couple video call to family with laptop computer at\" hover_enabled=\"0\" sticky_enabled=\"0\"][/et_pb_image][/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\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<h3>We have your back. And american income life has ours.</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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=\"{}\" custom_padding=\"25px||0px|||\"][et_pb_row admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\" sticky_enabled=\"0\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<h3>Just because something is essential, doesn’t mean it has to cost more than a cup of coffee</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Your policy could start at just .67¢ a day.</p>[/et_pb_text][/et_pb_column][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"1_2\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Two-Cups-of-coffee-to-go-scaled.jpg\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"4463273 Two white paper cups of coffee on wooden table.\" hover_enabled=\"0\" sticky_enabled=\"0\" max_width=\"83%\" width=\"54%\" align=\"right\"][/et_pb_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/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\" custom_padding=\"85px||0px|||\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" min_height=\"282px\" title=\"Share your email with us and every few weeks we\'ll send some life wisdom your way. \" sticky_enabled=\"0\"][/et_pb_signup][/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=\"{}\" custom_margin=\"||-63px|||\"][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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" fullwidth=\"off\" sticky_enabled=\"0\"][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" background_color=\"rgba(0,0,0,0.08)\" sticky_enabled=\"0\"][et_pb_row admin_label=\"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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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=\"{}\" custom_padding=\"6px|||||\"][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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:23:17','2023-03-19 03:23:17','',138,'http://cmdev-site1.com/?p=380',0,'revision','',0),(387,1,'2023-03-19 03:39:50','2023-03-19 03:39:50','[et_pb_section fb_built=\"1\" fullwidth=\"on\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/02/J-Sutton-Financial-Houston-Skyline-w-white-logo-edited-2-28-2023.jpg\" custom_padding=\"||376px|||\" global_colors_info=\"{}\"][/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" custom_margin=\"|auto|-52px|auto||\" custom_padding=\"24px||146px|||\" 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\" text_text_color=\"#FFFFFF\" header_text_color=\"#FFFFFF\" header_font_size=\"54px\" custom_margin=\"||27px||false|false\" global_colors_info=\"{}\"]<h2><span style=\"color: #ffffff;\">Planning for a <em>better </em>financial future</span></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h3><span style=\"color: #000000;\">We\'re unlike other life insurance experiences you\'ve had.</span></h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><span style=\"color: rgba(0, 0, 0, 0.85);\">J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </span></p>[/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_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 admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" custom_padding=\"||0px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] --> This is a placeholder for the coming form.  <!-- [et_pb_line_break_holder] --></p><!-- [et_pb_line_break_holder] -->[/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(0,0,0,0.05)\" min_height=\"377.5px\" custom_padding=\"4px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/AdobeStock_379114373-scaled.jpg\" title_text=\"Young happy couple video call to family with laptop computer at\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_image][/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\" global_colors_info=\"{}\"]<h3>We have your back. And american income life has ours.</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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\" custom_padding=\"25px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" position_origin_r=\"top_right\" custom_margin=\"45px||45px||false|false\" global_colors_info=\"{}\"]<h3 style=\"text-align: left;\">Just because something is essential, doesn’t mean it has to cost more than a cup of coffee.</h3>\n<h4 style=\"text-align: left;\">Your policy could start at just .67¢ a day.</h4>[/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_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Two-Cups-of-coffee-to-go-scaled.jpg\" title_text=\"4463273 Two white paper cups of coffee on wooden table.\" align=\"right\" _builder_version=\"4.20.2\" _module_preset=\"default\" width=\"54%\" max_width=\"83%\" global_colors_info=\"{}\"][/et_pb_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/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" custom_padding=\"85px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_signup title=\"Share your email with us and every few weeks we\'ll send some life wisdom your way. \" button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"282px\" global_colors_info=\"{}\"][/et_pb_signup][/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=\"||-63px|||\" 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_blog fullwidth=\"off\" posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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(0,0,0,0.05)\" global_colors_info=\"{}\"][et_pb_row admin_label=\"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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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\" custom_padding=\"6px|||||\" 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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:39:50','2023-03-19 03:39:50','',138,'http://cmdev-site1.com/?p=387',0,'revision','',0),(384,1,'2023-04-09 12:41:32','2023-03-19 03:31:43',' ','','','publish','closed','closed','','384','','','2023-04-09 12:41:32','2023-04-09 12:41:32','',0,'http://cmdev-site1.com/2023/03/19/384/',1,'nav_menu_item','',0),(383,1,'2023-03-19 03:31:38','2023-03-19 03:31:38','[et_pb_section fb_built=\"1\" fullwidth=\"on\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"City of Houston Skyline July 4th 2018 with dramatic sunset\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/02/J-Sutton-Financial-Houston-Skyline-w-white-logo-edited-2-28-2023.jpg\" hover_enabled=\"0\" sticky_enabled=\"0\" custom_padding=\"||376px|||\"][/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" custom_padding=\"24px||146px|||\" global_colors_info=\"{}\" custom_margin=\"|auto|-52px|auto||\"][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\" text_text_color=\"#FFFFFF\" custom_margin=\"||27px||false|false\" hover_enabled=\"0\" global_colors_info=\"{}\" header_font_size=\"54px\" sticky_enabled=\"0\" header_text_color=\"#FFFFFF\"]<h2><span style=\"color: #ffffff;\">Planning for a <em>better </em>financial future</span></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\"]<h3><span style=\"color: #000000;\">We\'re unlike other life insurance experiences you\'ve had.