All Articles With Category : Personal Finance

The latest and the best financial news, tips and tricks.

To Invest or To Save: What Should I Do With My Money?

When you were young, the fable where ants were saving up food crumbs for the rainy days stuck with you. At that age, you already knew what to do with your allowance in case you need to buy materials for your art project or you just want to treat yourself to a cone of ice cream by the end of the school week. Your parents and even your teachers might have even taught you that saving up would help you become rich. However, your perspective changed when you grew up. The fable of the ants still holds true, but the reminder of the adults from your younger years is quite far from reality. If you want to build your wealth, you are not supposed to just save. You need to make your money work for you – you need to invest! It’s understandable that personal finance newbies and novice investors think of saving and investing as almost the same thing. However, if you compare investments vs savings, they are two different concepts and understanding both of them will help you map out your financial future. Investments vs Savings Saving, in essence, is the act of setting aside money for future expenses, unforeseen needs, and emergencies. It’s the money that you can withdraw quickly from your bank account. However, you can also use your savings for long-term goals, such as raising funds for a home down payment or building your capital for a small business. Practically, there is no risk involved in saving unless your expenditures are much bigger than your…

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How Close Are You to Getting FIRE-d?

Excuse my clever pun. I’m not talking about the hot fire or the unemployed kind of fire. Instead, I’m talking about the kind of fire that’s so good, it had to be an acronym. That’s right, how close are you to getting FIRE-d? That’s a question you should be asking yourself because the FIRE method of retirement is something you should consider aspiring. What is FIRE Movement? Before we answer the burning question, let’s first define what the FIRE method of retirement is. FIRE means Financial Independence/Retire Early and it involves retiring in your late 30s or early 40’s instead of the traditional retirement age at around 60. It started gaining traction in 1992[1] and since then, millennials have subscribed to the idea of retiring early. There are many ways to get started with the FIRE movement, but it usually involves saving a lot and growing your money to a huge amount that you won’t need a job to sustain your lifestyle. It sounds like a pipe dream, but it’s entirely doable as long as you put your mind to it. Retire early and follow your passion without anything holding you back. That’s the FIRE-d life. So at this point in your life, do you have the right mindset to start the FIRE method of retirement next year? Find out how financially ready you are in this short FIRE quiz that’s totally lit, yo. Read more: Retirement Fund 101: Plan, Save and Invest for Early Retirement Are You Ready to Get FIRE-d? Answer Truthfully! 1. Here’s one that hits close…

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Seller’s Quick Guide to Dropshipping in the Philippines

Gone are the days when starting a business means finding a location where you can set up shop or scout for multiple staff members who will man your store. Doing business in this age is possible even if you’re alone and doing it within the confines of your home. All you need are these: an online shop, a strong Internet connection, and a trusty supplier. However, one thing that puts off budding online businesspeople is the product inventory. Ultimately, you will still need to source products from a supplier and find ample space where you can keep them. You can actually solve such inventory problems when you’re dropshipping. This concept of business has been around for a long time, which proves its profitability. If you want to dip your toes into business, then dropshipping in the Philippines might be ideal for you. Read on to learn the pros and cons and how to become a dropshipper in the Philippines. What is Dropshipping Business? Usually, online businesses always have products on hand to sell. But that is not the case when it comes to dropshipping. Dropshipping is an order fulfillment method meaning you work as the intermediary between your customer and your supplier of products. How Does Dropshipping in the Philippines Work? First, you set up your online shop and post your products there. Your customers will then place their orders at your shop. After you see your customers’ orders, you will then relay them to your supplier. Your supplier, on the other hand, accepts the orders and delivers the products…

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Big Deliveries? Complete Guide to Transportify Services and Rates in the Philippines

