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IntelliQuote Insurance Services, LLC
64 followers -
Intelligent decisions for Life.™
Intelligent decisions for Life.™

64 followers
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IntelliQuote Insurance Services, LLC's posts

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What do life insurance and love have in common? The two are more related than you might think. Many consumers view life insurance as an optional financial tool that you add to your budget only if it fits. The reality is that a life insurance policy is an essential component of your family's financial plan, one that demonstrates your never-ending love.

Demonstrate Your Love With a Life Insurance Policy

When you love someone, you think kind thoughts about them but you also show that love through your actions. Whether it be helping with a chore, listening, or buying flowers on a special day, we do things both great and small to show we care.

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http://hubs.ly/H069q5z0

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If you've made the wise choice to purchase a life insurance policy, you're doing the best possible thing to protect your family's financial future. Life insurance provides many benefits, among them a provision of financial resources for your dependents after you die.

When you purchase a life insurance policy, you want to make sure that you get the best value. The issuing company also wants to ensure that you're reasonably healthy and being truthful on your policy application. For both of these reasons, the policy issuer will ask that you undergo a life insurance exam before they issue your policy.

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Life Insurance Exam? Here's What You Need to Know http://hubs.ly/H067Xw_0

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Priorities? 80% say their family is most important, and yet only 55% have life insurance. http://hubs.ly/H067NMt0
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Spending less than you make sounds like a simple financial goal, but it can be a challenge for many families. Achieving this goal can allow you to stay out of debt, invest for retirement, and save money for emergencies. In essence, this can be a ticket to financial freedom.

A recent Federal Reserve Board study found that nearly half of respondents wouldn't be able to cover a hypothetical $400 emergency without borrowing money. Some aren't able to meet this goal due to a lack of income, but in many cases, the problem is overspending. When overspending is an issue, some simple budgeting tools can help you see where your money comes from and where it's going.

Here are just six budgeting tips to move you closer towards the goal of financial freedom.

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6 Budgeting Tips You Can Use Now http://hubs.ly/H064rqJ0

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Most of us like a good surprise, like a fancy dinner or a nice anniversary gift. Unfortunately, not all of life's surprises are pleasant. It's the unexpected job losses, health scares, and even family deaths that send shock waves through our system, making us wonder what we did to deserve such punishment. Here are some tips to deal with tough situations, how the death of a loved one can impact your life, and the ways that an insurance policy can help.

Getting Through Tough Situations

Some unexpected situations are more serious than others. How we handle life and what it throws our way has more to do with personality than the problems themselves. An eight-decade study, called The Longevity Project, has found that the happiest and healthiest people have close relationships, are physically active, and help others. These are things that you can continue to do in the midst of difficult situations to help with stress and even grief.

Other ways to handle tough situations include finding acceptance of what has happened, looking for any life lessons involved, and trying to view the situation realistically instead of emotionally. This can be particularly difficult in the case of a death where there wasn't proper planning.

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Preparation & Planning Can Make the Worst Situations More Bearable http://hubs.ly/H0636R60

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Many of us see buying life insurance and most types of financial planning as complicated endeavors. Not only does it seem complex, but it's also just not fun to think about the possibility of ever needing a life insurance policy. Life insurance is important, though, to protect your loved ones in case something unforeseen does happen. Many of us avoid the decision to protect our families, but IntelliQuote can simplify the process of buying a life insurance policy.

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Use the IntelliQuote Process to Simplify Life Insurance Decisions http://hubs.ly/H05Zr2N0

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If there's one thing in life that's certain, it's that plans often change. Your idea of a perfect vacation could go south with an unexpected illness, a broken down vehicle, or even the theft of some belongings. What was supposed to be a quiet winter season can turn stressful when the furnace breaks, or there's a sudden leak in the roof.

The common thread running through all of these events is money.....

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How to Be Prepared for Unexpected Expenses http://hubs.ly/H05WTMT0

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The new year is often a time when we make resolutions about living a healthier lifestyle. While resolving to exercise and eat better is a wonderful thing, the overall health of your personal finances could often use some attention as well. The new year is the perfect time to create new financial habits, which includes setting some goals. Here are several important areas to consider as you plan your finances for 2017.

Assess Your Situation

Whether you're planning for retirement, trying to claw your way out of debt, or saving for the dream of home ownership, it's hard to make a plan if you don't know where you stand. Sit down and make a list of your assets and liabilities. This means that you list out everything that you own as well as what you owe. If this sounds tedious, but there are some free online tools can help you get this done, such as http://hubs.ly/H05QSq40.

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Planning Your Finances for 2017 http://hubs.ly/H05QSq50

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It's never fun being broke or having to live paycheck to paycheck. Wondering if you'll be able to pay your bills is stressful, and access to money is often limited. Those who have escaped debt will tell you that it is both a struggle and one of the most rewarding things you can do for yourself and your family. Maybe you just see the potential for trouble on the horizon and want to avoid total financial disaster. Whether you're crawling out of debt or hope to avoid its pitfalls, here are just ten debt traps to avoid in 2017.

1. Spending Too Much on a Home

Buying too much home is a common mistake that gets many people in over their heads in debt. A standard monthly benchmark for housing is 30% of your income. Many go up to 40%, but too many families fail to consider such things as property taxes, insurance, upkeep, and repairs in their budget.

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10 Debt Traps to Avoid in 2017 http://hubs.ly/H05T90h0

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Are you one of the many people that flood into the local fitness center during the first weeks of the new year, determined to make a change? How about tossing out all of the sugar in the kitchen or vowing to give up social media - except on the weekends? Many of us make resolutions at the start of the new year with the best of intentions, only to fall back into the same habits in short order. So, it's a pretty common debate about whether New Year's resolutions are a good idea at all or even healthy.

Why News Year's Resolutions Are a Good Idea

New Year's resolutions are an excellent idea for several reasons. Anyone who is willing to sit down and take stock of their life and see where a few things might need improvement should be commended. Setting goals can work but only if done properly.

Thousands of studies have been conducted on goal setting and the psychology of goals. Several overriding themes have surfaced from these studies. Among these are that goals should have meaning, be realistic, and be measurable. Setting a goal to lose 30 lbs. over the coming year is a noble quest, but without an action plan, you likely won't get very far. This is why too many goals, or resolutions, fall by the wayside.

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Are New Year's Resolutions a Good Idea? http://hubs.ly/H05QPF70
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