</span></h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><span style=\"color: rgba(0, 0, 0, 0.85);\">J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </span></p>[/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_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\" custom_margin=\"18px||-35px|||\" custom_padding=\"0px|||||\"][et_pb_row admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" global_colors_info=\"{}\" custom_padding=\"||0px|||\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<p><!-- [et_pb_line_break_holder] --> This is a placeholder for the coming form.  <!-- [et_pb_line_break_holder] --></p><!-- [et_pb_line_break_holder] -->[/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\" hover_enabled=\"0\" global_colors_info=\"{}\" background_color=\"rgba(0,0,0,0.05)\" sticky_enabled=\"0\" custom_padding=\"4px|||||\" min_height=\"377.5px\"][et_pb_row _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\" sticky_enabled=\"0\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/AdobeStock_379114373-scaled.jpg\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"Young happy couple video call to family with laptop computer at\" hover_enabled=\"0\" sticky_enabled=\"0\"][/et_pb_image][/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\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<h3>We have your back. And american income life has ours.</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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=\"{}\" custom_padding=\"25px||0px|||\"][et_pb_row admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" column_structure=\"1_2,1_2\" sticky_enabled=\"0\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\" custom_margin=\"45px||45px||false|false\" position_origin_r=\"top_right\"]<h3 style=\"text-align: left;\">Just because something is essential, doesn’t mean it has to cost more than a cup of coffee.</h3>\n<h4 style=\"text-align: left;\">Your policy could start at just .67¢ a day.</h4>[/et_pb_text][/et_pb_column][et_pb_column _builder_version=\"4.20.2\" _module_preset=\"default\" type=\"1_2\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Two-Cups-of-coffee-to-go-scaled.jpg\" _builder_version=\"4.20.2\" _module_preset=\"default\" title_text=\"4463273 Two white paper cups of coffee on wooden table.\" hover_enabled=\"0\" sticky_enabled=\"0\" max_width=\"83%\" width=\"54%\" align=\"right\"][/et_pb_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/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" global_colors_info=\"{}\" custom_padding=\"85px||0px|||\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_signup button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" min_height=\"282px\" title=\"Share your email with us and every few weeks we\'ll send some life wisdom your way. \" sticky_enabled=\"0\"][/et_pb_signup][/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=\"{}\" custom_margin=\"||-63px|||\"][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_blog posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" fullwidth=\"off\" sticky_enabled=\"0\"][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" global_colors_info=\"{}\" background_color=\"rgba(0,0,0,0.05)\" sticky_enabled=\"0\"][et_pb_row admin_label=\"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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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=\"{}\" custom_padding=\"6px|||||\"][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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=\"1\" fullwidth=\"on\" theme_builder_area=\"post_content\" _builder_version=\"4.20.2\" _module_preset=\"default\"][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-19 03:31:38','2023-03-19 03:31:38','',138,'http://cmdev-site1.com/?p=383',0,'revision','',0),(488,1,'2023-03-26 18:31:17','2023-03-26 18:31:17','[et_pb_section fb_built=\"1\" fullwidth=\"on\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Header-New-3-22-2023-Color-Adjusted-USE-scaled.jpg\" custom_padding=\"||376px|||\" hover_enabled=\"0\" global_colors_info=\"{}\" title_text=\"City of Houston Skyline July 4th 2018 with dramatic sunset\" sticky_enabled=\"0\"][et_pb_fullwidth_menu _builder_version=\"4.20.2\" _module_preset=\"default\" hover_enabled=\"0\" sticky_enabled=\"0\" background_enable_color=\"off\" menu_font_size=\"18px\"][/et_pb_fullwidth_menu][/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.20.2\" background_image=\"http://cmdev-site1.com/wp-content/uploads/2023/03/New-Website-Header-No-Verbage-scaled.jpg\" custom_padding=\"23px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" custom_margin=\"|auto|-52px|auto||\" custom_padding=\"24px||146px|||\" 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\" text_text_color=\"#FFFFFF\" header_text_color=\"#FFFFFF\" header_font_size=\"54px\" custom_margin=\"||27px||false|false\" global_colors_info=\"{}\"]<h2><span style=\"color: #ffffff;\">Planning for a <em>better </em>financial future</span></h2>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h3><span style=\"color: #000000;\">We\'re unlike other life insurance experiences you\'ve had.</span></h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><span style=\"color: rgba(0, 0, 0, 0.85);\">J. Sutton Financial offers an easy way to get pricing for dependable and affordable term life insurance policy to help financially protect the people that are important to you. </span></p>[/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_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 admin_label=\"row\" _builder_version=\"4.20.2\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" min_height=\"187.1px\" custom_margin=\"-3px|auto|-74px|auto||\" custom_padding=\"||0px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<h2><strong>How much life insurance do you need?</strong></h2>[/et_pb_text][et_pb_code _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p><!-- [et_pb_line_break_holder] --> This is a placeholder for the coming form.  <!-- [et_pb_line_break_holder] --></p><!-- [et_pb_line_break_holder] -->[/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(0,0,0,0.05)\" min_height=\"377.5px\" custom_padding=\"4px|||||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/AdobeStock_379114373-scaled.jpg\" title_text=\"Young happy couple video call to family with laptop computer at\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_image][/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\" global_colors_info=\"{}\"]<h3>We have your back. And american income life has ours.</h3>[/et_pb_text][et_pb_text _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>Sutton Financial offers Term Life, Whole Life and AD&amp;D (Accidental Death &amp; Dismemberment) insurance coverage issued by American Income Life, one of the country’s oldest insurers, or its subsidiary Globe Life. As a J. Sutton policyholder, you’ll get to enjoy the personal attention of a modern<br />life insurance agency and the feeling of comfort that<br />comes from having coverage you can trust.</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\" custom_padding=\"25px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" admin_label=\"Row\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.20.2\" _module_preset=\"default\" position_origin_r=\"top_right\" custom_margin=\"45px||45px||false|false\" global_colors_info=\"{}\"]<h3 style=\"text-align: left;\">Just because something is essential, doesn’t mean it has to cost more than a cup of coffee.</h3>\n<h4 style=\"text-align: left;\">Your policy could start at just .67¢ a day.</h4>[/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_image src=\"http://cmdev-site1.com/wp-content/uploads/2023/03/Two-Cups-of-coffee-to-go-scaled.jpg\" title_text=\"4463273 Two white paper cups of coffee on wooden table.