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Do you know if you need life insurance? To be sure your loved ones are taken care of, there are a few questions you need to answer to determine your level of need.

What expenses will you leave behind?
If something happened to you today, how much debt would you leave behind? How much do you owe today for utilities, credit cards, medical bills, car loan, mortgage? At the very least, you should have a policy that will cover these basic needs.

Does anyone depend on you?
Aside from any pets you have living with you, do you have anyone who depends on you for their day-to-day living needs? Spouse? Children? Anyone else? If so, protect their financial future by giving them a block of money that will replace your annual income.

What future needs will your dependents have?
In addition to replacing your lost income, you have the chance to provide for your dependents future financial needs. You can plan for and provide a college fund or provide for possible future wedding expens (more...)

Car insurance companies view new drivers as inexperienced drivers therefore, new drivers usually have higher car insurance premiums than older drivers, who are considered more experienced drivers.

Even though new drivers are inexperienced drivers, their car insurance premiums do not have to break the bank. There are ways to save money, especially if the new driver has a family member with an existing car insurance policy.

Take the tips into consideration to save money with your new driver.

- Ask about “multi” discounts. Some car insurance companies offer discounts to policyholders who have multi-car policies, i.e., those that have more than one car on their car insurance policies. At the same time, some insurance companies will offer multi-line discounts, which means if the policyholder has both a car insurance policy and a home owner or life insurance policy with the same insurance company, they have “multiple lines” of insurance and may qualify for a disco (more...)