How to Choose a Life Insurance Company

When it comes to life insurance, the older you get, the more expensive a policy becomes. That is why experts recommend finding a life insurance company while you’re still young.

There are a few things to consider before deciding on a life insurance policy. The options can seem overwhelming because there are so many companies to choose from. But fear not; we’ve got you covered. We are going to help you narrow down the options.

Read on to learn about what life insurance policies offer and how to choose a life insurance company that will fit your needs best.

Rates 

When considering how to choose a life insurance company, one of the first things that naturally comes to mind is the price. Rest assured that life insurance comes in all shapes and sizes, so you will likely find one that fits your budget.

Before settling on a company or thinking you don’t qualify for a policy, shop around. Life insurance policies are not one size fits all, so life insurance quotes will vary based on the individual and their details. Age and location are a couple of the things an insurance company will take into consideration.

Work out your budget, and then contact several companies to get a few different quotes. This will give you enough information to then compare the costs and services each company provides.

Financial Stability and Track Record

Don’t be tempted by a low rate until you have done your research. It is worthwhile to look into how financially stable a company is before making any decisions.

After all, life insurance is supposed to last quite some time. It will probably be many years until you kick the bucket, so you will want to make sure that the life insurance company is going to be in good standing and still in existence well into the future.

Research the company’s track record in terms of whether it follows through with promises and treats its customers well. You can find this information through insurance departments, which keep track of complaints, disputes, policy cancellations, and so on.

Coverage

And now for the question of the day—what does life insurance cover?

There are a couple of types of life insurance to choose from depending on your needs. There is term life insurance, which is valid for a particular period, and then it disappears. There is also whole life insurance, which is more expensive, but it will be valid for the rest of your life.

Life insurance covers all the needs of your beneficiaries in the case of your demise. This includes child care costs, household bills, funeral costs, medical care expenses, and any debt that is owed.

Now You Know How to Choose a Life Insurance Company

Although there is a lot to consider before committing to a life insurance company, if you follow the tips in this article, you shouldn’t have any problems locking in a contract with the company that will serve you best.

Now that you know how to choose a life insurance company, don’t wait any longer because your policy options will continue to become more expensive. Get out there, find the best policy for you, and sign on the dotted line before your rates skyrocket.

Browse our website for more helpful content. We’re sure that you will find advice for whatever you’re looking for.

5 of the Best Mortgage Software Programs Your Brokerage Should Be Using

Mortgage software doesn’t have to be boring. Mortgage brokerage firms may think that mortgage CRM software has to be clumsy and boring, but they’d be mistaken. The right mortgage software can help you easily manage your customers’ information.

Keep reading to see the top five mortgage software programs your brokerage should use now or in the future.

1. Unify CRM

Unify CRM has a marketing library offering various marketing materials. It supplies direct mail templates and campaign ideas. You can clean and sync data to avoid making duplicates or excluding details.

There are also specific email campaign features for your benefit. If you want to better your clients’ experience through post-close marketing and real-time LOS integration, give Unify a try.

2. SureFire

True to its name, SureFire is a surefire choice for loan officers. It works with over 1,000 apps, in addition to having its very own intake online 1003 app. This app makes custom links for users and notifies you upon submission of new applications.

When clients reach loan milestones, SureFire sends in-process videos to educate them. How’s that for customer service that’s a cut above?

3. Mortgage iQ

This is a high-IQ database and mortgage CRM software. In a recent update, it launched “quick action” menus that let loan officers find their way through their most popular tasks by clicking on only one button.

With its partner relationship management features, Mortgage iQ sparks stronger relationships between officers, lenders, and realtors.

4. BNTouch

Then there’s BNTouch. A primary benefit of BNTouch is its ability to custom-design digital mortgage applications. It’s simple and fast to set up, thus satisfying its users.

BNTouch nurtures leads, providing personalized promotional materials to inform clients about the mortgage process and develop relationships with them. BNTouch works especially well for small businesses but is well-equipped for large companies too.

