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Article Written By: Lauren Hoeffel If you work at a credit union, you’ve probably heard some version of this from members: • “I’m doing everything right… Why do I still feel behind?” • “Should I pay off debt first or start investing?” • “Is buying a home even realistic anymore?” • “What should I do…
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Term life insurance does one thing: it pays a lump sum to your family if you die during the coverage period. There is no cash value, no investment component, and no complexity—just straightforward protection at the exact moment your loved ones would need it most. Yet, millions of households remain unprotected by this type of coverage.
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Article Written By: Roberto Aponte For many men, life insurance falls into the category of “I’ll deal with it later.” It’s not exciting. It’s not urgent. And if you’re healthy, working, and providing for your family, it’s easy to assume you have plenty of time to figure it out. But here’s the reality: many families…
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Accidents are the leading cause of emergency room visits in the United States. They happen to careful people, healthy people, and people who were simply trying to get through an ordinary day. Despite that reality, many people build financial plans that account for retirement, vacations, and home repairs-but not unexpected injuries. Article Written By: Roberto…
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Why Every Credit Union Needs an Outbound Member Engagement Program to Turn Its Data Into Revenue
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Article Written By: Lauren Hoeffel Every day, big banks dominate headlines, ad budgets, and market share. The largest banks control much of the financial services industry, leaving thousands of smaller institutions to compete for the rest. So, it’s natural for credit union leaders to ask: “How can we realistically compete with big banks?” Credit unions…
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Article Written By: Lauren Hoeffel What’s in this article? You Want to Protect Your Family’s Financial Future You Have Debts That Won’t Disappear You Want to Cover End-of-Life Costs You Want to Leave a Legacy It’s Cheaper (and Easier) When You’re Younger and Healthier Common Objections (and Honest Answers) Life insurance can be one of…
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Most people insure their car, their home, and their phone. Almost nobody insures their paycheck. We have somehow decided that a cracked screen is a financial emergency worth planning for. A year without income is not. Article Written By: Roberto Aponte What’s the biggest financial asset most people have? Most people say their house. They’re…
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The average hospital stay costs $3,025 per day. Your health insurance will cover some of that. The rest lands on you. And somehow, the financial planning industry has decided this is not worth discussing. Article Written By: Roberto Aponte How bad are hospital costs really, even with health insurance? Bad enough that “I have insurance”…
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Article Written By: Roberto Aponte If I asked most financial advisors to rank their product priorities, critical illness insurance would probably land somewhere around fifth or sixth, below life, disability, long-term care, and maybe annuities. And that ranking says a lot about what’s wrong with the industry’s approach to protection. Here’s the reality: a cancer…