\" align=\"right\" _builder_version=\"4.20.2\" _module_preset=\"default\" width=\"54%\" max_width=\"83%\" global_colors_info=\"{}\"][/et_pb_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/Cell-phone-subscribe-photo-New-Green-b3d04e-and-new-blue-3e5ac0.png\" custom_padding=\"85px||0px|||\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_2,1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" background_enable_image=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_signup title=\"Share your email with us and every few weeks we\'ll send some life wisdom your way. \" button_text=\"Subscribe to our Newsletter!\" _builder_version=\"4.20.2\" _module_preset=\"default\" min_height=\"282px\" global_colors_info=\"{}\"][/et_pb_signup][/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=\"||-63px|||\" 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_blog fullwidth=\"off\" posts_number=\"3\" include_categories=\"5\" use_manual_excerpt=\"off\" show_more=\"on\" show_author=\"off\" show_date=\"off\" show_categories=\"off\" show_excerpt=\"off\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"][/et_pb_blog][/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(0,0,0,0.05)\" global_colors_info=\"{}\"][et_pb_row admin_label=\"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\" global_colors_info=\"{}\"]<h2>Our promise to you:</h2>\n<ul>\n<li>We promise to provide dependable coverage backed by an industry leader</li>\n<li>We promise to treat you like more than just a policy number</li>\n<li>We will never stop learning and looking for ways to improve.</li>\n<li>We promise to provide you with support that\'s knowledgeable, caring and friendly</li>\n<li>We promise to try to make this insurance thing something you can enjoy.</li>\n</ul>[/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\" custom_padding=\"6px|||||\" 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_testimonial author=\"Ehis - Houston, TX\" _builder_version=\"4.20.2\" _module_preset=\"default\" global_colors_info=\"{}\"]<p>\"I have always been curious about how life insurance worked; I knew it was something I wanted because I always hear positive things about it. When I spoke to Justin, he broke down the entire process for me. I had such a great experience I doubled my coverage within a month of signing up.\"</p>[/et_pb_testimonial][/et_pb_column][/et_pb_row][/et_pb_section]','Home','','inherit','closed','closed','','138-revision-v1','','','2023-03-26 18:31:17','2023-03-26 18:31:17','',138,'http://cmdev-site1.com/?p=488',0,'revision','',0),(389,3,'2023-03-19 17:36:33','2023-03-19 17:36:33','<span style=\"font-size: 8pt;\">By Corey A. Jones</span>\r\n\r\nThe tragedy of a loved one’s passing brings so many burdens to the surviving family members: grief, fatigue, and financial questions.\r\n\r\nYou have to plan and have a funeral and then somehow deal with the overwhelming task of notifying creditors of their passing.\r\n\r\nThen there’s the life insurance. Does it have to pay the outstanding debts of the decedent? How does all of this work?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Who Is Responsible For The Debts of the Deceased?</h4>\r\nWhen someone dies, their estate (everything owned at the time of death) may go into probate, during which the will is reviewed, and the administration of the estate is handled.<sup>1</sup>\r\n\r\nThe estate is generally responsible to meet the obligations of the deceased. However, other surviving family members may still be fiscally responsible if the deceased had co-signers on any loans or was married in a community property state and has a surviving spouse.\r\n\r\nInheritors of estate property, such as a house, car, boat, etc., that are subject to a nonrecourse debt are still required to either pay off any outstanding balance—sometimes by selling the property—or take over remaining payments until the debt has been paid in full.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>What is a Beneficiary?</h4>\r\nRetirement accounts and life insurance policies generally have someone named to receive or inherit the proceeds in the event of the owner’s death.\r\n\r\nThat person is called the “beneficiary.” Designating a beneficiary for these accounts not only clarifies your asset recipients but it also makes it easier for them to receive the proceeds and avoid waiting for the probate process to be completed.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Beneficiaries and Their Responsibilities</h4>\r\nThankfully, if you are named the primary beneficiary—the person to whom the payout normally goes to in the event of the policyholder’s death—that money is yours and is not usually required to cover the insured’s remaining debts. There are exceptions, however.\r\n\r\nIf your name is listed on any existing debt, perhaps as a cosigner, or you live in a community property state, your current assets (including life insurance inheritance) may be subject to community property rules and taxes at the state level.\r\n\r\nAs of 2018, 9 states impose community property laws: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.<sup>3</sup>\r\n\r\n“Community Property” is defined under the law of each individual state. To determine if life insurance proceeds are included in your state, you should seek legal advice specific to the state laws you are subject to.\r\n<figure>\r\n\r\n[caption id=\"\" align=\"alignleft\" width=\"250\"]<img class=\"article_image\" src=\"https://e806.globelifeinsurance.com/images/article_images/community-property-states.jpg\" alt=\"Debt After Death: As a Policy Beneficiary, What Do I Have To Do? | Globe Life\" width=\"250\" height=\"158\" /> <span style=\"font-size: 8pt;\">Community Property States by Legalskeptic - Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=16037686</span>[/caption]\r\n\r\n<figcaption>Additionally, if the estate is paid as the beneficiary, the proceeds from any retirement accounts or life insurance policies would go to the estate itself versus an individual. In that case, the benefits can be used to pay any outstanding debt.<sup>2\r\n<span style=\"color: #ffffff;\">-</span>\r\n</sup>Additionally, a will can give the executor of an estate permission to cover certain obligations with the life insurance proceeds.<sup>4\r\n</sup><span style=\"color: #ffffff;\">-</span></figcaption></figure>\r\n<h4>Estate Planning</h4>\r\nPlanning ahead is one of the best choices you can make to protect your loved ones or help aging parents with estate organization.\r\n\r\nWhile life insurance beneficiaries are typically not required to use the money to pay off debts owed by the estate, things such as funeral costs may be their obligation and not that of the estate. Having a strategy in place can help provide peace of mind for those left behind.\r\n\r\nProtection against the unexpected is exactly what life insurance was designed to provide. It is imperative to have the right amount of insurance coverage that is best for you and your family.\r\n\r\nBut just as important is ensuring that the coverage you have and the designations you’ve chosen are the most suitable for any post-mortem debt and tax obligations. By having a plan in place, you can safeguard your family’s legacy and continue to have a positive influence on their futures.