5. Velocify LoanEngage

Velocify LoanEngage can almost do it all. It’s an all-in-one solution for marketing and sales. It approaches lead conversion from a scientific perspective so that loan officers can automate prospecting and keep track of applicants’ sales cycles.

Its Dial-iQ and LeadManager tools can merge with SalesForce to enhance the sales process. Not only that, but Velocify has also partnered with EllieMae to offer cloud-based mortgage finance software.

Velocify’s well-suited for enterprise and mid-market systems that consistently manage large volumes of leads.

In addition to all of the above, mortgage loan origination software is just a click away.

Mortgage Software Programs for Days  

There you have it. Those are five of the very best mortgage software programs. As you can see, each program has unique strengths.

While all are powerful in their own ways, you should choose the one that helps your business the most. The next time that your mortgage brokerage firm needs new software (or even before then), give one of these programs a try.

For more content that can help your business, browse the News section of the site.

Remember Lauren Goss?

In 2019, 11-time Ironman champion Lauren Goss was banned from competing for 6 months because the cream she was using for treating an ankle injury contained THC. Now, if you know a bit about the compounds in marijuana, then you know that THC or tetrahydrocannabinol causes euphoric effects. Meanwhile, CBD or cannabidiol, another chemical found in cannabis, doesn’t cause a “high.”

As an athlete or a fitness enthusiast, you might be wondering, what’s the real score when it comes to using cannabis? Here, we’ll talk about the use of cannabis in sports, focusing on the reasons why you should consider giving it a try to improve athletic performance.

First Things First: What Are the Laws on Marijuana for Athletic Events?

According to the World Anti-Doping Agency, all cannabinoids (natural and synthetic) are prohibited, except for CBD. That means if you plan to try CBD, you should make sure it’s not contaminated with THC, or like in the case of Goss, mislabeled.

Of course, with CBD products categorized as supplements, the FDA doesn’t regulate the market. That means it’s up to the consumer to evaluate which brands offer high-quality CBD products. If you’re a CBD beginner, it’s best to go for CBD isolate instead of full-spectrum products.

Now, if you plan to join a competition and there’s drug testing, you should err on the side of caution and just avoid taking CBD.

Understanding the Benefits of Cannabis in Sports

One of the benefits of marijuana is pain relief. For fans of CBD, it’s a better alternative to opioids or NSAIDs because there’s no risk of addiction and there are no side effects such as gastrointestinal issues to worry about.

If you’re training and you need to get relief from workout-induced aches and pains, topical CBD products are worth trying. Think about it, when you have a strict exercise schedule to follow and you can’t push through these sessions because of muscle pain and inflammation, you’ll try anything that can improve recovery time. For some athletes, that means using CBD and CBD-infused products.

Another benefit of CBD has to do with improving focus, which could be related to its anxiety-reducing effects. If you always feel pre-competition jitters or performance anxiety, taking CBD might help you calm down and just enjoy the game.

As for athletes who still want to keep in shape during the off-season, it’s worth looking into full-spectrum CBD products. It’s still advisable to steer clear of recreational marijuana, though, unless bills to legalize recreational marijuana get adopted nationwide.

Want to Know More Cannabis News and Features?

Now that you know more about the use of cannabis in sports, you might be interested in learning about the industry.

For more news on CBD, cannabis businesses, and more, feel free to check out our other articles. We also have film reviews, interviews, and other sections you might be interested in reading.

And if you liked this post, don’t hesitate to leave a comment or share it with your friends.

6 Critical Signs It’s Time to Deep Clean Your House

Spring Cleaning isn’t the only time your home needs a good deep cleaning. You should deep clean your house periodically throughout the year. Although you dust and wipe the counters down each weekend and fold the laundry, all those cracks and hard-to-reach places need cleaning every so often as well.

