Life Insurance for College Students: Why All Undergraduates Should Invest in a Policy


image of a group of college students walking together on campus — life insurance for college studentsClasses are officially in session, which means at this exact moment, students from coast to coast have their heads buried in books, essays and exams whilst on the pursuit toward intellectual enlightenment.

And as assignments and responsibilities begin to pile up, there’s little time for students to think about anything other than their studies. Unfortunately, the swift current of life stops for no one, and the risk of catastrophe is a very real possibility. Are you protected?

Here are three reasons why life insurance for college students is a necessary investment…

1. Reconcile Student Loans

Student loans are one of the few forms of debt that’s particularly difficult to get rid of, even if the loanee files for bankruptcy. Fortunately, if a student passes away before he/she can satisfy his/her debt, the U.S. Department of Education will render the remaining balance null and void; the same cannot be said for personal or private loans taken out from a financial institution. For students who had to pursue additional financial avenues to pay off college, a life insurance policy may help to ensure all remaining debts can be paid off if the student passes away.

2. Support a Family

College isn’t just for those who are fresh out of high school; there are many college students who are married and/or have children. In addition to leaving these individuals their debt upon passing, a family that is suddenly missing one of their patriarchal members will be forced to make ends meet without the financial, emotional and parental support the deceased once provided. A life insurance policy can help to fund some of the struggles that this void will inevitably create.

3. Support Other Dependents

Although we often think of parents as being the rock of stability for a young college student, this isn’t always true. In many cases, a parent’s health may be fragile enough that he/she must depend on his/her child for living assistance. Without a life insurance policy in place to fund the parent’s lifestyle if the child passes away, the parent may find it difficult to pay for care, in addition to having to bury his/her child.

Start Your Life Insurance Journey Today

Do you have questions about how to invest in the right life insurance policy for yourself or a member of your family? Our team of experts is ready to help!

The Mutual Fund Store Life Insurance – Financial Engines specializes in pairing our clients with the most appropriate policy for their price range and geographical region. In this way, you can rest assured knowing that you always receive the best life insurance plan for you. Get started with a free consultation today!

 

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Term Life Insurance products offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors L.L.C. (FEA), in states where licensed. TMFS Insurance Agency LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.

 

Turning 30? Now May Be the Best Time to Buy Life Insurance.


image of a two adults with their daughterIt finally happened. Despite all attempts to stop the natural passing of time, you have officially hit the next age milestone in your life, and there’s no turning back.

You’re 30 … and that’s okay.

For many, this can be a time of exciting possibilities. For some, it’s when life really starts to hit its stride. All the hard work you’ve put in over the last three decades could start to come together and the future may look brighter.

So, with the best parts of your life potentially still left ahead of you, why is now a good time to buy life insurance?

Many Potential Milestones In Your 30s.

The third decade of a person’s life is filled with numerous, impactful developments that can provide the foundation for what may become the rest of a person’s life.

Many people begin to tap into their full professional potential during their 30s. This decade is also a common time to get married. Major purchases, such as a new car or a first home, could be made. Children may be born – and those children will begin school and embark on a milestone journey of their own.

So much happens during this exciting chapter of life.

Now imagine if you – your physical presence, your emotional support, and your income – were suddenly taken out of the equation. How would your family continue without you? How would they cope? How would the bills get paid? How would they survive?

If you haven’t arranged for your family to carry on if you’re suddenly unable to be present, there’s no time like the present to start planning.

Why 30 May Be the Best Time to Buy Life Insurance.

Despite how busy you may be with the milestones listed above, there are several reasons why it can be useful to carve out time to explore a life insurance policy in your 30s.

1. You’re in Good Health

If you’re in your 30s, you’re likely still reaping the physical benefits of youth. If you are one of these lucky 30-somethings, you may be more likely to ace your life insurance medical examination, which means your monthly life insurance rates will be lower for the foreseeable future.

2. Protect Your Family

You are not alone if your family is the most important aspect of your life. As we discussed above, knowing your spouse, children and even your pets are taken care of if you pass away is important. Don’t rely on your savings alone to cover costs if you pass away. A life insurance policy is what your family deserves.