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. Nerdwallet. (2018, May 8). What Happens to Your Debts After You Die. Retrieved from <a href=\"https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nerdwallet.com/blog/finance/debts-after-death-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Garber, Julie. (2018, October 20). When Life Insurance Is Part of an Estate. Retrieved from <a href=\"https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/must-life-insurance-be-used-to-pay-a-decedent-s-bills-3505232</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Laurence, Bethany K. Debt and Marriage: When Do I Owe My Spouse’s Debts? Retrieved from <a href=\"https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nolo.com/legal-encyclopedia/debt-marriage-owe-spouse-debts-29572.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">4. Real Insurance. (2018, August 6). Understanding How Debt Impacts Life Insurance Payouts. Retrieved from <a href=\"https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.realinsurance.com.au/life-insurance/insurance-matters/how-debt-impacts-life-insurance</a></span></em>\r\n<div id=\"malwarebytes-root\"></div>','Debt After Death: As A Policy Beneficiary, What Do I Have To Do?','','inherit','closed','closed','','345-revision-v1','','','2023-03-19 17:36:33','2023-03-19 17:36:33','',345,'http://cmdev-site1.com/?p=389',0,'revision','',0),(390,3,'2023-03-19 17:37:18','2023-03-19 17:37:18','<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','','inherit','closed','closed','','54-revision-v1','','','2023-03-19 17:37:18','2023-03-19 17:37:18','',54,'http://cmdev-site1.com/?p=390',0,'revision','',0),(391,3,'2023-03-19 17:37:55','2023-03-19 17:37:55','<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?','','inherit','closed','closed','','57-revision-v1','','','2023-03-19 17:37:55','2023-03-19 17:37:55','',57,'http://cmdev-site1.com/?p=391',0,'revision','',0),(392,3,'2023-03-19 17:38:34','2023-03-19 17:38:34','<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?','','inherit','closed','closed','','61-revision-v1','','','2023-03-19 17:38:34','2023-03-19 17:38:34','',61,'http://cmdev-site1.com/?p=392',0,'revision','',0),(393,3,'2023-03-19 17:39:28','2023-03-19 17:39:28','<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','','inherit','closed','closed','','65-revision-v1','','','2023-03-19 17:39:28','2023-03-19 17:39:28','',65,'http://cmdev-site1.com/?p=393',0,'revision','',0),(394,3,'2023-03-19 17:40:35','2023-03-19 17:40:35','<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','','inherit','closed','closed','','68-revision-v1','','','2023-03-19 17:40:35','2023-03-19 17:40:35','',68,'http://cmdev-site1.com/?p=394',0,'revision','',0),(395,3,'2023-03-19 17:41:35','2023-03-19 17:41:35','<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?','','inherit','closed','closed','','71-revision-v1','','','2023-03-19 17:41:35','2023-03-19 17:41:35','',71,'http://cmdev-site1.com/?p=395',0,'revision','',0),(396,3,'2023-03-19 17:41:59','2023-03-19 17:41:59','<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','','inherit','closed','closed','','74-revision-v1','','','2023-03-19 17:41:59','2023-03-19 17:41:59','',74,'http://cmdev-site1.com/?p=396',0,'revision','',0),(397,3,'2023-03-19 17:42:27','2023-03-19 17:42:27','<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','','inherit','closed','closed','','77-revision-v1','','','2023-03-19 17:42:27','2023-03-19 17:42:27','',77,'http://cmdev-site1.com/?p=397',0,'revision','',0),(398,3,'2023-03-19 17:42:59','2023-03-19 17:42:59','<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','','inherit','closed','closed','','80-revision-v1','','','2023-03-19 17:42:59','2023-03-19 17:42:59','',80,'http://cmdev-site1.com/?p=398',0,'revision','',0),(400,3,'2023-03-19 17:43:54','2023-03-19 17:43:54','<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?','','inherit','closed','closed','','246-revision-v1','','','2023-03-19 17:43:54','2023-03-19 17:43:54','',246,'http://cmdev-site1.com/?p=400',0,'revision','',0),(401,3,'2023-03-19 17:44:19','2023-03-19 17:44:19','<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?','','inherit','closed','closed','','249-revision-v1','','','2023-03-19 17:44:19','2023-03-19 17:44:19','',249,'http://cmdev-site1.com/?p=401',0,'revision','',0),(403,3,'2023-03-19 17:45:42','2023-03-19 17:45:42','<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','','inherit','closed','closed','','256-revision-v1','','','2023-03-19 17:45:42','2023-03-19 17:45:42','',256,'http://cmdev-site1.com/?p=403',0,'revision','',0),(404,3,'2023-03-19 17:46:22','2023-03-19 17:46:22','<h2><span style=\"color: #ffffff;\">-</span>\r\n<strong>What is a Beneficiary?</strong></h2>\r\nIn the world of insurance, a life insurance beneficiary is the person, people, or organization receiving your death benefit in the event that you die while your policy is active.\r\n\r\nThis recipient can be a spouse, child, friend, or charity.\r\n<h2><strong>Who Can be a Beneficiary?</strong></h2>\r\nGenerally speaking, no one can tell you who your beneficiary should be. A beneficiary can be a person, charity, business, or trust. In the event the beneficiary is a person, you can choose a spouse, relative, friend, or anyone else you happen to know. You may also choose more than one beneficiary.\r\n\r\nHowever, you’ll want to pay particular attention to certain regulations if you live in a common property state like Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.\r\n\r\nIn these states, there might be insurance beneficiary rules that require your spouse to waive their rights as beneficiary before you name another person or organization as your life insurance beneficiary.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h2><strong>5 Tips for Choosing a Life Insurance Beneficiary</strong></h2>\r\nChoosing a beneficiary doesn’t have to be difficult. If you follow these five tips, you’ll be on the right track to selecting the perfect life insurance beneficiary for you.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3><strong>1. Keep the purpose of the policy in mind</strong></h3>\r\nThe reasons you have for purchasing life insurance will usually be a pretty good guide when it comes to choosing your beneficiary.\r\n\r\nFor example, if you want to protect your family, consider choosing your spouse or child. If you want to preserve your business, consider choosing your business partner.\r\n<h3><strong>2. Know your options</strong></h3>\r\nA lot of people think they can only choose a spouse or children as their beneficiary, but that isn’t entirely true. Get to know your options; you may find the right beneficiary outside your immediate circle.\r\n<h3><strong>3. Have a beneficiary backup</strong></h3>\r\nEven if your beneficiary knows they’re in your life insurance policy, you may have trouble reaching them when needed.\r\n\r\nMake sure your attorney has their information, and if your beneficiary can’t be contacted at your time of death, make sure you have a backup beneficiary ready, ensuring your death benefits go to the right place.\r\n<h3><strong>4. Keep your beneficiaries up-to-date</strong></h3>\r\nOne of the biggest oversights with life insurance policies is not keeping the beneficiaries up to date.\r\n\r\nBe sure to keep your insurance provider and attorney updated with your beneficiary’s most recent contact information and mailing address, make sure to inform your attorney and insurance provider any time it changes.\r\n<h3><strong>5. Avoid designating a minor as a beneficiary</strong></h3>\r\nYou know those state regulations we talked about earlier? They can make matters infinitely more difficult when designating a minor as a beneficiary.\r\n\r\nIn fact, some states don’t allow minors to receive the full amount of benefits from life insurance proceeds – or any proceeds at all.