With the likes of LBC, GrabExpress, and Lalamove dominating the courier services market in the Philippines, there’s another promising yet underrated online delivery platform you might not have heard of—the Transportify app. Transportify differentiates itself from other logistics companies by offering a broad selection of vehicles built for heavy-duty deliveries at affordable rates. Whether you’re a small business owner who needs to deliver products to customers or someone moving to a new home or buying furniture and appliances, there’s a suitable vehicle you can book through the Transportify app. Here’s everything you need to know about Transportify app features, services, and rates in the Philippines. What is Transportify? Transportify[1] is an app-based trucking logistics company that provides on-demand, same-day, and door-to-door pick-up and delivery services in Metro Manila and Luzon. Launched in the Philippines in 2016, Transportify also operates in Thailand and Indonesia under Deliveree Group. Transportify App Features Through the Transportify web app or mobile app, individuals and businesses can book and manage deliveries of goods, cargo, merchandise, and more. Various features in the app make it easy and convenient for customers to do so. 1. Real-Time Transportify Tracking Using Global Positioning System (GPS) technology, the app allows live tracking of the whereabouts of the vehicle they booked for delivery from when the driver accepts the booking until the goods reach their destination. This Transportify tracking feature shows real-time ETAs (estimated time of arrival), so customers know when to expect the driver to arrive at their location for pickup and when the item will be delivered. 2. Flexible Booking Schedules…

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Money Market Fund: Is It the Right Investment for You?

Are you looking for a short-term investment with higher returns compared to a regular savings account? Money market funds is a good option. It’s perfect for investors who have low to moderate risk tolerance and prefer to keep the liquidity of their funds. In this article, we will talk about what a money market fund is, how it works, and what its pros and cons are. We’ll also quickly run through a list of money market funds that you can check out so you can get investing soon! What is a money market fund? The money market is a segment of the financial market where high-liquidity financial instruments with short term (6-12 months) maturities are traded. A money market fund, on the other hand, is a type of mutual fund that invests in low-risk and short-term debt securities. For this type of fund, maturity is just 6 months to 1 year. It’s considered one of the safest and least risky investment options available because of its high liquidity. What are some money market fund examples? Investors usually use money market funds for low-risk holdings in a portfolio. Funds are invested in highly marketable and short-term debt instruments[1], like government and money market securities (treasury bills, treasury bonds, certificates of deposits, commercial paper, etc.). Read more: Complete Guide to Investing in Mutual Funds in the Philippines Is a money market fund the same as a money market account? Sometimes called a money market deposit account, a money market account pays interest based on current money market interest rates.  Money market funds, on…

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PERA Investment Guide to Opening an Account Plus Pros and Cons

The problem with retirement planning in the Philippines—aside from the lack of it—is the limited investment choices available for Filipinos who want to save up for when they retire. Addressing that challenge, the government offers the Personal Equity and Retirement Account or PERA as an additional source of retirement income to help Filipinos achieve a comfortable and financially secure retirement. Will a PERA investment suit your retirement goals? Here’s a guide to help you decide whether it’s worth investing in PERA or not, and the steps to opening a PERA account in the Philippines. What is PERA Investment? PERA is a long-term and tax-free voluntary retirement investment program in the Philippines. Created through Republic Act 9505[1], PERA is similar to the Individual Retirement Account (IRA) and 401(k) retirement plans in the United States. The PERA law is meant to encourage Filipinos to save money for retirement through generous tax benefits for investment earnings held for five years or longer and until the age of 55. Designed as an additional retirement savings option, PERA supplements rather than replaces GSIS or SSS pensions and retirement pay from private employers. Who Can Create a PERA Account? Filipinos here and abroad aged 18 and above with a Tax Identification Number (TIN), whether employed or self-employed, may open a PERA account. Below is the basic eligibility criteria and requirements: At least 18 years of old Has a source of income in the country or abroad Tax Identification Number (TIN) Current or savings account from a PERA administrator bank Valid IDs (Driver’s License, Passport, UMID, SSS ID, etc.)…

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Hazard Pay Guidelines Government and Private Employees Need to Know

Some jobs are naturally riskier than others. Doctors, nurses, firefighters, policemen, soldiers, and others in hazardous work environments put their life on the line while fulfilling their duties. If your line of work involves some risk, you deserve proper compensation through hazard pay. Don’t understand how hazard pay in the Philippines work? Here’s a complete guide for employees entitled to this benefit. What is Hazard Pay in the Philippines? Hazard pay, also called hazard allowance or hazardous duty pay, is compensation paid in addition to regular salary to workers who perform hazardous duties or whose work involves physical hardships. This is based on the Department of Budget and Management’s (DBM) definition of hazard pay[1]. In simpler terms, hazard pay is the amount you’ll receive from your employer on top of your basic salary if the nature of your work involves a high risk of getting an illness or injury or losing a life. Examples of work conditions that merit a hazard allowance include war zones, healthcare facilities, construction sites, mines, and chemical plants. Hazard pay in the Philippines is given to qualified employees either as a fixed monthly rate or as a percentage of the monthly basic salary. Who is Entitled to Hazard Pay? Not all employees are eligible for hazard pay, apparently because not everyone is exposed to hazardous work conditions. Hazard pay laws and presidential directives in the Philippines define certain types of government workers who should receive this allowance. Government Employees Administrative Order 26[2] issued by President Rodrigo Duterte on March 2020 grants COVID-19 hazard pay to…

