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This is where having an adequate life insurance policy can make all the difference. Even if you're only interested in a cheap funeral life insurance policy, the price is inevitably lower when you buy early. When I asked Gura about life insurance in the early days after death, he said, "Whole life and universal life insurance used in planning is very, very impactful. For example, let's look at a modest $300,000 whole life insurance policy. Even if you're not ready to have the discussion about end-of-life arrangements, life insurance is also made for the living.

Life insurance is more diverse than ever, with some companies offering a full range of life insurance products. Haven Life focuses on term life insurance policies for buyers who want quick approval. Life Insurance Plans from Haven LifeHaven Life's website offers a library on the benefits of term life insurance. Read our review Read Our Review A looong arrow, pointing rightHaven Life focuses on quick and easy term life insurance policies. Read our review Read Our Review A looong arrow, pointing rightMutual of Omaha and Haven Life offer affordable term life insurance policies with high limits for qualified buyers.

Travel insurance weekly rates at a glance:Average premium: $316.57Average trip cost: $6,747.16Average trip length: 15 daysWhat is travel insurance? See Insider's picks for the best travel insurance »Some credit cards offer a limited amount of travel insurance annually. Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Policy type Average days between purchase to trip Average trip length (days) Average trip cost Average cost of travel insurance Cancellation 53 13 $6,747.16 $396.32 Non-cancellation 16 19 N/A $91.01Source: SquareMouthWhen is the best time to travel? When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Travel insurance weekly rates at a glance:Average premium: $333.10Average trip cost: $6,608.57Average trip length: 15 daysWhat is travel insurance? See Insider's picks for the best travel insurance »Some credit cards offer a limited amount of travel insurance annually. Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Travel Insurance Rates FAQsHow much does travel insurance cost?

Whole life insurance is always cheaper for comparable death benefits than term life insurance. download the app Email address By clicking ‘Sign up’, you agree to receive marketing emails from Insider as well as other partner offers and accept our Terms of Service and Privacy PolicyIf you're considering buying life insurance, you might debate your options including term life insurance and permanent life insurance. Term life insurance lasts for a fixed period of time, usually 10, 20, or 30 years, while permanent life insurance has no end date. Permanent life insurance comes in a few variations, the most popular being whole life insurance, which is a hybrid between an investment and an insurance policy, explains insurance-comparison site Policygenius. If you're looking for the best life insurance policy to meet your needs, we recommend talking to a life insurance agent.

Travel insurance weekly rates at a glance:Average premium: $323.24Average trip cost: $6,795.88Average trip length: 15 daysWhat is travel insurance? See Insider's picks for the best travel insurance »Some credit cards offer a limited amount of travel insurance annually. Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Travel insurance weekly rates at a glance:Average premium: $270.13Average trip cost: $5,793.35Average trip length: 16 daysGet your free travel insurance quote with SquareMouth »What is travel insurance? See Insider's picks for the best travel insurance »Some credit cards offer a limited amount of travel insurance annually. Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

We need to stop thinking of life insurance as insurance. Unfortunately, we continue to see well-intentioned life insurance agents who don't sell more comprehensive policies to buyers they deem "too poor" for good life insurance. Common reasons people think they don't need life insuranceThe first and most important thing we want to address is the misconceptions about who doesn't need life insurance. If you buy a more comprehensive permanent life insurance policy, you can also use it as an investment vehicle for yourself. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Supplemental life insurance is a type of coverage you can purchase in addition to a whole or term life insurance policy. Insider's Featured Life Insurance Companies Lemonade Life InsuranceNationwide Life InsuranceGuardian Life Insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Supplemental life insurance is a life insurance policy that can be purchased in addition to a traditional life insurance policy. The bottom lineJust as it's important to understand what supplemental life insurance is, it's equally as important to understand what it is not: A supplemental life insurance policy should never take the place of a solid life insurance policy, whether that's a term or whole life policy. Before signing up for supplemental life insurance, it's worth considering an increase in coverage through your primary life insurance provider.

Travel insurance weekly rates at a glance:Average premium: $301.00Average trip cost: $5,900.67Average trip length: 16 daysGet your free travel insurance quote with SquareMouth »What is travel insurance? Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Policy type Average days between purchase to trip Average trip length (days) Average trip cost Average cost of travel insurance Cancellation 53 13 $5,900.67 $362.99 Non-cancellation 16 21 N/A $94.70Source: SquareMouthWhen is the best time to travel? When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Get your free travel insurance quote with SquareMouth »Travel Insurance Rates FAQsHow much does travel insurance cost?

Some insurance companies will allow you to reinstate a lapsed life insurance policy with a new medical exam. For some recently laid-off workers, this is an opportunity to think strategically and ask yourself:Are there options for converting term life insurance to permanent life insurance for your policy? Stop thinking of life insurance as just the death benefitIn the long term, policyholders with savings should consider life insurance an issue of redistributing assets. When you think of it this way, redistributing other savings to maintain and grow your life insurance savings is easier. Policyholders can reinstate a typical life insurance plan without a new medical exam or other complications within 30 days.