\r\n\r\nOne way to avoid this is by setting up a trust for your child or designating an adult to oversee the distribution of funds from the death benefit to your child.\r\n\r\nUnderstanding who can be a life insurance beneficiary and how to choose one can help make one of the most stressful aspects of your life insurance journey much easier.\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 A Life Insurance Beneficiary Be Anyone?','','inherit','closed','closed','','278-revision-v1','','','2023-03-19 17:46:22','2023-03-19 17:46:22','',278,'http://cmdev-site1.com/?p=404',0,'revision','',0),(405,3,'2023-03-19 17:46:50','2023-03-19 17:46:50','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nWhen we think of our youth, we think of all the dangerous stunts we accomplished during it—somersaults, handstands, backflips, and a few stories you don’t ever plan on telling your mother.\r\n\r\nHowever, despite the appearance of invincibility our youth provides, there is a silent threat growing in number—strokes.\r\n<h3>Are Young People Really at Risk of Having a Stroke?</h3>\r\nThe short answer is yes. Even though the overall rate of stroke is decreasing, strokes are on the rise in young and middle aged people, with “most experts considering a young stroke age to be under 45.”<sup>1</sup>\r\n\r\nWhile for most young people, the thought of having a stroke seems like an impossibility, an estimated 10% of all strokes occur in people under age 45.<sup>2</sup>\r\n\r\nAs for what causes strokes in young people, Dr. Buletko, MD at the Cleveland Clinic, states, “Illicit drug use and genetic conditions certainly account for some of the strokes we see in younger populations. Beyond that, the causes of stroke in younger adults mirror the causes in adults.”<sup>3</sup>\r\n\r\nAccording to Sanford Health Care, smoking also plays a role in strokes in young people, with high blood pressure, diabetes, and rare genetic conditions also playing a role in the risk of stroke for young people.<sup>2</sup>\r\n<h3>How Are Strokes in Young People Different?</h3>\r\nIt’s only natural to assume strokes in young people differ from strokes in older people. In fact, “Compared with strokes in older people, [a] stroke in the young is a different beast,” says S. Ausim Azizi, MD, Ph.D., a professor and the chair of neurology at Temple University Medical School in Philadelphia.<sup>1</sup>\r\n\r\nOne reason for this is due to the fact that strokes in young people can mean a “lifetime of recovery” and “loss of many productive years.”<sup>1</sup> With 15 to 30 percent of people who have had a stroke facing some sort of long-term disability, having a stroke while young can be absolutely devastating.<sup>1</sup>\r\n\r\nAnother way strokes in young people may differ is their cause. While 80 to 85 percent of all strokes at any age are caused by a clot blocking blood flow to the brain, strokes in young people can result from illicit drug use and smoking—something not nearly as common with strokes in older people.<sup>3</sup>\r\n\r\nHowever, despite some differences in severity and cause, most strokes have the same risk factors, which is why it’s paramount that young people maintain a healthy lifestyle. Some common causes for stroke (at any age) are as follows:<sup>3</sup>\r\n\r\nHigh blood pressure\r\nHigh cholesterol\r\nDiabetes\r\nSmoking\r\nObesity\r\nAbnormal heart structures\r\n<h3>Treating Strokes in Young People</h3>\r\nWhile the first line of treatment in a stroke for young people is the same as seen in older populations, stokes in young people can sometimes be harder to identify—making it more difficult for young people to seek treatment after a stroke.\r\n\r\nDr. Buletko states that a severe onset of a headache may be the first warning sign of a hemorrhagic stroke for young people, with pain characterized as “the worst headache of your life” or a “thunderclap feeling in your head” as a sign of possibly needing immediate medical attention.<sup>1</sup>\r\n\r\nOther symptoms can include vision loss, double vision, slurred speech, dizziness, or difficulty walking<sup>2</sup>—something many young people write off without there being more common stroke symptoms, such as a facial droop and weakness on one side of the body.<sup>2</sup>\r\n\r\nAll in all, strokes in young people are difficult to identify due to a lack of recognition that a stroke can happen to someone at any age. With the exception of a few additional factors causing strokes in young people, strokes in young people look the same as strokes in older populations.\r\n\r\nMaintaining a healthy lifestyle is key to possibly preventing a stroke, but there is. Unfortunately, no way to guarantee a stroke won’t happen to you. For this reason, it is recommended you familiarize yourself with stroke warning signs, which can simply be remembered by the acronym BE FAST.\r\n<h3>BE FAST stands for:</h3>\r\nBalance: A sudden loss of balance and coordination\r\nEyes: Sudden vision loss in one or both eyes and/or double vision\r\nFace: Any drooping on one side of the face\r\nArms: Sudden weakness in one arm or leg\r\nSpeech: Slurring, difficulty speaking, or difficulty understanding words\r\nTime: Quickly call 911 if you or someone you know is experiencing any of these symptoms<sup>3</sup>\r\n\r\nNo matter your age, BE FAST could save your life, so make sure to keep this acronym fresh in your memory!\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\n</span></em><em><span style=\"font-size: 8pt;\">1. Everyday Health, Think You’re Too Young for a Stroke? Think Again, 2017, <a href=\"https://www.everydayhealth.com/news/think-youre-too-young-stroke/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.everydayhealth.com/news/think-youre-too-young-stroke/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Stanford Health Care, Stroke in Young People, 2020, <a href=\"https://stanfordhealthcare.org/medical-conditions/brain-and-nerves/stroke/stroke-in-young-people.html\" target=\"_blank\" rel=\"noopener noreferrer\">https://stanfordhealthcare.org/medical-conditions/brain-and-nerves/stroke/stroke-in-young-people.html</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Cleveland Clinic, Why Are Strokes on the Rise in Younger People?, 2019, <a href=\"https://health.clevelandclinic.org/why-are-strokes-on-the-rise-in-younger-people/\" target=\"_blank\" rel=\"noopener noreferrer\">https://health.clevelandclinic.org/why-are-strokes-on-the-rise-in-younger-people/</a></span></em>','The Risk Of Having A Stroke For People Under 40','','inherit','closed','closed','','295-revision-v1','','','2023-03-19 17:46:50','2023-03-19 17:46:50','',295,'http://cmdev-site1.com/?p=405',0,'revision','',0),(406,3,'2023-03-19 17:47:16','2023-03-19 17:47:16','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nVeterans put their lives on the line, fighting to protect our way of life and rights as everyday Americans. For this reason and more, it’s paramount we serve our veterans as well as they served us, and one way to do this is through providing life insurance.\r\n\r\nLife insurance plays a pivotal role in providing financial protection for families all around the globe. For veterans, life insurance can make all the difference by providing their families with long-term financial security given the “extraordinary risks involved in military service.”