Have you been looking at your home lately, wondering if it’s time for a deep cleaning? Are you not sure what to deep clean in your house or where to even begin? How will you know if it’s time to scrub down your entire home?

In our guide below, we list several signs your home will give you when it’s time to complete a deep clean. Continue reading below for everything you need to know about how to deep clean your house and know when it’s time!

1. Your Home Is Making You Sick

When a home becomes filled with dust, dirt, or even mold, it can begin to make its owners sick. Are you constantly sneezing when you’re inside your own home? Do you feel as though your allergies get worst when you’re home?

This could be due to a dust mite allergy or an allergy to mold. Although dust on the bookshelf might seem harmless, it could be the reason for your stuffy and runny nose. If mold is growing in the home, then you might not be aware of it until the problem worsens.

Deep clean your home on a regular basis to ensure all dust is removed and to spot signs of mold in the home.

2. You Avoid Specific Rooms 

Do you notice yourself avoiding specific rooms in your home? Do you dread going down into the basement to find something or in the garage? Do you keep a certain door or two in your home always shut to avoid looking inside it?

This might be a sign it’s time for deep cleaning. What lingers behind those closed doors? Are there boxes piled high to the ceiling?

Why give up the extra space those rooms provide you when a deep cleaning could be your answer? It’s time to get into those rooms and tackle the mess. The result could be a new office space, an additional or guest bedroom, and more.

3. The Walls and Carpets Have Stains

When spills happen in the home, you make sure to clean up the spill, but spills sometimes stain areas surrounding them as well. For example, if a drink spills on the floor, you clean up the floor.

What you might not realize, however, is that it also splashed on the wall, behind the trashcan, on the refrigerator door, and on top of your cabinets. Take the time to look around your home for any stains on the walls, carpets, and a few other places.

If you notice a few stains, even small ones, you’ll want to complete a deep clean to have all stains removed. Don’t forget to check the ceilings as well. Any signs of leaks or water damage stains could also be signs of mold.

You’ll want to have these cleaned, repaired, or checked out as well.

4. Stubborn Dirt Won’t Wash Away

When conducting a deep house cleaning, you’ll want to touch all rooms in the home. Then, it’s essential to look in all those places you don’t normally look at. There might be more of those places than you think.

For example, look in the window tracks, on the baseboards, and under the cabinets. There’s a good chance that there’s built-up dust or dirt in all of these places. If you can’t see to get these areas to come clean, it might be because the dirt has settled there for too long.

In this case, you’ll need to break out all your tough cleaning products and prepare to do a deep clean. There are some tips and cleaning hacks for removing stubborn dirt from these places. Be sure to do a bit of research to make the cleaning process easier for you.

5. You Haven’t Done a Deep Clean in a While

One sure sign it’s time for deep cleaning is if you haven’t done a deep clean in a long time. When’s the last time you remember scrubbing the baseboards, cleaning the window screens, and decluttering?

To start, you can make several piles of all items in a room. Make a pile of things to donate or sell, one of the items to keep, and one for stuff to throw away. This is a great way to get a lot of stuff out of the house.

Once you’ve cleared up some space, you can then begin to organize and clean!

6. The House Still Feels Dirty After Cleaning

If your house still feels like it’s dirty even after you’ve completed your normal cleaning routine, then a deep cleaning is most likely in order. No matter how many times you wipe down the counters and dust the fans, something still feels dirty to you.

At this moment, you might even want to consider hiring professional cleaning services to come in and complete a deep cleaning for you. The end result should be a refreshing feeling and a home that smells, feels and looks clean.

Do You Need to Deep Clean Your House?

Is your house screaming for a good deep cleaning? Use this guide to determine if it’s time to deep clean your house. Once you’re able to get your home deep cleaned, you’ll be left feeling refreshed and your home will appear brand new!

If you’re interested in more posts on real estate and home or a few other topics as well, then don’t forget to keep checking back on a daily basis.