Life insurance is a financial contract between an insurer (the company) and an insured person (you). The purpose of life insurance in the U.S. is to protect your finances in the case of death or disability. This protection is provided by paying out a certain sum of money to the beneficiaries or using the money to cover mortgage and loans in the event of your death. Discussed below are the various types of life insurance available: 1. Variable life insurance Variable life insurance involves investing the premium money into income-generating assets. The premiums on variable life insurance rise over time based on the performance of investments made by the insurer. When you decide to buy a policy, you select what level of risk with which you are comfortable. Higher interest earnings mean lower initial premiums, but also a chance to decrease later. 2. Whole life insurance Whole life insurance is one of the most traditional life insurance policies and a form of permanent life insurance. In this type of policy, the premium amount remains constant throughout your lifetime. As such, you can use it as long as you want. There are two main benefits associated with this insurance — lower premiums and tax advantages.

When it comes to buying life insurance, there are many things to consider. You want to make sure that you are making the right decision for yourself and for your family. However, there are also a few mistakes that many people make when they are shopping for life insurance. Read on to learn more about six of the most common mistakes people make when buying life insurance: 1. Not adding your spouse as a beneficiary It’s often assumed that the beneficiary will always be the spouse, but this doesn’t have to be true. Some couples may want to name their children as beneficiaries in the case of untimely death to help with any expenses, or if it is expected that they will not receive an inheritance from their parents when they die. In addition, if your spouse is not working or earns less than you do, they may not be able to afford the additional premium that comes with adding them as a beneficiary. 2. Hiding information from the insurance company For any insurance, you have to be completely honest about all the necessary details. This means that you must disclose everything so you can purchase the right amount of coverage without having to worry about a denied claim.

Nothing brings out more joy in the summer months than grilling and barbecuing with friends and family. It is a great way to hold large outdoor gatherings to enjoy summer weather and beautiful landscapes while eating fresh and healthy food. One of the things that makes the whole experience successful and fun is a good grill. Some of the top-rated grills to try this summer include: 1. Traeger Timberline 1300 This grill comes with three stainless steel grate tiers, which allow you to prepare a lot of food simultaneously. The grill also runs on wood pellets, which allow you to choose different smoke flavors. All you need to do is load your pellets into the hopper, plug in your smoker, and set your desired temperature. To ensure you do not run out of pellets in the middle of grilling, it has a Traeger Pellet Sensor that you can monitor remotely using the Traeger app. It is also fully insulated, maintaining a steady temperature throughout the grilling process, and has a D2 controller with a turning knob and a two-tone screen. You can also set cooking temperatures, connect the grill to Wi-Fi, select a cooking program, and set a timer. Other features include grill tool hooks, a bamboo cutting board, a meat probe, and a stainless-steel front shelf.

Cruises that cater to seniors are perfect if you want to enjoy slow travel in safety and comfort. If you want to go ashore, you’ll have access to guides who can keep you informed and help you get back aboard on time; you’ll also have plenty of care if you just want to stay on board! Here are the five top-rated cruise lines for senior travelers: 1. Viking Ocean Cruises If you love the idea of quiet, elegant travel, a Viking Ocean cruise is an ideal choice. Many Viking Ocean Cruises have fewer than 1,000 guests on board, and you can choose a cruise that doesn’t allow children if that suits your travel goals. Seniors who want privacy and quiet will probably be happiest on a Viking Cruise. 2. Silversea Cruises If you have physical challenges that have you concerned about what you will face when you get onboard, you can still confidently book your trip with Silversea Cruises. The company offers many accommodations for disabilities, making it easy to get from your luxurious cabin to anywhere you might want to go on the ship. Additionally, Silversea travel options offer great discounts for seniors; if you’ve been saving for a big trip, Silversea offers terrific package deals.

A healthy lawn is a curbside attraction. Yet to achieve lawn nirvana it’s vital to avoid common lawn issues such as poor grass growth, weeds or crabgrass, dog urine, and pests like moles or grubs. A healthy lawn is not only beautiful to look at, but it also functions as a natural filter, helping to prevent pollutants from entering your waterways. By following a few tips, you can help keep your lawn healthy: 1. Mow high regularly Mowing high means cutting the grass at a taller height than normal. Such a technique helps promote a healthy lawn by keeping the grass blades longer and discouraging weed growth. Mowing high also helps to protect the soil from erosion. Taller grass blades have a better chance of surviving a drought and provide more shade for the soil, which helps to keep it moist. Mowing regularly also keeps the grass blades short, which helps the lawn to hold moisture and nutrients. 2. Fertilize and mulch frequently Frequent fertilizing and mulching can help maintain a lush landscape that looks beautiful year-round because it provides the plants with the nutrients they need to grow, and it helps keep the soil moist. When plants can obtain the necessary nutrients, it makes it easier to grow and resist pests and diseases.