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Debt Consolidation: Knowing Its Importance and How It Can Help Your Finances

Debts are a fact of life. Many people, from multimillionaires to corporate employees, have it. Financially healthy people even have debts, especially if they’ve bought big-ticket purchases, such as a real estate property or a car. As a financially responsible individual, you know too well that handling your debts properly will reward you with a good credit score. However, some people find it hard to cope with debts mainly because their salary and repaying power are not proportional to the credit that they have borrowed and used. Some may be attending to other important financial obligations. Nevertheless, there is one possible solution that may make repayments much easier and more efficient. Enter debt consolidation. What is debt consolidation? Debt consolidation[1] is a method of simplifying your debts, which is done by bringing multiple debts together and turning them into one payment. This can be carried out in two ways. The first is through debt consolidation loan. The second is through the transfer of existing credit card debt to another credit card. Think of it this way: imagine putting Debt #1, Debt #2, and Debt #3 in one box. That single box will then turn the three debts into a single loan. The said box will issue an invoice that states a fixed amount that you need to pay every month. When you pay that fixed amount monthly, you are actually paying for the three debts you’ve put inside that box until the agreed term ends. When is debt consolidation a good idea? You can view debt consolidation through two lenses,…

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How Smartphones Influenced Our Financial Habits

Smartphones not only changed the way we communicate, they also changed how we manage our finances. From doing your banking transactions to planning your budget, the smartphone impact on today’s financing is something that’s hard to ignore. In a society where having our little pocket computers has become a necessity, all of us are slowly adapting to the new way of financing. As a way of looking back on our progress, here’s how the smartphone impact on banking changed our financial habits. Online Banking Became More Convenient Remember when you had to fall in line at your local bank just to deposit to your savings? It seems like an old school thing to do. That’s why the financial inclusion development plans that began in 2011[1] focused on improving online banking. But back then, not everyone had desktop computers to do their banking and not everyone had access to a stable internet connection. Nowadays, you can just take out your smartphone, download your bank’s mobile app, and transfer money from your payroll to your savings. You didn’t even have to stand up. That’s the power of mobile banking apps. Every top bank in the Philippines now has a dedicated online banking app, making it more convenient than ever to bank. Read more: How the COVID-19 Pandemic is Changing the Way We Bank Opening a Bank Account is a Lot Easier Opening a savings account from your local bank used to be a drag. You had to compile a bunch of documents, line up again to process your application, and wait for…

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VUL Insurance in the Philippines: What Is it and Should I Get One?

An insurance agent, who happens to be your friend or relative, is selling VUL insurance to you. But you aren’t sure if getting this type of insurance is a wise investment decision. Should you invest in a VUL policy? And what is VUL insurance in the Philippines, anyway? A VUL insurance policy comes with pros and cons that you need to consider before putting your money in it. Understand what VUL is, its benefits, and risks to know if this is the right insurance with investment in the Philippines. Here’s an objective guide to help you decide whether to purchase a VUL plan or explore other options. What is VUL and How Does it Work? Variable Universal Life Insurance. also known as Variable Unit-Linked Insurance or VUL, is a permanent life insurance and investment rolled into one product. It provides living, death, and disability benefits plus an investment component. In the Philippines, the usual practice is that 5% of the VUL insurance premium goes to the cost of insurance, while 95% goes to investments. It’s crucial to highlight the meaning of the terms “variable” and “permanent” in VUL: Variable means the investment returns vary depending on the rise and fall of the markets where the premium is invested. As a permanent insurance policy, VUL won’t expire and you’re insured for as long as you keep paying your premiums. This makes it different from term life insurance[1], which lasts for only a certain period, typically from 20 to 30 years. For the past few years, VUL has been a popular financial product…

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PNB Online Banking Guide to Balance Check, Sending Money, Paying Bills and More

