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If you already have life insurance, consider adding funeral or burial insurance, also known as "final expense" insurance. Final expense insurance, also called burial or funeral expense insurance, covers end-of-life expenses like the funeral service, body preparation, cremation, the casket or urn, transportation, etc. Types of final expense policiesBesides term and permanent life insurance, final expense insurance comes in several forms. Final expense life insurance is for those who might be in poor health and can't qualify for traditional life insurance. Final expense life insurance FAQsWho should consider final expense life insurance?

Persons: you'll, It's Organizations: AARP, Consumers Alliance, Colonial Penn, Mutual, Life Insurance, Chevron Locations: Colonial, Omaha, Illinois

How to cancel your life insurance policyCanceling a term life insurance policyThere are several ways to cancel a term life insurance policy. Alternatives to life insurance cancelationcanceling your life insurance policy isn't ideal if you have dependents who rely on your income for financial support. If you have a whole life insurance policy, look into reduced paid-up life insurance. Life insurance settlementIf you don't have a terminal diagnosis and you want to sell your term life insurance policy, you can apply for a life insurance settlement with a third-party provider instead of canceling your policy. Canceling life insurance FAQsWill I get any money back if I cancel my life insurance policy?

Persons: Lucas Siegel, Siegel, wouldn't, policyholders, you've Organizations: Internal Revenue Service

To submit a life insurance claim, however, you'll need to know which life insurance company holds the person's policy. NAIC's Life Insurance Policy Locator ServiceIf you don't know the insurance company your deceased loved one has a policy with, the NAIC's Life Insurance Policy Locator Service can help with your search. What to do once you find a life insurance policyFiling a claimOnce you've identified the insurance company and retrieved the deceased's policy information, follow these steps to claim a found life insurance policy:Contact the insurance company: The insurer will provide the claims form and instructions. The closest living relative (e.g., spouse or child)The policy's beneficiaryEstate executors and TrusteesFinding life insurance policy frequently asked questionsHow can I determine what type of life insurance policy I need? Only the beneficiaries named in the policy or their legal representatives have the right to file a claim on a life insurance policy.

Persons: you've, Policygenius Organizations: National Association of Insurance, Social, National Association, Insurance, Financial

Health insurance, life insurance, auto insurance, disability insurance, homeowners insurance, and renters insurance all require the policyholder to pay a premium to continue receiving coverage. The types of insurance policy premiums include car, life, health, homeowners, renters, and disability insurance. Life insurance premiumsAs previously mentioned, term life insurance premiums are locked in when the policy is signed. Another factor that goes into homeowners insurance premiums is your insurance score, which you do have some control over. Insurance premiums frequently asked questionsHow often do I have to pay insurance premiums?

Persons: policyholders, you'll, they're, Policygenius Organizations: Health Locations: New York, California

Featured Investing App Robinhood Investing Start investing On Robinhood's website Icon of check mark inside a promo stamp It indicates a confirmed selection. Account Minimum $0 ($1 for fractional shares; $2,000 for margin trading Fees 0% ($5/month for Robinhood Gold) Pros Check mark icon A check mark. Goal-based planning, tax-loss harvesting, charitable giving, and socially responsible investing availableCheck mark icon A check mark. Streetbeat offers a list of stock picks based on investment data it has analyzedCheck mark icon A check mark. 0.25% for automated investing (0.06% to 0.13% for fund fees) Pros Check mark icon A check mark.

Persons: It's, Apex Crypto, It’s, Tessa Campbell, Read Organizations: Forbes, Robinhood, CFP, Invest, Trade, Ideas, Finance, New, Apex, M1 Finance

A student loan is reported as an installment loan on your credit report and can affect your credit score. How to build credit with your student loanPracticing good student loan management can positively affect your credit score. Monitor your credit report — Regularly checking your credit report helps you spot inaccuracies and stay on top of your credit. Consolidate or refinance federal student loansYou can apply for student loan consolidation if you need help managing multiple federal student loans. How student loans affect credit scores frequently asked questionsHow much do student loans affect credit scores?

Persons: servicers, isn't, —, you've Organizations: Federal Locations: Federal

An economic recession can impact retirement savings for current and future retirees in the US. Start savings for your future with the best retirement plans>>How does a recession affect a retired person? 4 ways to protect your retirement savings in a recessionYou can take preventive measures to protect your 401(k) or IRA savings from a recession. On the other hand, current retirees actively withdrawing from their retirement savings should consider getting a part-time job for a while. However, it's generally better to leave your retirement savings alone as much as possible while in a recession.

