PivotCare Team - Favorite Halloween Costumes

The PivotCare Team families enjoy celebrating Halloween.  You will find some of the best Halloween costumes for babies and children, via our friends at Pinterest/PivotInsurance.  The only thing better than a baby is a baby in a great Halloween costume. Below are some of our favorite creative ideas for babies and toddlers.

1.Oompa Loompa

Green hair and a Wonka Bar? It doesn’t get much cuter!

 2. Holly Golightly from Breakfast At Tiffany

  

Audrey Hepburn's iconic character has some serious competition from this tiny fashionista. 

3.Scuba Diver

This darling little one is making a splash in this amazing costume complete with paci-powered scuba equipment.

4.Haunted House

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5.Gumball Machine

A delightful do-it-yourself costume that is sure to stand out.

6.Clark Kent/Superman

It’s a bird,it’s a plane,it’s….the cutest thing we’ve ever seen!

7.The Very Hungry Caterpillar and Beautiful Butterfly

Brother and sister preciousness based on the  beloved children’s book

8.Pinata

9.Pink Poodle

The sweetest dog on the block !

Elvis

It’s good to be (the) King!

 

See more on our PivotCare Team at Pivot.com, your Life Insurance Marketplace for Life's Pivotal Moments.  Get a free life insurance quote today!

Planning for Retirement-Is Your Life Insurance Working for You?

Life is full of moments when life insurance should be reconsidered or reevaluated. These times are Pivotal Moments - those instances when you’ve reached a turning point or a milestone, and when the foundation of your life changes. Having a baby, buying your first home, and receiving a promotion at work are just a few of these pivotal moments. Another of these moments is when you decide to retire.

Your retirement is most likely something that is well thought out, and for many it feels like it can’t get here soon enough. Life insurance may not be top-of-mind during this time, but it’s something that should be considered carefully once you decide to retire. Retirement is often met with many changes in lifestyle, especially when it comes to your daily lifestyle. Life insurance and whether or not you make changes to your life insurance policy are things you should evaluate when retirement is on your horizon. Retirement is well deserved and should be enjoyed to the fullest. Having your life insurance arranged the right way, for your specific situation, will help you enjoy your retirement worry-free.

What should you do with your life insurance policy when you decide to retire? Some couples cancel their life insurance policies as they enter into retirement. The thought process here is that if retirement is well planned for, there would be no immediate loss of income for the surviving partner, should the policyholder pass away. However this may be an unrealistic expectation and for many retirees, life insurance can make a big difference financially and emotionally if the life insurance policyholder passes away. There are many expenses that arise, such as funeral costs, that could be covered more easily by a life insurance policy.  Having the right life insurance coverage for your situation helps protect your family against unforeseen costs.

In planning for retirement, there are many steps that must be taken. However, we should point out that simply the act of planning is key. When you near retirement, hopefully you’re taking a close look at your financial investments and commitments. Also, you should be closely considering non-financial factors such as your health, your lifestyle, and your plans for the future, especially any major financial investments you may be making. All of these things and more should factor into your retirement planning, which is why you should speak with a professional life insurance representative when evaluating if your life insurance coverage is still right for you. With the help of a professional life insurance expert, you can determine the type of life insurance policy that’s best for you, and the variations of the policy that fit your specific situation as a retiree. Your life insurance advisor will help you ensure that your family’s future is financially secure in the event of your passing. Retirement for many is often referred to as the greatest years of one’s life. Having adequate life insurance can help you truly enjoy your retirement years to the fullest.

Learn more at Pivot.com, your Life Insurance Marketplace for Life's Pivotal Moments.  Get a free life insurance quote today!

Decisions About Life Insurance Come with Marriage

When thinking about your impending marriage you are probably thinking about all of the ways that you will be merging two households and lives for that matter. With so many things to think about, make sure decisions about life insurance aren’t lost in the shuffle. If either of you have life insurance policies already, may have some decisions to make regarding what you want to do with them when you get married.

The first step is to look at your life insurance policy and see if it would be better served by putting it together with your new spouse’s. There are some things that you should remember when you are combining life insurance policies with your new spouse. First of all, when you are examining your life insurance policies, you want to be sure that you are able to benefit from the way that things are set up. For instance, if you have a life insurance policy through work, you might not be able to add your spouse. Talk with your current provider to see what you are able to do with your insurance policy.

