Life insurance is an important part of any family's financial portfolio as it offers peace of mind and financial protection if a loved one passes away. However, life insurance needs can vary over time, and coverage amounts may need to be adjusted depending on the season of life and other mitigating factors. In today's blog post, we'll look at why young families specifically benefit from additional life insurance coverage, and the factors to consider when assessing life insurance needs.

Regardless of our age, lifestyle, occupation, living situation, or geographic location, we all need insurance protection of some sort to protect our health, personal property and financial future.

Over the last three decades, the percentage of American couples living together before marriage has risen over 70%. Unfortunately, some cohabitating couples may find themselves in a dire financial situation if they do not have comprehensive insurance coverage that protects them and their property in the event of a disaster. The legal benefits and insurance coverage options available to married couples do not often apply to unmarried couples living together or sharing property.

A growing number of Americans have had to make decisions and plans regarding the immediate and long-term care of their retired or elderly loved ones. Medical advancements have greatly improved life expectancies, and as a result, many more senior citizens are thriving well into their 70's, 80's and 90's. However, there is a higher risk of liability for senior citizens living on their own, or even with other relatives, due to their increased likelihood of injuries, falls or accidents.

In the last 50 years, medical breakthroughs and technological advancements have helped extend the overall lifespan for men and women, leading to larger numbers of people living well into their 80's and 90's. As a result of parents and grandparents living longer, a growing number of adult children are tasked with caring for their relatives or making arrangements for their long-term care.

In our previous blog post, we looked at the top two distractions for teen drivers and how these distractions can quickly prove dangerous and even deadly. Parents should be aware of these driving dangers and temptations for teen drivers so they can encourage and teach safer driving habits. In the second part of this blog series, we'll look at three other distractions teen drivers should avoid to keep themselves, their passengers, and other drivers safe on the road.

Although Houston typically enjoys milder winter weather, there are many in our city that enjoy traveling to snowy parts of the country to ski, snowboard or participate in other winter sports. Although winter sports can be thrilling and invigorating, they can also be dangerous, regardless of the person's experience on the snow. Before venturing to a snowy winter destination for skiing or snowboarding, check out these three important safety tips to keep you and your loved ones safe.

The start of a new year is always a perfect opportunity for personal and professional introspection. This gives people the chance to establish goals, reviews successes and failures, and implement changes for future improvement. It is also the ideal time to review financial decisions and protections for the future, including insurance coverage.

As a new year begins, it's common for people to reflect on the past year and make resolutions for improved personal health. Unfortunately, many of these resolutions are broken after just a few months, weeks or even days. Not all New Year's resolutions have to be major undertakings – they can be simple, attainable goals and changes that can result in positive outcomes. In today's blog post, we'll look at four simple ways to have a healthier 2015.

During the holidays, nearly every major retailer offers great savings on big-ticket electronics such as flat-screen televisions, laptops, smartphones, Blu-Ray players, and video game consoles. Whether it's a gift from a loved one, or a splurge for yourself or your own family, new electronic devices are a fun addition to your home or apartment. However, when you're bringing home new electronics such as TVs or video game consoles, be smart and consider these three helpful tips to protect your new devices.