Online banking is the new norm for financial transactions in the Philippines during the pandemic (and most likely even when it’s over). PNB is no exception—like other banks in the Philippines, it actively promotes its PNB online banking channels, officially called PNB Digital Banking. If you have a PNB account, you’ll be glad to know that both PNB Internet Banking and PNB Mobile Banking App are among the easiest to use for different types of transactions. You can conveniently monitor your account balances, send money, pay bills, open and manage UITF investments, and order checkbooks. No need to go to a PNB branch because you can transact from home using your laptop or smartphone instead. Here’s a simple guide to completing transactions using PNB online banking platforms. PNB Online Banking Registration Who Can Enroll in PNB Digital Banking? You can register to PNB Digital Banking if you have any of the following PNB accounts: ATM/Debit/Passbook savings account Checking account SSS/GSIS pensioner account Joint/OR account Credit card account PNB clients with corporate or joint/AND accounts cannot enroll in PNB’s online banking facility. How to Enroll in PNB Online Banking Using your PNB ATM/debit card, you can register for a PNB Digital Banking account either through PNB Internet Banking or PNB Mobile App. Regardless of the channel you use for PNB online banking enrollment, the registration steps are the same. Go to the PNB Internet Banking website or download the PNB Mobile Banking App in the App Store or Google Play Store[1]. On the login page, click or tap on “Sign Up.”…

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Online Business Ideas You Can Start Even with Small Capital

Running an online business and being your own boss definitely has its appeal. In fact, it’s so enticing that the number of registered online businesses in the country is now 40 times more in the past five months[1]. Definitely, the internet is a great medium to connect with customers without leaving home. However, starting an online business also has its challenges—the biggest one is coming up with enough money for capital. But don’t worry because there are many online business ideas you can start for as low as PHP 2,000. Want to take the leap? Keep on reading to learn more about online business ideas in the Philippines you can start in 2020. Online Business Ideas 2022 1. Make Artisanal Candles Aromatherapy candles can help people relax after a tiring day. They are perfect to cap off a busy workday, especially now that most professionals are working from home. They’re quite easy to make as well. Add your own flair and essential oil blends to create the most calming candles. Starting capital: PHP 5,000 – PHP 20,000 Materials and equipment needed: Double boiler Candle-making wax Wicks Essential oils Coloring agents Molds Dried flowers (optional) Tin can or glasses as containers Candle making is one of the easiest online business ideas out there. You can do it at home, even if you have a small space. The profit margin is also high, with quality, artisanal candles selling for as much as PHP 1,000 each. Read more: 10 Steps to Starting an Online Business in the Philippines 2. Offer Online Tutorials The…

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14 Mobile Banking Apps to Manage Your Accounts Better

Banking has never been this convenient, thanks to the invention of smartphones and the internet. These days, you don’t need to head down to your bank’s nearest branch to do your banking. You can just open your mobile banking apps and handle your transactions from there. But the question now is this: which mobile banking app or online banking website is best for you? Because naturally, you would choose the online banking option from your bank of choice. But not all mobile banking apps are the same. Some provide better user experience while others are struggling to get there. You might even consider opening an account for a bank with a great mobile banking app. So to give you an idea, here’s a list of mobile banking apps in the Philippines. Mobile Banking vs. Online Banking Mobile banking and online banking are often interchangeable, but there’s a distinct difference between them. It mostly lies on what device and platform you’re using to do your banking. Mobile banking involves doing your transactions using a smartphone app. Before apps became the new norm, some banks offered SMS-based mobile banking where users do their banking through text prompts or texting specific commands to the bank’s SMS banking line. Meanwhile, online banking involves using a bank’s website through a web browser. In theory, you could use your phone’s browser to access a bank’s website, but online banking is easier to access with your desktop. It’s a good backup for when mobile banking apps aren’t working right. Mobile Banking vs. Digital Banking Mobile banking has…

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Forex Brokers in the Philippines: What New Traders Need to Know

