What You Need To Know When Taking Your First Life Insurance Health Exam

What You Need To Know When Taking Your First Life Insurance Health Exam

Health
If you need a life insurance policy, and this is your first time ever exploring your options, you might be a bit surprised to learn that many insurance providers will want you to take a two-part health examination prior to extending coverage to you. This is called a life insurance health exam (or life insurance medical exam), and its purpose is to allow you life insurance to learn more about your medical history and picture of your current state of health. This, in turn, allows them to decide whether or not they will accept your insurance policy application, and, if they do, what your annual premium will be. Here’s what you need to know about both the exam and what insurers are looking for. Why Do You Need To Take…
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What To Expect After Divorcing An Alcoholic Spouse

What To Expect After Divorcing An Alcoholic Spouse

Family
Having to deal with alcoholism within a relationship can be a harrowing experience. The stress and arguments are enough on their own, but as many who have dealt with alcoholics, and even experts like Boulder felony DUI lawyer Moorhead Law can attest — the repeated run-ins with the law can make marriage to an alcoholic that much more trying. Unfortunately, that strain doesn’t simply go away after divorce, and there’s often more hurdles to surmount both during and after your split from an alcoholic partner. If you’re preparing to divorce a spouse and alcoholism has played a significant role in your relationship, here are a few things that you might expect moving forward. There’s A Continuous Burden Both during and after your separation, you’ll notice that your spouse’s addiction will…
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Best value second hand cars you can buy

Best value second hand cars you can buy

Family
From cars to trucks and SUVs, new vehicles are becoming increasingly expensive. If you need a new ride but are worried about budget restraints, then a used vehicle is often your best bet. People are often afraid of buying used because they’re worried about purchasing a lemon and speak with accident attorney Dan Rose. That doesn’t have to be the case, though. Did you know that after three years a car loses roughly half of its value? It’s true, and it means you can own a relatively new car at a fraction of the cost. You still need to pick out a worthwhile purchase, which is why this list contains the best value second-hand cars you can buy.  For Under $10,000 Securing a loan for ten-grand isn’t too much of…
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Worst commercial truck accidents

Worst commercial truck accidents

Life
There’s always the risk of being involved in an accident when you get behind the wheel, whether it’s a simple bump on the fender or something more serious. However, accidents involving tractor trailers tend to be some of the worst.  Roughly 5,000 fatal crashes take place each year involving large trucks. While each is a tragedy, some are worse than others. These are the worst commercial truck accidents ever recorded in history.  November 10, 1973 Doi Inthanon is located in Chiang Mai, Thailand. There, a truck was transporting 70 workers to their job site when the driver lost control. The truck veered off of a steep road, injuring 20 and killing 40 people altogether.  July 11, 1978 This is incident is known as the Los Alfaques Disaster, which took place…
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Hidden injuries to watch out for after a car accident

Hidden injuries to watch out for after a car accident

Health
Broken bones, whiplash, and lacerations are all easily identifiable injuries after an auto accident. However, drivers and passengers alike can also suffer a host of unseen complications that may not surface for days or weeks. Here are five hidden injuries to watch out for after being involved in a car accident.  1. Herniated Discs Neck and back strains are common and often the cause of whiplash, but they can be more serious than the pain felt from strained muscles. The force of two vehicles colliding can be enough to rupture the tissue between your spine’s vertebrae.  The tissue will balloon outward from the spinal column, eventually breaking. This puts pressure on the nerves, causing severe pain, and can lead to a loss of feeling in the limbs. A herniated disc…
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The Difference Between Ride-Hailing and Ride-Sharing

The Difference Between Ride-Hailing and Ride-Sharing

Travel
With the introduction of companies like Uber and Lyft, the dynamics of transportation have changed forever. These ride or cab services have also expanded the terminology people use to describe them, which leads to a little confusion. You’ve probably heard of these services referred to as ride-sharing, but have you heard the term ride-hailing? People often get the two confused since they sound so similar. However, both terms have completely different meanings. Ride-Hailing Hailing a ride means the same thing as hiring a personal driver. In most cases, a rider would either hail a taxi from the side of the road or use a ride service like Uber. The driver then takes the rider to their destination without any stops in-between. Ride-hailing can include stops if the rider wishes. It…
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