<sup>1\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h3>Life Insurance Options for Veterans</h3>\r\nLife insurance is a valuable asset for many Americans, especially for veterans. So, when it comes to selecting a life insurance option, it’s important veterans be informed of their options. For veterans, there are two main options for securing life insurance. Veterans can either purchase life insurance from the public, government funded sector or in the private sector.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Servicemembers’ Group Life Insurance (SGLI)</h4>\r\nSGLI is a public life insurance option given to all military service personnel after enrolling in the military. SGLI offers military personal maximum coverage up to $400,000 and includes traumatic injury protection.<sup>2</sup> However, SGLI only lasts for 120 days after service has ended, meaning that military personnel will have to find another form of life insurance coverage in the public or private sector after SGLI has expired.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Servicemembers’ Group Disability Extension Life Insurance (SGLI - DE)</h4>\r\nUnlike other life insurance options, SGLI - DE is an extension of SGLI offered only to servicemembers rendered “totally disabled at the time of discharge.”<sup>2</sup> Those who qualify for SGLI - E may apply to keep their SGLI coverage for an additional two years after their initial service separation date.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Service - Disabled Veterans Insurance (S -DVI)</h4>\r\nS - DVI is a life insurance program provided to eligible military veterans who have received a “service-connected disability rating” from the VA.<sup>2</sup> S - DVI provides veterans with $10,000 in life insurance coverage, and veterans who qualify may also be able to apply for a premium waiver.<sup>2</sup> For veterans who qualify, they may be able to receive an additional $30,000 in life insurance coverage.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Veterans Group Life Insurance (VGLI)</h4>\r\nThe most common life insurance option for veterans is the VGLI, which is designed to help former servicemembers convert from SGLI to a “civilian program of lifetime renewable term coverage after separation from service.”<sup>1</sup> One of the main benefits of VGLI includes allowing veterans to receive up to 50% of their life insurance proceeds early if they have a life expectancy of nine months or less.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h3>Private Sector</h3>\r\nIf public life insurance isn’t fit for your situation as a US veteran or family member of a US veteran, there are other life insurance options available—namely in the private sector.\r\n\r\nThere are a number of ways to convert from the public, military provided life insurance to private life insurance, but one of the most common methods involves switching from SGLI to private health insurance immediately after SGLI expires (120 days after service has ended).<sup>2</sup>\r\n\r\nTo prevent any gaps in coverage, it’s vital that those looking to transition to private life insurance start any applications needed as soon as possible.\r\n\r\nAnother option veterans have is to transition from SGLI to VGLI, allowing veterans and their families time to explore, consider, and settle on a private life insurance policy without risking gaps in coverage.<sup>2</sup>\r\n\r\nHowever, like public life insurance, private life insurance comes in a number of different shapes and sizes. For this reason, it is recommended that veterans considering a private life insurance policy explore the different types of private life insurance options available, like term and whole life insurance.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Term Life Insurance</h4>\r\nTerm life insurance provides the insured with a predetermined death benefit and covers the insured for a set number of years.<sup>3</sup> The number of years in which the insured is under the policy is called a “term.”\r\n\r\nAfter the term of the policy, the insured will have to decide whether to renew their term life policy for another term. Annual premiums are typically offered at a fixed rate, and the death benefit only pays out if the insured dies during the designated term period.\r\n\r\nTerm life insurance is often the least expensive of life insurance available.<sup>3\r\n<span style=\"color: #ffffff;\">-</span></sup>\r\n<h4>Permanent Life Insurance</h4>\r\nPermanent life insurance provides the insured with a death benefit as well as a cash value component.<sup>3</sup> In other words, the premiums the insured pays go towards the policy while acquiring cash value, which the insured can then access to help supplement their income or make payments while they’re still alive.<sup>3</sup>\r\n\r\nPermanent life insurance is designed to cover the insured for as long as they are alive, meaning that the insured doesn’t have to worry about their policy expiring at the end of a term or needing to renew.\r\n\r\nIn closing, there are a number of different options veterans can pursue when considering a life insurance policy.\r\n\r\nHowever, what they ultimately decide should be based on what’s best for them and their own financial well-being. We suggest consulting a financial advisor to help advise you during your decision making process.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. U.S. Department of Veterans Affairs, Life Insurance, 2019, <a href=\"https://www.benefits.va.gov/insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.benefits.va.gov/insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Investopedia, Life Insurance for Veterans, 2019, <a href=\"https://www.policygenius.com/life-insurance/life-insurance-for-veterans/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.policygenius.com/life-insurance/life-insurance-for-veterans/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. Investopedia, The Best Type of Life Insurance For You Right Now, 2019, <a href=\"https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.investopedia.com/financial-edge/0312/the-best-type-of-life-insurance-for-you-right-now.aspx</a></span></em>','Beyond Active Duty: Life Insurance Options For US Veterans','','inherit','closed','closed','','306-revision-v1','','','2023-03-19 17:47:16','2023-03-19 17:47:16','',306,'http://cmdev-site1.com/?p=406',0,'revision','',0),(407,3,'2023-03-19 17:47:44','2023-03-19 17:47:44','<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<span style=\"color: #ffffff;\">-</span>\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<span style=\"color: #ffffff;\">-</span>\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<span style=\"color: #ffffff;\">-</span></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\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\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','','','2023-03-19 17:47:44','2023-03-19 17:47:44','',311,'http://cmdev-site1.com/?p=407',0,'revision','',0),(408,3,'2023-03-19 17:48:14','2023-03-19 17:48:14','<span style=\"font-size: 8pt;\">By Lucille Reed</span>\r\n\r\nHalloween is a time for costumes, treats, and make-believe scares. In preparation for the fun, however, very real safety concerns should be addressed. One of the biggest concerns during Halloween is pedestrian safety.\r\n\r\nTrick-or-treating is a lot of fun, but there are some frightening statistics when safety measures aren’t taken. According to the National Safety Council:\r\n<blockquote><em>Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year, and October ranks No. 2 in motor vehicle deaths by month.