What is Term Life Insurance? Term life insurance is insurance that pays a specified amount upon the death of the insured. By its nature, a term life insurance policy is temporary. Term life policies are written to provide coverage for a specified number of years, usually from 1 year to 20 years. When term life

Hiring the right people is one of the biggest challenges small business owners face. Without the hefty bank accounts and huge HR departments of their rivals, small businesses are often left scrambling for the qualified workers they need. As a small business owner, you know how lengthy, complicated and expensive the hiring process can be.

by Bob Kieserman In the course of any given month, you are probably dealing with a wide range of people who come into your company to perform work, but whom are not your employees. They may be plumbers, electricians, HVAC contractors, contract cleaning services that vacuum the rugs and polish the floors each night, consultants

Many smokers have the mistaken belief that they can’t carry life insurance because no company would approve their application. While smokers can expect to pay more for a life insurance policy, not every company will deny an application outright. From the insurance company’s perspective, smoking is a lifestyle choice and is no different from someone

America is one of the only developed nations in the world that doesn’t necessitate companies to provide paid parental leave. Sadly, a mere 12% of U.S. employees have access to paid maternity leave. Therefore, countless working moms must decide whether to earn a living or care for their young. America does have the Family Medical

Fewer than two thirds of adults have a life insurance policy. Are you among those who think you don’t need one? Think again! There are some very important benefits of life insurance, particularly if you have dependents such as children or you hold any assets with mortgage debts. The main reason people take out a

According to the 2010 United States Census, “…nearly one in five people have a disability in the U.S.” Suffering an unexpected disability can be a painful and traumatic event in the life of a family. The effect of such a disability on the family is often multiplied when it’s the main bread winner who is

By Elizabeth Ann West Dental benefits cover routine care and restoration of a patient’s teeth and gums. Health care plans omit dental benefits like cleanings, restorations such as fillings, and therapies such as root canals or periodontal treatments. There are some instances where a health care plan will cover costs associated with dental care, but

From the smallest startup to the largest multinational corporation, efficiency and profitability go hand in hand. If you are not running your business in the most efficient manner possible, you are missing out on a golden opportunity and leaving significant earnings on the table. It does not matter how small or large your business; there

A study published in the American Journal of Health Promotion shows that a morbidly obese worker can rack up more than $4,000 annually on health care and associated costs compared to his normal-weight counterpart. The costs skyrocket when an obese employee has diabetes, high blood pressure, and high cholesterol levels. These comorbidities increase the likelihood