Want to trade in the forex market to earn money from home? It isn’t as simple as it sounds. Trading foreign currencies can be very risky—the potential for losing your funds is as high as the potential for earning a profit. To help you manage risks and execute your trades, you need to find a forex broker in the Philippines before you even begin trading in the FX market. Your broker will play a critical role in your forex trading journey. Thus, it’s important to understand how forex broker Philippines works and know the best options available. What is a Forex Broker? A forex broker is a financial services company that works as a middleman between traders and the foreign exchange market by executing buy or sell orders placed by their clients. Aside from forex, brokers also enable their clients to trade on other assets such as stocks, indices, commodities, metals, and cryptocurrencies. Typically, FX brokers are international companies based abroad. But even without a Philippine-based headquarters, some forex brokers can serve Filipino clients because all transactions—from account opening to fund withdrawals—are done online. What Does a Forex Broker Do? Forex brokers offer a range of services that makes trading foreign currencies easier and more affordable for their clients. Provide Easy Access to the FX Market To trade currencies in the marketplace, you need to set up a trading account. A forex broker Philippines lets you do that, so you can start trading forex online. Perform Currency Trades FX brokerages make forex trading platforms available to their clients for placing…

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Forex Trading in the Philippines: Complete Guide for Newbie Traders

Welcome to the biggest financial market in the world, the foreign exchange market or forex. This market trades over USD 5 trillion a day, making it much larger than the New York Stock Exchange (NYSE), which trades at USD 50 billion daily. While forex trading in the Philippines has not yet stepped into the limelight unlike the stock market and mutual funds, it’s still a good option to diversify your investments. Forex trading in the country may not be that big yet but it is starting to gain attention to what with the many forex trading platforms available today. Keep on reading to know more about forex trading in the Philippines and why it can be a worthwhile venture. What is Forex Trading and How Does It Work? Forex or foreign exchange trading is the act of buying and selling currencies. Buyers and sellers transfer currency between one another at an agreed price. Like any other kind of investment, the goal in forex trading is to make a profit. When you trade forex, you are betting one currency to increase its value and the other to decrease. This is how you make money in this market. Forex trading occurs between two parties, usually in an over-the-counter (OTC) market. A network of banks across major forex trading centers in various time zones run the forex market. These major centers are London, New York, Sydney, and Tokyo[1]. Since there is no definite central forex market location, trading forex can be done 24 hours a day. Different Types of Forex Market There are…

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How to Open an Account and Earn Online Using Diskartech App

Do you have a bank account? You probably think that’s a silly question. But check out what the Bangko Sentral ng Pilipinas (BSP) found in their 2017 Financial Inclusion Survey: 77.4% of Filipinos still don’t have bank accounts[1]. Good thing digital banks have started to fill the gap in a major way thanks to smartphone apps, the latest of which is the DiskarTech app. Rizal Commercial Banking Corporation (RCBC) threw its hat in the ring of emerging digital banks in the Philippines with its latest launch. DiskarTech aims to add another viable option for unbanked Filipinos to finally start getting their finances together. But how does the newcomer app work? Let this extensive DiskarTech guide show you the ropes. What is DiskarTech? RCBC touted DiskarTech as the first Taglish financial inclusion “super app” in the Philippines. Launched in July 2020, the app aims to make banking services more accessible to unbanked Filipinos nationwide, especially those who live in grassroots communities. With only a few requirements and a stable internet connection, users can open a bank account in just a few clicks. RCBC chair Helen Yuchengco-Dee explained the inspiration behind DiskarTech during its virtual launch[2]. “The change brought about by this new normal has challenged us to be even more relevant as we move forward in this new way of banking. DiskarTech will be our legacy to the young and tech-savvy Filipinos,” she said. Related Articles:  6 Simple Ways to Earn Money While on Lockdown Tonik Digital Bank: Your Guide to Neobanking in the Philippines What Can I Do with DiskarTech?…

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How to Use Paymaya App: A Complete Guide for Newbies

PayMaya is known as one of the best reloadable prepaid cards in the Philippines, as it allows several financial transactions without the need for a credit card. It also has an app similar to mobile wallets such as GCash and Coins.ph that can help you conveniently pay your bills and purchases, send money, and avail other money services without using cash anytime and anywhere. Planning to use PayMaya? Check out this comprehensive PayMaya app guide for beginners. How to Start Using the PayMaya App Steps to Register for a PayMaya Account Before you can use any feature, you need to create PayMaya account first. Here are the steps to PayMaya registration. Download the PayMaya mobile app from the App Store or Google Play Store. Fill out the online form. Once done, tap the Continue button. Read the Data Privacy Policy page and tap the Agree button. PayMaya will send you a verification number via SMS. Enter that number in the app and tap “Verify.” Tap the View Card button. Enter your address and birthday. Enter the required information under the Online Payment Card Number page. You’ll receive a confirmation of your PayMaya account activation. Got your PayMaya account activated? Remember that you have to add money on your PayMaya account first. How do I add money to my PayMaya account? Cashing in with PayMaya is simple. Just follow these steps: Log into your PayMaya App. Tap “Add Money”. Select the Add Money Partner of your choice. Follow the instructions given from the Add Money Partner of your choice. Is there a fee…