3. Protect Your Investments

People say that the only things certain in life are death and taxes, and unfortunately, once you pass away, the taxes you owe don’t disappear. That beautiful home and expensive car you purchased – if not already paid off – can haunt your family’s finances for decades to come if they don’t have a way to relieve your debt. A life insurance policy helps to keep your spouse from fronting a bill he/she may not be able to afford.

Buy Life Insurance Today.

Life is fleeting – It’s impossible to know when your time here is up. But as long as you’re alive, you have a chance to help protect your loved ones from financial struggles once you’re gone.

The team at The Mutual Fund Store Life Insurance is ready to answer your questions and help pair you with the right life insurance policy for your needs.

Reach out today for your complimentary consultation.

 

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Term Life Insurance products offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.

 

Top Three Inherent Risks of Refusing to Buy Life Insurance


image of a deceased person with an "uninsured" toe tagTo anyone who has been visiting our website over these many fantastic years, you have undoubtedly learned about the abundant reasons you should invest in a life insurance policy.

So by now, you have already consulted with our team to find the best life insurance policy for you, right? Right?

If you have, great! You’ve taken a very valuable step to ensure the financial security of your loved ones if something bad happens to you. If you haven’t, however, why? What are your reservations? Do these apprehensions outweigh the benefits?

To help you make a final decision as to whether a life insurance policy is right for you or not, we’re diving into the top three inherent risks that come along with refusing to buy life insurance. Let’s get started…

Risks of Refusing to Buy Life Insurance

1. You Miss Out on Benefits That Greatly Outweigh the Cost

Here at The Mutual Fund Store Life Insurance – Financial Engines, Term Life Insurance is easily our favorite insurance option to recommend. Why? Because its flexible, efficient, and above all else, it’s affordable. Term Life Insurance is designed to fulfill your specific needs – nothing more and nothing less, making it the best policy for your life and your wallet.

2.You Miss Out on Partaking in Benefits While You’re Still Alive

You wouldn’t be off base if you believed life insurance was only useful if you were no longer on this earth; this is its main purpose, after all. That said, life insurance can also provide some benefits to you while you’re still living. Unlike Term Life Insurance policies, Whole Life Insurance exists to do exactly as the name implies – protect you your entire life. Although this policy usually comes with higher premiums, Whole Life Insurance policies have the power to accumulate cash value on a tax-deferred basis.

3. What About Your Family?

Sure, the conversation always comes back to this specific topic, but it may be the single most important risk of refusing to buy life insurance: What happens to your family if you pass away and haven’t invested in a policy to take care of them? Can they afford your funeral? Can they pay the bills? Are the cars at risk of being repossessed, or is the house in danger of foreclosure?

It’s a nightmare scenario, but unfortunately, it’s a very real possibility for families who cannot stay financially afloat once a loved one has died.

Invest in a Life Insurance Policy Today

If you have refused to buy a life insurance policy up until now, don’t hesitate any longer. Life insurance is more attainable than you think. Reach out to our team for a free consultation, and we’ll find the perfect policy for you that fits your needs, budget and offers your family the peace of mind it deserves.

 

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Term Life Insurance products offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors, L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.

The Importance of Life Insurance for Expecting Mothers


 ​life insurance for expecting mothersWhen it comes to starting a family, there are many things that may be running through any expectant mother’s mind: the unborn baby’s health, furnishing a nursery, buying necessary items, such as clothing, diapers and baby wipes.

Something that may not be on a mother’s mind, however, is life insurance, yet, a good policy may be the single most important investment a mother could make.

This week, we’re discussing the importance of life insurance for expecting mothers. Let’s begin…

Life Insurance for Expecting Mothers

Motherhood is undoubtedly an exciting time in a woman’s life. For mothers everywhere – whether you’re a single mom or you have a spouse/partner to join you – embarking on this next chapter with a brand new baby can be both intimidating and exhilarating. You want to know that your little one is always taken care of, even in the face of disaster — part of doing so involves purchasing a life insurance policy that’s hefty enough to take care of the expenses of raising a child. This includes having the funds to pay for food, clothing, shelter and education, just to name a few.