Travel insurance weekly rates at a glance:Average premium: $288.99Average trip cost: $5,763.06Average trip length: 16 daysGet your free travel insurance quote with SquareMouth »What is travel insurance? Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Policy type Average days between purchase to trip Average trip length (days) Average trip cost Average cost of travel insurance Cancellation 53 13 $5,763.06 $288.99 Non-cancellation 16 21 N/A $95.86Source: SquareMouthWhen is the best time to travel? When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Get your free travel insurance quote with SquareMouth »Travel Insurance Rates FAQsHow much does travel insurance cost?

☆ Demonstrators protest NCAA's transgender athlete inclusion
▼ + stars: | 2023-01-13 | by ( Associated Press | ) www.nbcnews.com time to read: +4 min

Former Kentucky swimmer Riley Gaines and about two dozen demonstrators outside the NCAA convention Thursday protested the inclusion of transgender athletes in women’s sports and threatened the association with legal action if it doesn’t change its policies. The topic has divided the U.S. for the past several years, with critics saying transgender athletes have an advantage over cisgender women in competition. Eighteen states have passed laws banning transgender athletes from participating in female school sports; a federal judge earlier this month ruled West Virginia’s ban is constitutional and can remain in place. The NCAA has permitted transgender athletes to compete since 2010. Harris said the transgender athletes policy is no different from other eligibility requirements.

☆ 12 AI tools that could transform the creator economy and influencer marketing, according to industry experts
▼ + stars: | 2023-01-12 | by ( Marta Biino | ) www.businessinsider.com time to read: +3 min

AI tools could be helpful for content creators to streamline processes like copywriting and editing. Insider asked 16 creator-economy experts to highlight the most promising AI tools for creators. Ollie Forsyth, global community manager at VC fund Antler, put together a landscape of generative AI startups with his team. "Simply put, generative AI tools provide creators a magic wand to create enchanting content." Here are 12 AI startups that creator-economy experts recommended, listed in alphabetical order:

☆ 12 AI startups that could change how creators make content, according to industry experts
▼ + stars: | 2023-01-10 | by ( Marta Biino | ) www.businessinsider.com time to read: +3 min

Travel insurance weekly rates at a glance:Average premium: $275.52Average trip cost: $5,652.66Average trip length: 16 daysWhat is travel insurance? Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Policy type Average days between purchase to trip Average trip length (days) Average trip cost Average cost of travel insurance Cancellation 53 13 $5,652.66 $363.74 Non-cancellation 16 21 N/A $95.86Source: SquareMouthAverage cost of travel insurance by ageA traveler's age is a significant factor in determining the cost of travel insurance. When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Travel Insurance Rates FAQsHow much does travel insurance cost?

Travel insurance weekly rates at a glance:Average premium: $298.10Average trip cost: $5,844.48Average trip length: 16 daysWhat is travel insurance? Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Policy type Average days between purchase to trip Average trip length (days) Average trip cost Average cost of travel insurance Cancellation 53 14 $5,844.48 $371.67 Non-cancellation 16 21 N/A $96.17Source: SquareMouthAverage cost of travel insurance by ageA traveler's age is a significant factor in determining the cost of travel insurance. When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Travel Insurance Rates FAQsHow much does travel insurance cost?

☆ Here are 22 of the top LGBTQ news stories of 2022
▼ + stars: | 2022-12-30 | by ( Jo Yurcaba | Jo Yurcaba Is A Reporter For Nbc Out. | ) www.nbcnews.com time to read: +12 min

Here are 22 of our top LGBTQ news stories of the year. Ron DeSantis signed the controversial Parental Rights in Education law — or what critics have dubbed the “Don’t Say Gay” bill — on March 28. 'It’s already having an impact': LGBTQ people fear abortion rights reversalA supporter of gay marriage waves a flag in front of the Supreme Court on June 25, 2015. Nicola Goode / Prime VideoAmazon’s “A League of Their Own” series, which debuted Aug. 12 and was inspired by the 1992 cult classic by director Penny Marshall, brought much-needed representation to the screen for lesbians and other queer women, who celebrated how “gay, gay, gay” it was. Biden signs same-sex marriage bill at White House ceremonyPresident Joe Biden signs the Respect for Marriage Act on the South Lawn of the White House on Dec. 13.

You can buy your pet insurance through a company you know, like Nationwide pet insurance, or seek a specialty pet insurance provider like the ASPCA. Read our review Read Our Review A looong arrow, pointing rightCompare the best pet insurance in CaliforniaBest overall: PumpkinPumpkin pet insurance gets about as close to a one-size-fits-all solution as you can with insurance. Best cheap pet insurance: LemonadeThe Lemonade pet insurance system is built for digital automation. Best for senior pets: SpotSpot pet insurance offers both wellness plans and accident and illness pet insurance plans. Run pet insurance quotes for comparison: Insider looks at average pricing for pet insurance products being reviewed.

