Rhode Islanders and Healthy Nutrition

January 23, 2014


I have been covering for a friend who owns a nutrition club in Middletown, Rhode Island and I am amazed at the number of people who are taking care of their bodies. I have met several people who have lost several pounds through nutritious protein shakes and working out at the local gym.

It is great to observe people trying to prolong their lives and even have a better quality of life. When people live longer, they need more savings set aside to ensure that they have an income throughout their retirement. This means planning for the future with retirement plans and life insurance. Because people are healthier, they can work more hours to earn extra income.

In conclusion, taking care of the body through diet and exercise will enable consumers to work more hours in order to eliminate their debt and accumulate more money.

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Life Insurance Needs for Single People

June 24, 2013



Many single people are under the impression that they do not need life insurance, however, even though they do not have dependents, they may have someone in their life who is dependent on them for support.

For instance, some single people may have purchased a piece of property jointly with someone else,  Often, people who co-habitate may decide to buy a house together.  In this instance, if both are contributing to the mortgage payment, and if one dies, the other would have difficulty making the payments on their own.  In this instance, each would need life insurance on the other, naming each other as beneficiaries.  This would enable the survivor to continue paying the mortgage, pay final expenses for burial, and living the life style he/she was accustomed to living before the death of the partner.

Life insurance is less expensive in the early years, and therefore, it would be beneficial for single people to purchase life insurance before a decision to marry or have children.  If they are helping to support a family member, that family member will miss the support, if the single person were to die. 

A single person may not want to leave the family with large debts upon an untimely death, especially if they saw another family member experience hardship as a result of the loss.  Therefore, if they are have outstanding college loans or mortgage payments, and want to leave the family with enough to pay their final expense benefits, they can purchase enough life insurance to cover these debts if they die prematurely.

Finally, life insurance is another way to save money on a tax deferred basis.  After three years, the whole life policy would have cash value that the single person could use to begin a retirement plan or college fund.  With variable life insurance, they could accumulate higher amounts of cash value.