That said, your absence is about more than making sure your child is taken care of.

Life Insurance for Mothers + a Spouse/Partner

If you’re leaving behind a spouse or partner, he/she will need funds to ensure your funeral costs are covered, along with the additional money required to make up for any income you brought to your household. Finally, your spouse/partner may need grief counseling to help him/her manage the emotional stress of raising a child as a widow – an expense that life insurance can help manage.

Life Insurance for Single Mothers

If you’re a single mother, financing your baby’s upbringing may be your main priority, but you may also want to consider how your life insurance policy can support your child’s guardian – be it a relative, friend or adoptive parents. This way, you can ensure your child and his/her new family is well off enough to enjoy the sweeter things in life with your little one, like family vacations, extravagant birthday celebrations and more.

Facts About Life Insurance for Expecting Mothers

Unfortunately, being an expecting mother who wants to invest in a life insurance plan isn’t as cut and dry as it may sound. Consider these facts before you pursue a policy of your own.

  • Pregnant women can only purchase life insurance during the first two trimesters of her pregnancy.

  • Complications caused by pregnancy, such as gestational diabetes or preeclampsia, may raise your policy rates.

  • If a pregnant woman is denied life insurance due to any pre-existing or arising medical conditions, her spouse/partner can take a life insurance policy out on him-/herself for his/her family instead.

Start Your Journey Today

Investing in a life insurance policy is about hoping for the best in life but preparing for the worst – putting a contingency plan in place to ensure your burgeoning family is taken care of if the unspeakable happens.

If you have any questions about investing in a life insurance policy, or if you’re ready to start the policy process, reach out to us for guidance. Our team is available to ensure you receive the best rates for your budget and situation.

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Five Questions to Ask Yourself When Conducting a Mid-Year Life Insurance Audit


Business woman conducting life insurance auditJust as swiftly as it began, this year is already halfway over. And as we head into the thick of summer, now is a good time to reflect on the first half of 2017 by making a note of any changes that could affect your life insurance needs.

To help make sure your policy is still working for you, conduct your own life insurance audit by asking yourself these five questions:

1. Has my employment status changed?

Even though the unemployment rate has largely decreased over the last several years, there are still unfortunate circumstances that could leave you or a spouse/partner unemployed. Regardless of the situation, an unemployed family member may mean that you want to shop for a cheaper, less comprehensive life insurance policy, at least until your family’s earnings balances back out.

2. Have I received a raise or promotion?

You don’t have to lose your job in order to be affected by your employment. A raise or promotion can also impact your life insurance policy. If you were recently told that you will be earning more money, consider directing some of that toward your life insurance policy.

3. Have there been any changes to my family?

Changes relating to your family structure may alter your life insurance needs. For instance, if you recently became married or brought a new child into the world, you should think about increasing the amount on your life insurance policy to help protect your loved ones. On the flip side, if you recently became divorced, you may wish to decrease the amount on your life insurance policy.

4. Is there a more affordable plan that meets my needs?

The Mutual Fund Store Life Insurance specializes in matching the best life insurance policies with your budget. Since policies are continuously changing, your current plan may no longer be the best option for your needs.

5. What happens next?

If you have been affected by any of the aforementioned events, it is critical that you evaluate your life insurance policy to meet these circumstances. The Mutual Fund Store Life Insurance is here to help you navigate any policy adjustments that must be made.
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Three Dangers of Living a Sedentary Lifestyle (and How to Break the Sitting Cycle)


image of a man sitting down with his laptopIn the age of digital connectivity, stationary work computers and endless movie streaming services like Netflix, it is now easier than ever for the average American to function – and even get things done – with minimal physical effort. In fact, according to the Centers for Disease Control and Prevention, nearly half of Americans, age 18 and older, fail to meet the government’s Physical Activity Guidelines for aerobic physical activity.1 As a result, the absence of exercise hasn’t just become a health risk for today’s society; it’s a widespread epidemic that must be addressed.

Thus today, we’re discussing the medical dangers of living a sedentary lifestyle and what you can do to break the sitting cycle and take control of your health.

