Tag: health

group life insurance, health, life insurance, protection, risk management

Job Change, Group Life Insurance and Russian Roulette

James Cox

In the United States, there is a huge number of households which are unprotected or under protected by Life Insurance. In a 2018 LIMRA study 7 in 10 households believed they would be in serious financial distress if an adult in the household passed away. (1)

In an updated 2024 LIMRA study, 49% of American households were found to have no life insurance.

Of the households that have life insurance, 42% state they do not have sufficient life insurance to count themselves as protected.

One vehicle that many people rely upon for protection is Group Life Insurance. When offered as a company benefit, it can inexpensively provide protection for many people… but it only does so while the insured works for the company.

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Climate change, environment, health, Veganism

Changing the Corporate Menu is a Great First Step

James Cox

One of the most impactful actions people can take in addressing the climate crisis is to change their diet from the Standard American Diet (SAD) based on heavy meat consumption, to a plant-based vegan diet. (1)

Animal agriculture and Concentrated Animal Farming Operations (CAFOs) are a primary cause of CO2 and methane, the two main gases contributing to rising temperatures worldwide. The farming of animals also drives deforestation and environmental breakdown, aggravating the crisis.

By shifting to a plant-based diet we can start reducing our demand on our fragile planet.

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health, life insurance, protection, risk management, Veganism

life insurance and a healthy plant-based diet could be good ways to manage risk

James Cox

The purpose of life insurance is to manage risk. Individuals and families need protection in the event a primary bread winner passes away.

Several factors drive what life insurance costs for an individual. Women tend to live longer, so their cost for life insurance is lower than it is for men. The healthier a person is, the less expensive it is for them to obtain life insurance. People who smoke pay significantly more for life insurance.

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