</em></blockquote>\r\nTo help your loved ones stay safe during the spooky season, we’ve compiled some helpful “tricks” below:\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h4>Trick-Or-Treat Tips</h4>\r\n<ol>\r\n 	<li>Younger kids (under age 12) should have a dependable adult with them.</li>\r\n 	<li>Only trick-or-treat in well-lit, well-known areas (like your street and/or neighborhood).</li>\r\n 	<li>NEVER enter a stranger’s home or car.</li>\r\n 	<li>Do not cross into the street except at designated crosswalks, and NEVER run.</li>\r\n 	<li>Put away electronic devices (adults and kids) and keep heads up.</li>\r\n 	<li>Drivers: pay special attention for children walking and especially those in darker clothing.</li>\r\n 	<li>A grown-up should inspect all treats before consumption for loose or torn wrappers, choking hazards, etc. When in doubt, throw it out!\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ol>\r\n<h4>Ghoulish Gear</h4>\r\n<ol>\r\n 	<li>Make sure costumes purchased or made are flame-resistant.</li>\r\n 	<li>Size is important. Avoid longer costumes and oversized shoes or heels to avoid tripping. Also, make sure the costume is roomy enough to compensate for layers if the night is cool.</li>\r\n 	<li>Especially during twilight and later hours, dark colors are hard to see. Opt for bright hues or add reflective tape or glow sticks to be more visible.</li>\r\n 	<li>Masks are scary and fun, but make it hard for YOU to see. Choose non-toxic makeup instead (but make sure to test it on a small area of skin first). The FDA has a list of approved color additives for cosmetic use (found <a href=\"https://www.fda.gov/Cosmetics/Labeling/IngredientNames/ucm109084.htm\" target=\"_blank\" rel=\"noopener noreferrer\">here</a>). If the colors are not included on the FDA list, avoid using that makeup.</li>\r\n 	<li>Without an actual prescription from an eye care professional, avoid colored contact lenses.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ol>\r\n<h4>Proper Pumpkin Procedures</h4>\r\n<ol>\r\n 	<li>Any carving should be done by a responsible adult.</li>\r\n 	<li>Smaller children should decorate pumpkins with paint, markers, or other craft items.</li>\r\n 	<li>Use flashlights, glow sticks, or battery-operated lights, as opposed to candles, to prevent a fire hazard.</li>\r\n 	<li>If using candles, make sure the pumpkin is on a sturdy, flat surface away from flammable objects such as curtains or other materials.</li>\r\n</ol>\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\n</span></em><em><span style=\"font-size: 8pt;\">National Safety Council </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.nsc.org/home-safety/tools-resources/seasonal-safety/autumn/halloween</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">US Food &amp; Drug Administration </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.fda.gov/ForConsumers/ConsumerUpdates/ucm230283.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.fda.gov/ForConsumers/ConsumerUpdates/ucm230283.htm</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">Mayo Clinic </span></em><em><span style=\"font-size: 8pt;\"><a href=\"https://www.mayoclinic.org/healthy-lifestyle/childrens-health/in-depth/halloween-safety/art-20044976\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.mayoclinic.org/healthy-lifestyle/childrens-health/in-depth/halloween-safety/art-20044976</a></span></em>\r\n\r\n&nbsp;','Halloween Safety Every Parent Should Know','','inherit','closed','closed','','315-revision-v1','','','2023-03-19 17:48:14','2023-03-19 17:48:14','',315,'http://cmdev-site1.com/?p=408',0,'revision','',0),(409,3,'2023-03-19 17:48:40','2023-03-19 17:48:40','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nBeing a grandparent is a rewarding gift, and you likely love your grandchildren as much as your own children. You may even take the same responsibilities—to ensure their future is safe and opportunistic.\r\n\r\nWith that being said, many grandparents look into life insurance, as it can provide financial protection and a legacy for their grandchildren. However, with any insurance, there comes a lot of consideration and sorting through the options.\r\n\r\nIf you’re on the fence about purchasing life insurance for your grandchildren, we’ve listed the pros and cons to help you weigh all the benefits and disadvantages.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Pros of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>High value at a low cost</strong>\r\nThe perk of buying life insurance when your grandchild is young is the value of the policy. Because young children are normally healthy and have a long future, they’re easier to insure, and premiums are typically lower. We lose insurability as we age; therefore, you could get a decent amount of coverage for less than your grandchild would pay if he or she buys coverage at an older age, such as their early 30s.</li>\r\n 	<li><strong>Steady growth in cash value</strong>\r\nIf you decide to purchase a whole life insurance policy, they typically offer cash value which accumulates for the life of the policy. This cash value could come in handy later on in your grandchild’s life should they need to use it for college or a down payment on a home.</li>\r\n 	<li><strong>Leaving a legacy</strong>\r\nDue to the hardships this generation’s grandparents endured in their lifetime, many Seniors are starting to gift life insurance to their grandchildren as a financial head start. Life insurance could act as a tool for teaching your grandchildren financial responsibility.</li>\r\n 	<li><strong>Prepared for the unthinkable</strong>\r\nFinally, a benefit of getting life insurance for your grandchildren could be the primary purpose of life insurance—to prepare for the unthinkable. In the event of your grandchild’s death, a life insurance benefit could help your children during the hardest time of their lives. Parents are often financially and emotionally unprepared for the loss of a child. Your protection can help ease the burden off the parents.\r\n<span style=\"color: #ffffff;\">-</span></li>\r\n</ul>\r\n<h3>Cons of Buying Life Insurance for Your Grandchildren</h3>\r\n<ul>\r\n 	<li><strong>Children don’t have an income</strong>\r\nOne of the primary functions of life insurance is to help financially support the family being left behind, especially if the insured is the breadwinner. Children don’t have to worry about this because they are dependent on their parents. Some may see life insurance as irrelevant in this case, though the coverage helps with more than supplementing income.</li>\r\n 	<li><strong>Final expenses may not be too much of a burden</strong>\r\nLife insurance also helps cover final expenses. If a family is financially prepared for children and has a healthy savings account, they could use their savings to pay for the funeral and burial expenses for the child.</li>\r\n 	<li><strong>Traditional usage may not be needed</strong>\r\nFortunately, the risk of child mortality is relatively low. Therefore, you may not need life insurance coverage for traditional reasons such as final expenses.</li>\r\n</ul>\r\nTo reiterate, life insurance is complex, and there are several factors to consider. Ultimately, purchasing life insurance for your grandchildren depends on your priorities and desires.\r\n\r\nAt the end of the day, you’ll be able to rest easy knowing your grandchildren are prepared for whatever their future holds with your help, even beyond the grave.\r\n\r\nBefore deciding anything, we encourage you to talk to a licensed insurance professional about purchasing life insurance for your grandchildren.