Persons: Teresa Bailey, Samantha Gorelick, there's, it's, Tessa Campbell, Read Organizations: Waddell & Associates, CFP, Finance

International credit scores generally do not transfer to credit scores in the US. Nova Credit allows immigrants from some countries to apply for credit with an international credit score. FICO VantageScore Payment history (35%) Payment history (40%) Credit balance (30%) Length & type of credit (21%) Length of credit history (15%) Percent of credit used (20%) New credit (10%) Total debt/balances (11%) Mix of credit accounts (10%) Recent credit behavior and inquiries (5%) Available credit (3%)How credit scores work internationallyOther countries have a credit scoring system that differs from the United States. Alternatively, you can use credit builder products like a secured credit card or credit builder loan, which don't require high credit scores to qualify. Transferring international credit scores frequently asked questionsWhat happens to my credit score if I move to another country?

Persons: Misha Esipov, TransUnion, you've Organizations: Nova Credit, Nova Credit's, American Express Locations: United States, America, Canada, Japan, Nova, Australia, Brazil, Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Korea, Spain, Switzerland, Chevron

Certain forms of identity theft, like synthetic identity theft or child identity theft, are harder to detect. You can also enroll in an identity theft protection service that can monitor the dark web for your information and provide identity theft insurance, usually up to $1 million. The best identity theft protection services will also provide you with personalized expert assistance if you experience more identity theft. While credit-related identity theft is more common, "identity theft can occur in other areas, including medical records, tax filings, social media accounts, employment history, and even criminal records," says Josh Amishav, founder and CEO of Breachsense, a data breach monitoring platform. Identity theft recovery frequently asked questionsCan you fully recover from identity theft?

Persons: you'll, David Burroughs, IdentityTheft.gov, You'll, Burroughs, you've, Equifax, Allen, Michael Bruemmer, haven't, Josh Amishav Organizations: FTC, Federal Trade Commission, Social, FBI, Social Security, Services, Social Security Administration Locations: AnnualCreditReport.com, Atlanta, Allen , TX, Chester ,

About Ally Invest Robo PortfoliosAlly Invest Robo Portfolios is an Ally Financial-affiliated automated account offering investing without fees for US residents. Ally Invest Robo Portfolios FeesAlly Invest Robo Portfolios doesn't charge trading fees, advisory fees, annual fees, or rebalancing. Methodology: How We Reviewed Ally Invest Robo PortfoliosAlly Invest Robo Portfolios is a robo-advisor that was reviewed using Personal Finance Insider's rating methodology for investing platforms. How Ally Invest Robo Portfolio ComparesAlly Invest Robo Portfolios vs. Fidelity GoIf you're a hands-off investor in search of automated portfolio management, Ally Invest Robo Portfolios and Fidelity Go are both popular robo-advisors. Ally Invest Robo Portfolios vs. Schwab Intelligent PortfoliosAlly Invest Robo Portfolios and Charles Schwab's most basic automated account, Charles Schwab Intelligent Portfolios, both offer competitive automated investing services.

Persons: Ally, Ally Invest's, Ally Invest, it's, It's, you'll, Roth, Charles Schwab, Schwab, Charles Schwab's, brokerages, Rickie Houston, Rickie, He's, Read, Elias Shaya, Elias, Tessa Campbell Organizations: Reading Chevron, Financial, Ally Invest, Better, Bureau, BBB, Financial Inc, Invest, IRS, Roth IRA, Investment, Vanguard, Fidelity, Finance, Schwab, Business, Boston Globe, Yahoo News, Boston University, Boston University News Service, CUNY College of, New York Presbyterian Hospital Locations: New York City, CUNY College of Staten Island, Lebanon

A Social Security number (SSN) allows the government and other entities to track personal information like employment history, tax contributions, and Social Security benefits. Qualifying reasons for new social security numberThe SSA outlines legitimate reasons to request a new Social Security number. Drawbacks of changing your Social Security numberA Social Security number change doesn't erase your financial history. New Social Security number frequently asked questionsCan you get a new Social Security number if your identity is stolen? Knowingly maintaining two Social Security numbers can result in a Social Security fraud charge, which can result in a maximum of five years in prison.

Persons: Nilsa Henriquez, Henriquez, —, TransUnion, It's, you've Organizations: Social Security, Social, SSA, Social Security Administration, New Social

Earn 2x Miles on Delta purchases made directly with Delta. Earn 2x Miles on Delta purchases made directly with Delta. Other United℠ Explorer Card benefits include two single-visit passes to the United Club lounge per anniversary year, 25% back on United inflight purchases, and priority boarding. When looking for the card that best fits you, consider whether you'd prefer to earn on restaurant and US supermarket purchases (Delta SkyMiles® Gold American Express Card), or dining and hotel bookings (United℠ Explorer Card). Here's our Platinum Delta Amex card review for all the details, and a comparison of the Delta Gold vs Delta Platinum cards to help you decide.