If you have purchased life insurance privately before you get married, you want to see if your policies will work if you put them together. Some married couples find it much easier to leave their policies separate, because that way they can be sure that they are both covered. If something happens to one of them, the other will still have the same policy.

On the other hand, many couples end up ending separate policies opting for joint policies instead. It is a good option because they will be able to be covered together and it is usually less expensive. If you both already have policies, you might be able to find a better deal by choose to go with a joint policy.

Life insurance is just another way of loving and protecting each other under even the most unimaginable situations in your marriage .With the right policy in place you can rest easy, knowing that if something should happen to you, your spouse be taken care of.

If you’re engaged, make one of your first steps calling your local life insurance marketplace professional. Your local agent can advise you and your significant other on your existing policies and or new coverage within your budget, as well as how much life insurance you should have in relation to your income, assets, and other factors.

 

See more on Pivot.com, your life insurance marketplace for life insurance when getting married.  Get a free life insurance quote today!

  

Bringing Life Insurance Into Focus for Retirement

When you’re heading into retirement, there are many things that will likely be top of mind for you besides life insurance. For example, you’ll be thinking about your savings, your family’s well being, your upcoming spare time, and so much more. Even if life insurance isn’t something you think about when you’re edging into retirement, it’s important nonetheless and something that you should consider regardless of where you are in the retirement process.
 

There are many times in life that should bring life insurance into focus.  Buying your first home, having a baby, getting a promotion, and more are all life changes, or pivotal moments, that should make you wonder - Do I have the right kind of life insurance? Depending on the policy you had before and the changes you’re undergoing, the life insurance coverage you have might not meet your family’s current needs. Life insurance can be a difficult topic to consider, and it may not seem as urgent as other things do when retirement is looming. However, determining your life insurance set up now will help you continue to build a promising future for your spouse and children, even after you retire. And if you have a life insurance policy provided to you by your employer, retirement is especially the right time to determine your life insurance policy basics and what you should have - and in many cases, additional life insurance is most likely necessary in order to have the best coverage available. After all the purpose of life insurance is to provide your family with a safety net that is big enough for every need your family might have.  

So, who needs life insurance? Let’s ask this instead - do you have anyone relying on you?  If you do, then you need life insurance. Life insurance is meant to provide for families after a death. So, the question goes beyond, do you need life insurance… Do you have enough life insurance?
 

There are different types of coverage to consider. Each life insurance type can potentially be customized further to your specifications. Permanent, or whole, life insurance policies are built to run from the time of purchase until the event of death, regardless of age. You can buy these policies at any time, although it’s more common for younger adults to purchase permanent life insurance policies. Permanent life insurance policies can also be borrowed against without taxation, so if you’re investing funds prior to retirement, permanent life insurance is a great option. Permanent life insurance typically also involves some type of investment or money market account, which over time can increase the value of your life insurance policy. On the other hand, term life insurance policies are cheaper, but only cover a specific time period - such as from the time of purchase until the event of death or to a certain age. While term life insurance is a great way to cover your family at a lower cost, it’s important to work with a life insurance professional to make sure you have the coverage you need and that you aren’t under-insured. The type of life insurance that’s right for you depends on your financial situation, your goals, your budget, and many other factors.
 

So how do you go about determining the right life insurance policy for you and your family? A typical industry standard is to purchase enough life insurance to replace five to seven years of your salary, however, many families plan for more than this depending on their lifestyle, the number of kids they have, the age of their children, if you have a mortgage, and much more. If you’re retiring, you can use your average salary as a way to estimate what five to seven years of income would be, but it’s best to work with a life insurance professional to make sure you have all your bases covered.
 

It’s also important to note that not all life insurance providers are created equally. When you’re comparing two different life insurance policies and contemplating which to purchase, you may think you’re comparing apples to apples - but that may not be the case. Working with a life insurance specialist will help you examine all your options and understand your choice on a deep level. Life insurance isn’t something to be taken lightly, especially as you near retirement. Give yourself peace of mind by selecting life insurance that fits you and your family. Then, you can enjoy your retirement knowing that your family’s future is secure.

 

Visit Pivot.com, your life insurance marketplace today for a free life insurance quote.