What Happens to Your Loved Ones If You Die Without Life Insurance?

Article Written By: Lauren Hoeffel Understanding the Real Consequences for Young Adults and New Parents You might be here because you’ve wondered: “Do I need life insurance?” or “What happens to my family if I die without it?”  These are smart, responsible questions—you’re not alone in asking. Whether you’re just stepping into adulthood, starting a…

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The Benefits of Disability Insurance: Protecting Your Income, Peace of Mind, and Future

Article Written By: Lauren Hoeffel Life is full of uncertainties, and while many insure our homes, vehicles, and health, one vital asset is often overlooked—our income. A sudden illness or injury could mean weeks or months without a paycheck for millions of working Americans.   In fact, the Council for Disability Awareness reports that approximately 5.6%…

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The Benefits of Critical Illness Insurance: Protecting Your Finances and Future

Article Written By: Lauren Hoeffel Life can change in an instant. One moment, you are healthy and working toward your goals, and the next, you may find yourself facing a serious illness. It’s easy to think ‘it can’t happen to me’ — and you’re likely right. If you’re in good health, you’re doing your best…

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Who Needs Life Insurance?

Life changes fast – sometimes in wonderful ways, sometimes unexpected. Whether you’re starting a family, launching a business, or just getting your footing as an adult, life insurance helps protect the people who count on you.   Many think life insurance is only for certain people—like parents or older adults. But the truth is, most people…

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A Nurses’ Guide to Life Insurance: Do You Really Need It?

Article Written By: Lauren Hoeffel Many healthcare workers receive some level of life insurance through their employer. But here’s the truth: 16% of registered nurses don’t have access to any life insurance at all, and even for those who do, the coverage may be insufficient for protecting their loved ones long-term.   In this guide, we’ll…

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Considering Whole Life Insurance? Understand These 10 Problems Before You Buy

Article Written By: Lauren Hoeffel Thinking about whole life insurance? It’s a big decision—and one that deserves careful consideration. Whole life insurance offers lifelong coverage and builds cash value over time, which can make it an appealing option.   But like any financial product, it comes with its own set of challenges.   Before you commit, it’s…

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Honoring Our Healthcare Heroes

Every day, nurses show up with strength, compassion, and an unshakable commitment to others. Whether it’s comforting a patient, coordinating care, or advocating behind the scenes, nurses are the heartbeat of healthcare. During National Nurses Week, we don’t just say “thank you”—we encourage nurses to reflect on their own well-being, too. Because self-care isn’t selfish.…

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Insurance Cost: Whole Life Insurance vs. Term Life Insurance

Article Written By: Lauren Hoeffel Life insurance is more than a policy. It’s a way to protect the people you love. Whether you need lifelong security or a budget-friendly solution, whole life and term life insurance offer unique benefits.   By understanding the differences in cost, coverage, and payment structures, you can make a confident choice…

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National Nutrition Month: Fueling Your Future with Healthy Choices

March is National Nutrition Month, a time to focus on the power of good nutrition and how it impacts our health, energy, and future. Established by the Academy of Nutrition and Dietetics, this annual observance encourages people to make informed food choices and develop healthy eating habits that last a lifetime. Why Nutrition Matters Good…

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Celebrating Black History Month and Raising Awareness for Heart Health

Heart disease continues to be the leading cause of death in the United States, claiming over 700,000 lives every year. According to the CDC, Black Americans face a higher risk due to several factors, including barriers to accessing healthcare, a greater likelihood of hypertension, and the impact of social determinants of health.1 This February, as…

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Life Insurance for Newlyweds

You have recently gotten married – congrats! and as you begin your new life together, it’s essential to consider your financial future and protect your loved one. Life insurance is a very important aspect of financial planning, especially for newlyweds. Why Do NEWLYWEDS NEED LIFE INSURANCE? Life insurance provides financial security for your spouse and…

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Movember: Shining a Light on Men’s Health

Each November, men worldwide grow mustaches to spark conversations and raise awareness about critical issues surrounding men’s health. Movember is more than just facial hair, it’s a global movement dedicated to addressing the biggest health challenges men face- mental health, suicide prevention, prostate cancer, and testicular cancer. Key Men’s Health Issues Address by Movember: 1.…

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October is Health Literacy Month – Empower Yourself!