Top Three Dangers of Living a Sedentary Lifestyle

1. Excess Weight

Possibly the most obvious medical threat of sitting for too many hours, day after day, is the result of accumulating unwanted pounds. To understand how this phenomenon occurs, one must only keep in mind the basic principle of calorie intake versus calorie output:

When the body is unable to burn off the thousands of calories it consumes at mealtime each day, those extra calories become stored in the body as fat cells. While this process may not be detrimental to the body if calorie input exceeds calorie output for only days at a time, repeated absence of physical activity can wreak havoc on an individual’s body mass index.

2. Widespread Pain

Consider the core structure of the human body for a moment: our bones – everything from our fingers to our arms and even our ribs – all route inward so that they can be joined together and supported by the spine. Without this critical pillar of stability, a human being would not be able to sit up straight, much less stand!

Unfortunately, sitting for prolonged hours each day is not a spine-friendly activity. For instance, when you work at your computer desk or hang out on the couch, your mind begins to relax. As your brain wanders away from whatever task you have instructed it to focus on, your body’s posture begins to weaken;2 you start to slouch, inevitably curling your spine into an unnatural position in the process. If this position is maintained for too long, the added pressure of compressing your spine may seep into your other extremities, leading to chronic back pain, neck pain and even headaches.

3. Devastating Diseases

Have you ever heard that “sitting is the new smoking?” How about, “sitting is like a cancer?” Unfortunately, these phrases are not exaggerations.

According to a recent study conducted by the Mayo Clinic, an absence of physical activity increases the risk of death from heart attack, cardiovascular disease and cancer by as much as 125 percent!3 Even more alarming, the same study found that enduring several hours of fierce activity, in addition to prolonged bouts of sitting, did not offset the risks associated with sedentarism.

How to Break Your Sedentary Life Cycle

So if adding physical activity to a mostly sedentary lifestyle is not effective enough to reduce the dangers of sitting too much, what can be done to improve your overall health?

The answer: be more active throughout your day, every day.

The key to eliminating the dangers of living a sedentary lifestyle is to be more conscious about how much or how little you move over the course of 24 hours. To help measure your fitness level and identify opportunities to increase activity, consider investing in a fitness tracker. Many of today’s leading trackers offer an array of features to help you get a better understanding of your overall health – such as steps taken, calories burned, exercise logged and quality of sleep – and even encourage you to move more throughout the day with hourly move reminders.

For more tips on how to lead a more active lifestyle, check out our Fitness Fiends mini blog series here.4

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SOURCES

1 National Center for Health Statistics: Exercise or Physical Activity. Centers for Disease Control and Prevention. Published January 20, 2017, from https://www.cdc.gov/nchs/fastats/exercise.htm

2 What happens to your body when you sit for too long? Lifehack. Published March 20, 2016, from http://www.lifehack.org/376343/what-happens-your-body-when-you-sit-for-too-long

3 What are the risks of sitting too much? Mayo Clinic. Published September 4, 2015, from http://www.mayoclinic.org/healthy-lifestyle/adult-health/expert-answers/sitting/faq-20058005

4 Fitness Fiends. The Mutual Fund Store Life Insurance. Retrieved April 27, 2017 from http://www.lowcostlifeinsurance.com/blog/tag/fitness-fiends/

Term Life Insurance products offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors, L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.

How to Quit Caffeine (and Lessen Withdrawal Symptoms) in Three Steps


image of a tired woman in front of a cup of coffee — how to quit caffeineCaffeine is the lifeblood of many adults – in fact, according to the Food and Drug Administration, 80% of Americans consume caffeinated beverages every day.1 With major coffee chains, soft drink conglomerates and energy drink manufacturers continuously pushing the benefits of a caffeine boost in a can, it’s no wonder that four out of five Americans require a caffeine kick in order to start their day.

Unfortunately, caffeine contains many hidden dangers that are rarely acknowledged but are important to understand. Once you’re aware of these dangers, you may be interested in reducing or maybe even eliminating your caffeine consumption. Join us as we discuss how to quit caffeine safely and effectively.