The average cost of travel insurance has increased over the past week, according to travel agency Squaremouth. Travel insurance weekly rates at a glance:Average premium: $188.33Average trip cost: $4,778.06Average trip length: 16 daysWhat is travel insurance? Insider's Featured Travel Insurance Companies World Nomads Travel InsuranceAllianz Travel InsuranceTravelex travel insurance Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency. Travel Insurance Rates FAQsHow much does travel insurance cost?

☆ Creator economy insiders share the 5 trends that could change the industry in 2023, from a flood of Gen X and millennial creators to a startup reckoning
▼ + stars: | 2022-12-21 | by ( Amanda Perelli | Sydney Bradley | Marta Biino | ) www.businessinsider.com time to read: +10 min

Insider asked creator economy industry professionals to share their predictions for 2023. We spoke with investors, influencer marketers, and industry experts, who shared their best predictions for the creator economy in 2023. Live shopping could finally have its moment in the USIndustry insiders may have been premature in declaring 2022 the year of social and live shopping. Some creator economy startups might close their doorsThis past year, layoffs have been rampant in the creator economy, as companies like Patreon and Jellysmack reacted to the economic slowdown by letting employees go. "Venture capitalists think this isn't the time to be betting on the creator economy, so the next nine months will be really tough."

☆ The Latest Must-Have Kitchen Staple: A Pantry
▼ + stars: | 2022-12-15 | by ( Lia Picard | ) www.wsj.com time to read: 1 min

This week, The Wall Street Journal’s Mansion section is rolling out stories from our special food and wine issue. Be sure to read stories like this one on a white kitchen getting a natural makeover and this one on high-end homeowners tricking out rooms for their alcohol collections. In Atlanta, Will Letton’s listing has not one, but two spaces that function as pantries. One is technically a scullery (a sort of second kitchen with additional appliances and counter space) and the other is a butler’s pantry. Kitchen storage has always been at a premium, said Mr. Letton, an agent with Atlanta Fine Homes Sotheby’s International Realty, but the pandemic increased that need as people began to entertain in their homes.

☆ WHO says it still does not have full access to Ethiopia's Tigray
▼ + stars: | 2022-12-02 | by ( Bhanvi Satija | ) www.reuters.com time to read: +2 min

REUTERS/Tiksa NegeriBENGALARU, Dec 2 (Reuters) - The World Health Organization said on Friday it still does not have the unfettered access to Ethiopia's northern Tigray region stipulated in a truce signed a month ago. Troops from Eritrea, to the north, and forces from the neighbouring Ethiopian region of Amhara, to the south, fought alongside Ethiopia's military in Tigray but were not party to the ceasefire. "That peace process has not yet resulted in the kinds of full access, unfettered access and in the massive scale of medical and health assistance that the people of Tigray need," WHO's emergencies director Mike Ryan said. Ethiopia's Minister of Health Lia Tadesse, State Minister Redwan Hussien, and government spokesperson Legesse Tulu did not respond to requests for comment. WHO chief Tedros Adhanom Ghebreyesus in October accused Ethiopia's government of using the denial of food and healthcare as weapons of war in Tigray.

☆ Home Court Advantage: Four Properties With Tricked-Out Sports Spaces
▼ + stars: | 2022-11-30 | by ( Lia Picard | ) www.wsj.com time to read: 1 min

Playing sports comes with a lot of health and social benefits, but no one says you have to leave the house to get them. In Vancouver, Wash., for example, Jonathan Romano’s listing has a professional-grade bowling alley complete with the usual trappings—including screens to track scores, seating for guests and bumpers for the children—on the main level. In Salem, Utah, Casey Cloward, owner of Raykon Construction, has built about 10 indoor basketball courts. He liked the ones he built for his customers so much that he included one in his home when he built it four years ago.

☆ When It Comes to Vacation Homes, A-Frames Are as ‘Iconic’ as It Gets
▼ + stars: | 2022-11-18 | by ( Lia Picard | ) www.wsj.com time to read: 1 min

A-frames are easily recognized by their triangular shape. It is the result of bringing the roof down and eliminating the walls, said Brent Campbell, an architect in Asheville, N.C. “They became this sort of iconic shape for rural vacation retreat-type structures,” said Mr. Campbell. In the book “A-Frame,” author Chad Randl, an architecture historian and professor at the University of Oregon, wrote that A-frames have shown up in history from ancient Japan to rural Europe. These structures are strong and snow slides right off their pitched roofs, making them appealing in remote, cold areas. Because they were affordable and functional, A-frames became a popular vacation-home style in the U.S. in the 1950s.

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