American Express issues several co-branded Delta credit cards, including the Delta SkyMiles® Gold American Express Card and the Delta SkyMiles® Platinum American Express Card. Unlike the Delta Gold Card, the Delta SkyMiles® Platinum American Express Card can help you earn Medallion® Qualification Miles (MQMs) toward Delta elite status through its Status Boost benefit. Another benefit of the Delta SkyMiles® Platinum American Express Card is the ability to access Delta Sky Clubs when you're flying Delta, at a discounted rate of $50 per visit. Delta Gold Business Card vs Delta Platinum Business CardThere are also business versions of these two cards:Delta SkyMiles® Gold Business American Express Card: 50,000 bonus miles after spending $2,000 in purchases on your new card in your first three months of card membershipDelta SkyMiles® Platinum Business American Express Card: 60,000 bonus miles after spending $3,000 in purchases on your new card in your first three months of card membershipThe Delta SkyMiles® Gold Business American Express Card and the Delta SkyMiles® Platinum Business American Express Card offer very similar overall benefits to the personal versions. If you're a casual Delta flyer, the Delta SkyMiles® Gold American Express Card is likely going to be a better fit for you.

Bank of America Customized Cash Rewards Cash BackBank of America Customized Cash Rewards bonusNew Bank of America® Customized Cash Rewards Credit Card cardholders can earn $200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening. How to earn cash back with the Bank of America Customized Cash Rewards credit cardThe Bank of America® Customized Cash Rewards Credit Card has major appeal for folks looking to earn cash back on multiple spending categories. Bank of America Customized Cash Rewards Benefits and Featuresthe Bank of America® Customized Cash Rewards Credit Card doesn't have many other benefits, but this is common with no-annual-fee credit cards. Bank of America Customized Cash Rewards Annual Fee and Other CostsThe Bank of America® Customized Cash Rewards Credit Card has a $0 annual fee. Methodology: How we reviewed the Bank of America Customized Cash RewardsIn our review process, we compared the Bank of America® Customized Cash Rewards Credit Card to competing no-annual-fee cash back cards, especially those that allow you to customize your bonus categories.

☆ 2 no annual fee Chase Ink Business credit cards bonuses (worth potentially $1,800 in travel) are ending in a couple weeks
▼ + stars: | 2023-03-06 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +21 min

Despite being framed as cash-back credit cards, the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card actually earn valuable Chase Ultimate Rewards points. Otherwise, if you've previously contemplated opening the Ink Business Unlimited® Credit Card or Ink Business Cash® Credit Card, you need some urgency in your application plans. Compare Chase Ink Business credit cards Ink Business Unlimited® Credit CardInk Business Cash® Credit CardInk Business Preferred® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Chase Ink Cash vs Ink Unlimited: Side-by-side comparisonIf you're having trouble deciding between the Chase Ink cards, be sure to check out our comparison of the Chase Ink Business Cash and Ink Business Unlimited for a closer look at each card's features and benefits. However, Chase cards, including the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card, fall under what's commonly known as the Chase 5/24 rule.

Premiums can increase by almost 50% after an at-fault accident claim, according to an analysis by The Zebra, an insurance comparison website. If you run into a deer or other animal, your comprehensive car insurance would kick in. When you might not need to file a claimWhile filing a claim for damage caused to others is always encouraged, there are instances where you might consider not filing a claim. When your claim is less than the deductibleIf the repair cost is lower than your insurance policy's deductible, it's probably not worth filing a claim. "Even if you're not at fault, filing a claim could still increase your premium," says Cox.

Read our review Read Our Review A looong arrow, pointing rightIf you're considering adding a new card to your wallet, both the Amex Blue Cash Preferred and the Amex EveryDay® Preferred Credit Card are great options. The Amex Blue Cash Preferred earns cash back in the form of Reward Dollars, which can be redeemed for statement credits, while the Amex EveryDay® Preferred Credit Card earns American Express Membership Rewards points. This benefit is unique to the EveryDay Preferred card (and its sister card, the no-annual-fee Amex EveryDay® Credit Card from American Express ). Benefits and featuresBlue Cash Preferred Card benefitsThe Amex Blue Cash Preferred doesn't offer premium perks, but there are a few money-saving benefits worth mentioning. That said, the Amex EveryDay® Preferred Credit Card is great for folks who regularly use and maximize Membership Rewards points.