What is caffeine exactly?

First and foremost, it’s important to understand caffeine for exactly what it is: a stimulative drug.2 And like many drugs, it comes with a list of short-term and long-term side effects. Also, like many drugs, quitting caffeine isn’t as simple as choosing to not drink it anymore, thanks to its addictive properties.

Symptoms of caffeine withdrawal

For consumers who have a solitary cup of caffeine every now and then, caffeine withdrawal will likely not be an issue. For those who have relied on this drug for an extended period of time, however, there are some symptoms you may experience if and when you choose to eliminate your caffeine intake: headaches, fatigue, lack of concentration, irritability, nausea/vomiting, anxiety/depression, dizziness and even heart rhythm abnormalities.3

As you can see from this shortlist of symptoms, caffeine withdrawal can be harsh on the body, but these side effects are necessary to endure if you want to escape the hidden dangers of caffeine consumption.2

How to quit caffeine safely and effectively

Now that we’ve discussed the power caffeine holds over the body and some of the sensations you may feel if or when you decide to kick the habit, here are some tips to help you lessen your withdrawal symptoms and take control of your body once again.

1) Wean off caffeine

Depending on the amount of caffeine you typically rely on each day, quitting cold turkey may not be the best option for you. Instead, reduce the effects of withdrawal by gradually decreasing the amount of caffeine you consume over the course of several months. This way, your body doesn’t feel the immediate shock of caffeine missing from your bloodstream.

2) Add supplements

Just because you are eliminating caffeine from your body doesn’t mean you can’t use less-addictive supplements to weaken the effects of withdrawal. For instance, you can take pain relievers to manage headaches. There are also many over-the-counter medications that can treat nausea, dizziness and anxiety/depression. Before pursuing any of these medications, however, it is important that you check with your doctor first.

3) Take care of your body

Removing an addictive drug like caffeine from your system can be stressful on your body. As a result, it is imperative that you take care of yourself as you navigate this detoxing process. That means ensuring you eat well, drink enough water and sleep at least eight hours each night. By taking care of yourself, you can help make sure that your body has the energy it needs to heal from the difficulties that can accompany caffeine withdrawal.

Ditching caffeine can lower your life insurance rate

Although the journey to caffeine elimination may not be easy – but depending on how much of the drug you currently consume, clearing caffeine from your body can have many beneficial effects, such as lowering your stress levels, decreasing your blood pressure, waking up feeling energized and more. By facilitating a healthier version of yourself, you may even be able to lower the rate on your life insurance policy — a win for both you and your wallet!

 

1 Medicines in my Home: Caffeine and Your Body. U.S. Food and Drug Administration. Retrieved March 20, 2017, from https://www.fda.gov/downloads/drugs/resourcesforyou/consumers/buyingusingmedicinesafely/understandingover-the-countermedicines/ucm200805.pdf

2 (27 October 2016). 10 Interesting Facts About Caffeine. Live Science. Retrieved March 20, 2017, from http://www.livescience.com/56603-interesting-facts-about-caffeine.html

3 Caffeine Withdrawal Symptoms: Top Fifteen. Caffeine Informer. Retrieved March 20, 2017, from https://www.caffeineinformer.com/caffeine-withdrawal-symptoms-top-ten

Term Life Insurance products offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors, L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.

Five Hidden Dangers of Caffeine Consumption


Cup of coffee. dangers of caffeine To many Americans, both hard-working employees and students alike, caffeine isn’t just the best way to wake up in the morning; it’s vital to functioning throughout the day. Coffee, tea, energy drinks, cola — caffeine consumers aren’t picky, just as long as they get their quick fix of energy. Maybe you even started today with one of these beverages.

Over the years, caffeine has become a morning tradition – and to many, a necessity. But when was the last time you stopped to consider how your dependency on caffeinated beverages affects your health, both short-term and long-term? The next time you reach for another helping of your favorite energy-infused beverage, keep these hidden dangers of caffeine in mind.

What is caffeine?