Every October, we celebrate Health Literacy Month and Breast Cancer Awareness Month. It’s time to recognize the importance of making health information easy and understanding the health care system easier to navigate. Empowerment Through Awareness Empowerment begins with awareness. By educating yourself and others about critical illnesses, health literacy, and self-advocacy, you’re not only taking…

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Stay Safe While Grilling This Summer

There’s nothing like the smell of a grill on a warm summer day! It’s the perfect time for families and friends to gather and enjoy backyard games and grilled cuisine. It’s also that time of the year when we hear about injuries sustained from unsafe practices related to outdoor cooking accidents. It’s important to maintain…

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Tax Season Is Here!

Feeling Stressed about tax season? No worries! Check out these helpful tips to keep your organized and make tax filing a breeze! Start Early to Avoid Delays Get ahead of your taxes this year by submitting your simple tax return early and choosing direct deposit with the IRS. If your tax return is a bit…

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From ‘Spicy Trainer’ to SVP: Navigating 25 Years of Leadership as a Woman in Corporate World

As a woman who has navigated the corporate world for over 25 years, my journey in leadership has been both exhilarating and challenging. It all began with a simple print ad seeking a “Spicy Trainer” – a role that immediately piqued my interest and ignited a passion within me. Little did I know that this…

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Unlocking Financial Empowerment: National Credit Education Month

Financial literacy is the key to economic empowerment, and National Credit Education Month shines a spotlight on the importance of understanding and managing one’s credit. This annual observance, celebrated every March, aims to raise awareness about the significance of good credit health and the role it plays in shaping our financial well-being. In this blog,…

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Heart to Heart: Member Series

The Family Security Plan® agents call members for yearly policy holder check-ins and sometimes we receive a gift – a rewarding coverage story that helped in a real time of need. We have put together some of our favorite heart-to-heart conversations to share, directly from phone calls that our agents have made. Here is an…

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Do It For The Ones You Love

My wedding. The happiest day of my life. I married my best friend and danced the night away with a mid-size group of family and friends. What did I really know about marriage? Not a whole lot! Of course I factored changing my name, moving in together, picking out furniture, and kids down the road into…

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FINANCIAL IMPACT OF AN ACCIDENT

Accidents are unpredictable, and their consequences can extend beyond physical well-being to impact your financial stability. Did you know that medical debt from unpaid medical bills, is the leading cause of bankruptcy in the United States? 100 million or 40 percent of U.S. adults are currently in debt because of medical bills.1 Let’s explore the…

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New Year…New (Financial) Me

Each New Year’s the clock strikes midnight and we all vow to stick to our New Year’s resolution. How many of us actually do? The truth is, only 9% of people achieve their New Year’s resolution.* Resolutions are easiest to stick to when they are realistic. Resolutions are also easier when they can benefit and…

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The Crucial Connection Between Breast Cancer and Critical Illness Insurance

Breast cancer affects millions of women worldwide. In 2023, it’s estimated among woman in the U.S. there will be 297,790 new cases of invasive breast cancer. It’s a disease that touches the lives of not only the individuals diagnosed but also their families and communities. In this blog, we’ll explore the significance of breast cancer…

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DRAMA! How Do You Handle it?

By David Sussman, CEO PFP | The Family Security Plan® In the middle of our personal story, “life” happens.  It’s messy, unpredictable and tough.  Since we already knew life is not all rainbows and butterflies, we appreciate those moments when things are calm, beautiful and predictable.  In short, drama knocks us around, derails our plans…

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Real Communication: The unimaginably positive impact from shutting America down.

David Sussman, CEO, PFP | The Family Security Plan® It would be incredibly insensitive and simply ridiculous to point towards a positive outcome as a result of a worldwide pandemic without acknowledging the devastation of life and livelihood.  The entire planet has been ripped from its former path.  We are left praying every day for…

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We Love Healthcare Workers!

“They may forget your name, but they will never forget how you made them feel.” -Maya Angelou May is the month we celebrate our healthcare workers and it has always been a celebration close to our hearts here at PFP | The Family Security Plan®. This year, we invite you to say thank you to…

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If you had a Crystal Ball…

By: David Sussman, CEO PFP | The Family Security Plan® I’m a magician… If I told you this blog was about insurance, everyone would disappear.  Vwallah!! But here is the toughest part of the ‘act’.  With the following words, everyone would stay right where they are, and finish reading this blog post… “You have a…

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