With the tax-advantaged investing component of a permanent life insurance policy, life insurance is the gift that keeps giving. Life insurance is more affordable than you may thinkPerceived cost is one factor that deters people of color from buying adequate life insurance. Unfortunately, we've seen licensed life insurance agents who still tell buyers term to whole conversions are "guaranteed," or rates will stay the same in those life insurance conversions. Life insurance doesn't have to cost a pretty penny, and life insurance is constantly changing. Permanent life insurance is generally more expensive than a term life insurance policy and can vary highly based on various factors.

Other cards offering increased welcome bonuses are the United Quest℠ Card, United℠ Explorer Card, and United Gateway℠ Card. For a limited time, four United credit cards are offering elevated welcome bonuses, worth up to 100,000 miles. Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases. Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.

Review: Is the Marriott Bonvoy Bevy American Express card the best credit card for you? With the launch of the Marriott Bonvoy Bevy™ American Express® Card (and its new sibling card, the Marriott Bonvoy Bountiful™ Card ), there are now a whopping six Marriott credit cards available to new applicants. The Marriott Bonvoy Bevy™ American Express® Card, with a $250 annual fee, is positioned as a mid-tier card between the popular Marriott Bonvoy Boundless® Credit Card ($95 annual fee) and premium Marriott Bonvoy Brilliant® American Express® Card ($650 annual fee). On other Marriott Bonvoy cards, like the Marriott Bonvoy Boundless® Credit Card, the free anniversary night certificate is one of the best perks, so its absence on the Marriott Bonvoy Bevy™ American Express® Card really sticks out. If have or have had The Ritz-Carlton® Credit Card from JPMorgan, J.P. Morgan Ritz-Carlton Rewards® Credit Card, Marriott Bonvoy Bountiful™ Card, Marriott Bonvoy Boundless® Credit Card, Marriott Rewards® Premier Plus Credit Card from Chase, Marriott Bonvoy® Premier Credit Card from Chase, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy® Premier Plus Business Credit Card from Chase, or the Marriott Rewards® Premier Plus Business Credit Card from Chase in the last 30 days, you won't be eligible for the $250.

So I dove headfirst into the credit card tag on TikTok and found the app's most popular "hacks" for credit card experts and novices. Here's a look at some of the best and worst credit card hacks on TikTok right now. Credit utilization ratio refers to the amount of debt you have in relation to your income (debt/income = credit utilization ratio). How it worksIf you search "credit card hack" on TikTok you're sure to find dozens of posts on the 15/3 method. "While it won't double your payment history, the 15/3 credit payment hack can actually help you reduce the reported amount on your credit card."

Note that credit card lenders may use many different variations of credit score models when considering your application. Note that credit card lenders may use many different variations of credit score models when considering your application. Note that credit card lenders may use many different variations of credit score models when considering your application. Review: Capital One SavorOne reviewCredit cards for college graduates frequently asked questions (FAQ)What happens to my college credit card when I graduate? If you're new to credit, you can check out Insider's guide to building credit with credit cards to help you improve your credit history faster.

Your personal credit card data could be used for customized credit card rewards. What if your credit card started offering you enhanced rewards in personalized spending categories based on your past purchases? The future of personalized credit card rewardsYou're likely no stranger to having your personal data re-targeted to you. Personalized content and products already exist, so it makes sense for credit card programs to move in that direction too. For example, charity donations are becoming a more popular way for Gen Zers to redeem credit card rewards, but not all credit cards offer that as an option.

Review: Is the Chase Ink Business Cash credit card right for you? Before you decide on the Ink Business Cash® Credit Card, you may want to consider the Ink Business Unlimited® Credit Card as well — especially if you don't want to keep track of bonus categories. Chase Ink Cash frequently asked questions (FAQ)Is the Chase Ink Business Cash card worth it? Which is better, the Chase Ink Cash or Chase Ink Business Unlimited? Both the Ink Business Cash® credit card and Ink Business Unlimited® Credit Card come with the same high welcome bonus, travel insurance, and purchase protections.

More Information The information related to the PNC Points® Visa® Credit Card has been collected by Business Insider and has not been reviewed by the issuer. Review: Is the PNC Points Visa the best credit card for you? How to earn rewards with the PNC Points CardThe PNC Points® Visa® earns unlimited 4x points on all qualifying purchases. With the PNC Points® Visa®, you'll be automatically enrolled in the PNC Points Program, which gets you a bonus of up to 75% of all base points earned depending on your banking relationship and amounts on deposit with PNC. Folks who apply for the PNC Points® Visa® with excellent credit have the most success in getting approved (FICO score of at least 800).

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