Before we discuss the inherent dangers of caffeine, we must first understand what caffeine is (other than that chemical that wakes us up). In its most basic form, caffeine is a stimulant that is naturally found in coffee, tea and cacao plants.1

Short-Term Dangers of Caffeine

Just about every caffeine drinker is familiar with the short-term effects of this drug: an elevated heart rate, a rush of energy and a heightened level of focus. Unfortunately, however, caffeine isn’t beneficial in all use cases.

For instance, drinking caffeine too late in the evening can keep the consumer awake at night, resulting in decreased quality of sleep. In this case, the consumer may wake up in the morning with less energy than he/she would have received from a caffeine-free night, which in turn often causes the consumer to grab even more caffeine in order to start his/her day.

Long-Term Dangers of Caffeine

Most consumers who enjoy the daily benefits of caffeine seldom consider the effects their favorite uplifting drink has on their bodies throughout the many years of consumption; they’re just concerned about staying awake. Nevertheless, the long-term dangers of caffeine are very real:

1) Decreased Mortality in Men

Possibly the most alarming static on this list, men who down a minimum of four eight-ounce cups of coffee each day are 21% more likely to die before men who do not consume similar amounts of caffeine.2

2) Reduction in Fertility in Women

Women who consume large amounts of caffeine are 27% less likely to become pregnant than women who do not drink caffeine.2

3) Heightened Risk of Heart Attack

Young adults who drink caffeine are three to four times more likely to develop mild hypertension and even suffer from a heart attack.2

4) Increase in Anxiety and Depression

Consumers who rely on heavy amounts of caffeine are more likely to develop depression and anxiety-related conditions over time.2

5) Caffeine Overdose

While rare, consumers who ingest more caffeine than their bodies can reasonably manage have a higher risk of experiencing adverse affects, including caffeine allergies and even death.2

How to Reduce or Eliminate Your Caffeine Consumption

Considering these short-term and short-term dangers of caffeine, you may be wondering how you can reduce or even eliminate your reliance on caffeine. Since caffeine is a real, addictive substance, weaning your body off of it will take some time.

Join us on our blog next month as we explain how you can safely free yourself of caffeine dependence. Until then, consume responsibly, friends.

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SITE SOURCES

1 (2016 May). What is Caffeine, and is it Good or Bad For Health? Authority Nutrition. Retrieved February 23, 2017, from https://authoritynutrition.com/what-is-caffeine/.

2 (2017 February). 20 Harmful Effects of Caffeine. Caffeine Informer. Retrieved February 23, 2017, from http://www.caffeineinformer.com/harmful-effects-of-caffeine

Movie Review: Term Life


movie poster for the film, "Term Life," featuring a father looking to take care of his daughter with a term life insurance policy before his life comes to a screeching halt

Photo Credit: IMDB

It’s not every day that a movie is created about the industry you work in – which is why it was exciting when a film aptly titled Term Life was released earlier this year. Featuring a range of familiar faces including comedic icon Vince Vaughn (Nick Barrow), drama veteran Bill Paxton (Joe Keenan,) and rising star Hailee Steinfeld (Cate Barrow) the cast was entwined in a battle of life, death, betrayal and the pursuit of the truth throughout the film.

Plot

“A guy wanted around town by various hit men hopes to stay alive long enough for his life insurance policy to kick in and pay out for his estranged daughter.” — IMDB

The film begins by diving directly into Nick Barrow’s heist-planning business. In Nick’s mind, there is a three-person process to getting a job done:

  1. “Bottom Feeders” find potential jobs that are handed to a “Designer.”
  2. A “Designer” – the role Nick plays – makes the criminal job doable. He plans the timeline, acquires any necessary access information and ensures that the job can be carried out as smoothly as possible.
  3. The “Buyer” essentially purchases the job from a Designer and executes the plan. The Buyers are considered the risk-takers of the operation, but they also stand to make the most money if the job is a success.

Through Nick’s interior monologue, we learn that he has a daughter, Cate, who he loves from afar. Nick believes he is protecting her from his business decisions by staying out of her life; and this theory remains mostly true until Nick’s latest job goes awry.

