Reasons to Consider Getting Life Insurance

*this is a guest post

You may not have life insurance because you think you are too young to get it. Although that is a common way of thinking for many young adults, anything can happen at the most unexpected moment, and sometimes it is better to plan ahead just to stay on the safe side. Studies show that while 85 percent of adults in the United States believe it is important to have this type of insurance, only around 62 percent of those adults have obtained life insurance. The last thing most people want to think about is death because it may feel a bit morbid to them, but death is something that happens unexpectedly. If your family would struggle financially in the aftermath of your death, insurance is something you should start to consider.

1. It Provides Protection to Families

One of the most important reasons to get Columbia life insurance is to make sure that your family is protected in the event of your death. If you are the primary breadwinner who brings home the bulk of the family’s income, an unexpected death could easily cause a financial strain on your loved ones. If that is not something you would want them to deal with during a time when they should be grieving without the added stress, it is important to have the extra protection. There are different types of life insurance policies available. Even if your budget is a bit tight, there are some options with lower monthly premiums that provide enough coverage to ensure that your family will receive financial help if you were to pass away.

2. The Terms Are Adjustable

When you first decide to get a policy, you may initially agree to certain terms, but those terms are often adjustable. People change their mind and should be able to change the terms if they would like to do so. For example, you may initially agree to a certain amount of insurance that would be provided to your family members in the event of your death. You could agree to that amount because the monthly premium fits within your ideal price range based on your set budget. If you are earning more at some point in the future, you may want to increase the benefits a bit more, too. As a result, your monthly premium may increase.

In addition to altering the amount of money your family would receive from the policy, you could choose to start with term insurance and then change it over to whole life at some point in the future. Changing over to the whole life option means you would receive coverage for the rest of your life instead of just for a certain period of time.

3. You Will Have the Added Peace of Mind

Having peace of mind is most important. The future is unpredictable and that is why preparing for what could happen is something you should do in advance. When you decide to get life insurance, you may start to feel comfortable knowing your family would not have to struggle with finances if you were to pass away. For example, your children may be used to a certain way of life. If you passed away, the children would be going through the grieving process, and the last thing you would want them to have to deal with is the stress of not having enough money for basic necessities. The policy you choose could help you sleep better at night.

Whether you are young or old, having your own life insurance policy is important. It provides the protection that your family needs and deserves. It gives you peace of mind knowing your loved ones would be taken care of financially if you were no longer around.

*thank you for this guest post!

Top 4 Tips for Getting Your Family Outdoors this Summer Season

*this is a post from outside contributor

In today’s world of smartphones, video games, and over 100 or more channels to choose from on TV, families have gotten to the point where the start of summer no longer means they will be outside enjoying it. Today, most kids and their parents would prefer to sit up under the air conditioning and be entertained by technology instead of good old-fashioned outside play. However, it has been proven that adults need at least two and a half hours a week of outside activity and children should get at least sixty minutes a day.

Being outside has been proven to increase the health and happiness levels of both adults and children. It also helps to decrease the chance of developing obesity, a rampant epidemic affecting Americans today. With that in mind, read on below for a few of the top tips for getting your family outdoors and active this upcoming summer season.

Get Your Yard in Playing Condition

No kid wants to go outside and play on grass that is prickly or full of mud. The best way to accomplish getting your yard in playing condition is to start with a good quality grass seed which can be found through a specialist seller like Nature’s Seed followed up with lawn care after the seed is planted and grass is grown. Make sure that you mow your lawn on a weekly basis, keep up any dog poop that has gathered daily, and keep the yard in the type of condition that makes your children want to go outside and romp in the grass together.

Take Walks Together

Most parents know that walking daily is an extremely healthy activity. Not only is it good for your body, it’s great for your stress levels and mental health as well. Not only that, but it gives you more energy and makes you happier at the same time. One way to get your family outside more is to schedule a time where you walk together on a daily basis. Whether it’s in the morning or in the evening after dinner, walking with your family not only gets them outside more, it also gives you a chance to talk to them without headphones on or a smartphone in their hand.

Start Small

When it comes to getting your family outside, especially if they are used to sitting in the house, you are going to have to start small. Start by suggesting one small family activity, then another, until your family is ready to get outside for some outdoor fun whenever you are. Examples are taking the dog for a slightly longer walk or a small impromptu ball game in the backyard.

Make it Fun

The last thing you want to do is force your family to come out into the yard and play, so whatever you choose, make it fun. Whether it’s a dip in the pool, a BBQ on the patio with a ballgame included, or daily walks together to just chill, making it fun is the key to it being a success.

These are just a few of the top tips for helping you get your family outdoors and active this upcoming summer season. Put down the smartphones, turn off the TV and get together as a family to have fun in the sun. 

*thanks to Nancy Evans for this post