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Retirement Fund 101: Plan, Save and Invest for Early Retirement

Only 20% of Filipino senior citizens are covered by either an SSS or GSIS pension, which means more than seven million retirees have no funds to cover their retirement needs[1]. While it’s easy to ignore retirement when you’re a young adult, it’s still an investable scenario that everyone should be prepared for. This is where a retirement fund and retirement planning come in. What is Retirement Planning? Retirement planning means preparing and managing your finances for life after you stop making an income. The process involves the following: Identifying your desired retirement age Estimating the amount you need for your years of retirement Determining the source of your retirement income Identifying your retirement lifestyle Retirement planning can help you pay for emergencies you may encounter during your golden years or even tick off items in your bucket list. What is a Retirement Fund? After planning for your retirement, you need to create a retirement fund. This is any plan, fund, or scheme that will provide you retirement income. A retirement fund will help you pay bills and maintain your desired lifestyle even after you start earning an income. You can create a retirement fund by saving every month or investing. Government agencies also offer pension plans that can help you during retirement. When to Start a Retirement Fund? The long and short answer is NOW. Ideally, you should start your retirement fund in your 20s or when you get your first job. The sooner you start saving, the more time your fund can grow. However, it’s never too late to…

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How Much Do I Need to Buy a House in the Philippines?

How much does it cost to buy a home? Can I afford it? A house is the biggest investment you’ll ever make, so the expenses you’ll incur should be a major consideration in your home-buying decision. Understanding the house construction cost, taxes, and other fees you have to pay for a home purchase will help you create a realistic budget and give you ample time to get your finances ready. This also helps you avoid any unpleasant surprises and unplanned expenses. Here’s a general guide to the costs involved in buying a house in the Philippines. Note that the cost estimates here are just ballpark figures to give you an idea of how much you’ll spend as a homebuyer. What are the Upfront Costs of Buying a Home? Certain fees have to be paid outright before acquiring a home. Here are the initial expenses you should save up for to buy a home in the Philippines. 1. Reservation Fee / Earnest Money Deposit Cost: Reservation fee: PHP 15,000 to PHP 50,000 (as much as PHP 100,000 for a high-end home), depending on the property’s value Earnest money: 1% to 5% of the property’s selling price (or whatever amount the buyer and seller agree on)[1] If you plan to purchase a house or condominium unit, you have to pay a reservation fee and/or earnest money. To secure the unit you want to buy, you pay a deposit to the property developer or seller. This shows you’re serious about purchasing the property and ensures that it won’t go to another buyer. For…

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Starting a Family? Consider These 10 Family Insurance Types

You might be wondering if you really have to get different types of insurance when you already have so many expenses to deal with. Well, it’s a matter of protecting your loved ones and financially protecting yourself. Is family insurance just an added expense or a must-have for securing your family’s future? Insurance makes it affordable for you to prepare for any unforeseen events such as death, disability, illnesses, and accidents. If you get the right insurance type for your family, premium payments will cost you less now than upfront and out-of-pocket payments later. Ultimately, when the unexpected happens, insurance will lessen the financial burden to your family. What is Family Insurance? Family insurance covers the entire family for a set amount of premium. It could be a life, health, or education insurance. For example, if you get a family life insurance, your family members are covered in the event of your death. The insurance provider pays a lump sum to the surviving family of the insured person after a certain period.  This kind of insurance policy provides a financial security blanket to surviving dependents or beneficiaries after the policyholder’s death. Insurance is beneficial to everyone, particularly for families. Here are some examples of individuals who would most benefit from getting family insurance: Parents with minor children. If a parent dies, a family life insurance policy ensures that their children will have the finances they would need until they can support themselves. Families who want to cover their health expenses. A family health insurance can help parents cover the cost of health…

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