When the son of a cartel leader, Viktor, is killed by crooked detective, Joe Keanan, Nick’s life is placed into immediate danger. Viktor begins to pursue Nick, believing that it was he who orchestrated his son’s death following a heist.

With a cartel lord hot on his tail, Nick decides to make sure Cate would be taken care of in the event that Viktor catches up to him. Nick files for a term life insurance policy with Cate’s name listed as the sole beneficiary. Unfortunately, it is this same term life insurance policy that exposes Cate’s existence to Nick’s enemies.

The pace of the movie kicks into high gear as Nick races to keep himself and his estranged daughter out of the hands of all who threaten their lives, including Viktor, Detective Keanan and an array of other burgeoning adversaries.

Spoiler Alert: The End

By the end of Term Life, Nick and Cate are able to work through the 16 lost years between them, ultimately leading Cate to save her father’s life by striking a deal with those who originally sought to kill them.

It is in the last ten minutes of the film that Nick receives a “better payout” than he would have received from his term life insurance policy: He gets to keep his life, spend more time with his daughter and his name is cleared of all charges framing him for two murders he did not commit.

Final Thoughts

While Term Life may not win an Oscar in February, the film does highlight the lengths a father will go to protect his child, such as investing in a term life insurance policy to ensure his daughter is financially taken care of once his questionable career has caught up with him.

To learn more about how you can financially protect your family from a life-ending event, read our official Term Life Insurance page.

 

Term Life Insurance products offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors, L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.

Top Five Health Benefits of Owning a Pet


image of a man with his pet dog — benefits of owning a petCompanionship is a necessary aspect of life; humans crave it! Unfortunately, having a person to spend active time with, hash our problems out to, or binge-watch a series on Netflix with isn’t always attainable. Instead, enter man’s (and woman’s, respectively) best friend — a furry friend!

Here are the top five health benefits of owning a pet.

1. Reduce Stress

According to a study conducted by Hypertension back in 20011, individuals with high blood pressure who became pet owners were able to reduce their blood pressure without taking any medications. The same study suggested that pet owners who suffered a heart attack were more likely to live longer, due to the companionship their pet offered.

2. Promote An Active Lifestyle

Pets can keep us active, if we allow them to. According to PetMD, the average dog should be physically active between 30-120 minutes each day. For many owners, that means being active alongside their favorite furry friend. For the benefit of your health, as well as your pet’s, consider trying out some pet-friendly exercises, such as running, rollerblading, playing fetch or even getting in a yoga session.

3. Teach Owners How To Love

Any pet owner knows what unconditional love looks like; our pets offer this to us every day! Consider the way a dog greets its owner at the door: excessive panting, tail wagging and a burst of energy that would make any owner believe his/her pet has been waiting all day just for him/her to return home. This never-ending display of love from our pets inadvertently teaches owners how to treat their pets with the same admiration and love they receive.

4. Proponents of Mental Health

Truthfully, pets may not realize the affect they have on their owners. Nevertheless, studies have confirmed that owners who suffer from depression and/or anxiety are able to cope with their symptoms better than similar patients who do not own pets. Some patients may even be able to eliminate these symptoms altogether.

5. Pets Can Save Lives

While this is not a skill all pets possess, specialized domestic animals can detect illnesses and diseases in humans. For instance, service dogs have been trained to determine when a diabetic’s blood sugar has dropped below reasonable levels or if an epileptic patient is about to experience a seizure2.

The Strength of Pet Companionship

At the end of the day, the unconditional love a pet offers to its owner compares to nothing else on this earth. From the moment a pet bonds with its caretakers, an unbreakable relationship is forged. Oftentimes, this connection will remain for as long as the pet will live. For the human on the other side of that relationship, however, the attachment may transcend the pet’s lifespan, leaving its owner with loving memories that can last for ages.

 

1 Hypertension, Pet Ownership, but Not ACE Inhibitor Therapy, Blunts Home Blood Pressure Responses to Mental Stress, October, 1, 2001

2 National Geographic News, Seizure-Alert Dogs Save Humans With Early Warning Signs, February, 11, 2004

 

Term Life Insurance products offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors, L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.