\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>.','Pros And Cons Of Purchasing Life Insurance For Your Grandchildren','','inherit','closed','closed','','318-revision-v1','','','2023-03-19 17:48:40','2023-03-19 17:48:40','',318,'http://cmdev-site1.com/?p=409',0,'revision','',0),(411,3,'2023-03-19 17:49:43','2023-03-19 17:49:43','<span style=\"font-size: 8pt;\">By Stacy Williams</span>\r\n\r\nIf you want to buy life insurance, you probably already know you’re making a decision to help protect your loved ones in the event of your passing.\r\n\r\nAs you research the type and amount of life insurance that’s right for you, you may be wondering, can getting a life insurance quote affect my credit score?\r\n\r\nIn short, the answer is no. But there might be some more info you should know.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Insurer May Check Your Credit</h3>\r\nWhen you’re in the market for a life insurance policy, the insurer may look at your credit. It’s important to note most insurance companies do not use your credit score. But they might look at events on your credit report like bankruptcy.<sup>1</sup>\r\n\r\nInsurance companies may also look at your LexisNexis risk score, which lifeant.com describes as “a composite score that looks at your credit score, driving record, and more and creates an overall rating of how risky you are to insurance companies.”<sup>1</sup> The attributes used vary significantly by company.\r\n\r\nWhen a life insurance carrier checks this data, it is an inquiry known as a soft inquiry rather than a hard inquiry.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>What is a Soft Inquiry?</h3>\r\nA soft inquiry is when your credit report is checked, but your credit score is not impacted because the inquiry is not related to a specific application for credit.<sup>2</sup>\r\n\r\nA soft inquiry may happen when you check your own credit, a company checks your credit to determine if you’re qualified for preapproval offers, or a current creditor checks your credit, to name a few examples.\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Life Insurance Companies Make Soft Inquiries</h3>\r\nA life insurance company checking your credit is also considered a soft inquiry. Therefore, it does not affect your credit score.<sup>2</sup> So when you’re in the process of researching or buying life insurance, the impact on your credit score (or lack thereof) isn’t something to agonize over.\r\n\r\nIt’s worth noting your credit history may have an impact on your life insurance rates.<sup>1</sup> Again, the credit data life insurers access varies by company, and each state views this information differently.\\\r\n\r\nAlso, your credit history is just one of many factors that your insurer will consider when determining your life insurance premium rates.\r\n\r\nState insurance regulators are beginning to monitor the impact of credit-based information on consumers.<sup>3</sup>\r\n\r\nIf you have any questions about your credit, contact a financial advisor. For 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\n</span></em><em><span style=\"font-size: 8pt;\">1. Life Ant, Do You Need Good Credit to Buy Life Insurance?, 2020, <a href=\"https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.lifeant.com/faq/do-you-need-good-credit-to-buy-life-insurance/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Experian, What is a Soft Inquiry?, 2019, <a href=\"https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.experian.com/blogs/ask-experian/what-is-a-soft-inquiry/</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">3. NAIC, Credit-Based Insurance Scores, 2021, <a href=\"https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm\" target=\"_blank\" rel=\"noopener noreferrer\">https://content.naic.org/cipr_topics/topic_creditbased_insurance_scores.htm</a></span></em>','Can Getting A Life Insurance Quote Affect My Credit Score?','','inherit','closed','closed','','324-revision-v1','','','2023-03-19 17:49:43','2023-03-19 17:49:43','',324,'http://cmdev-site1.com/?p=411',0,'revision','',0),(412,3,'2023-03-19 17:50:06','2023-03-19 17:50:06','<span style=\"font-size: 8pt;\">By Mike Elman</span>\r\n\r\nWithout a doubt, life insurance is designed to help protect you and your family, making it a vital piece of your financial planning.\r\n\r\nWith life insurance evolving over the years to provide different tiers of coverage to fit an evolving set of needs, life insurance is well worth considering no matter where you are in life.\r\n\r\nIn fact, one of the main reasons people consider a life insurance purchase is due to a mortgage payment.<sup>1</sup> But is life insurance really all that important when considering purchasing a house and making mortgage payments?\r\n<span style=\"color: #ffffff;\">-</span>\r\n<h3>Why You Should Consider Life Insurance If You’re Looking to Buy a Home</h3>\r\nWhile having life insurance isn’t strictly a necessity when purchasing a home, that doesn’t mean it isn’t a good thing to have. Here are a few reasons to consider a life insurance purchase before buying a home:\r\n<ul>\r\n 	<li>A mortgage is most likely the biggest bill your family will have. Buying a life insurance policy that would cover your mortgage debt can help protect your interest and prevent you from having to buy additional mortgage insurance when you buy your first home.<sup>1</sup></li>\r\n 	<li>If you are the sole or primary breadwinner in your home, there is a chance that your family would not be able to continue making mortgage payments in the event of your death. A life insurance policy has the potential to provide financial security to your family in the event of your death by allowing them the possibility to keep making mortgage payments after you die.<sup>2</sup></li>\r\n 	<li>Having life insurance in place when buying a home may sway a lender to rate your application more highly. The same may apply to landlords when seeking a buy-to-let mortgage.<sup>2\r\n<span style=\"color: #ffffff;\">-</span></sup></li>\r\n</ul>\r\nWhile life insurance isn’t a necessity when buying a home, having a life insurance policy in place before proceeding with a house purchase has its share of benefits.\r\n\r\nIn some cases, having life insurance may help a lender rate your mortgage application more highly and give your family the financial security they need to continue living in their home long after your death.<sup>2</sup>\r\n\r\nThere are a number of life insurance options available, so it’s important to speak with a financial advisor or licensed insurance agent to help you decide which life insurance policy is best for you.\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\n</span></em><em><span style=\"font-size: 8pt;\">1. The Balance, Who Needs Life Insurance? 10 Ways You Can Use Life Insurance, 2019, <a href=\"https://www.thebalance.com/who-needs-life-insurance-2645793\" target=\"_blank\" rel=\"noopener noreferrer\">https://www.thebalance.com/who-needs-life-insurance-2645793</a>\r\n</span></em><em><span style=\"font-size: 8pt;\">2. Money to the Masses, Do you need life insurance to get a mortgage?, 2019, <a href=\"https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage\" target=\"_blank\" rel=\"noopener noreferrer\">https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance-to-get-a-mortgage</a></span></em>','Why Is Life Insurance Important For Someone Getting A Mortgage?','','inherit','closed','closed','','327-revision-v1','','','2023-03-19 17:50:06','2023-03-19 17:50:06','',327,'http://cmdev-site1.com/?p=412',0,'revision','',0),