The Gerber Life Parenting Blog

Everyone likes a good guarantee in life, right? Guaranteed life insurance, sometimes called guaranteed acceptance life insurance, carries no financial risks.

If you have put off purchasing life insurance until after the age of 50, you may think it’s too late. But that’s not the case.  A life insurance company, such as Gerber Life, will insure you with a guaranteed whole life insurance policy between $3,000 and $15,000 if you are between the ages of 50 and 75..

You may be happily surprised at the effects of your everyday conservation efforts, not to mention the great cost savings you can expect. And all this can be achieved without drastically changing your lifestyle.

Little Things Mean a Lot

You need not deprive yourself of important things to be environmentally friendly and save money, too. It’s the little things that count. Saving little bits of energy and resources will make a positive impact on your budget, however tight it may be.

For example, in summer, raise your air conditioning thermostat to just 78 degrees to save energy—and money. It’s not necessary that you freeze yourself to feel cooler. Air conditioning systems, whether central or window units, first reduce humidity, which automatically makes you feel cooler. A couple of degrees warmer will become just as comfortable as the temperature you’ve been using.

We all want to stay fit and healthy, no matter our age. Luckily it doesn’t take a fad diet or adherence to the latest exercise craze to stay in shape and pass the dreaded annual physical with flying colors. All you have to do is follow one simple formula: daily exercise + healthy nutrition = a fit and healthy you.

If last year’s annual physical left you feeling depressed or hopeless, have no fear. It really doesn’t take much to whip yourself back into shape. Most doctors agree that 20 to 30 minutes of daily exercise is enough to decrease your risk of diabetes, heart disease, obesity, and cancer. Need workout suggestions? Consider a brisk evening walk or a quick swim in the morning before work.

Life insurance plans—just like families—come in many different shapes and sizes. It helps to understand the basic types of life insurance policies before you select the one that will best fit your budget and protect your family in case anything should happen to you.

Term Life Insurance Plans

The most basic—and most affordable—life insurance plan is term life insurance coverage. You purchase this coverage for a specific period of time. If you die while the term life insurance is in force, your beneficiary will receive the full amount of the policy. If you ever stop paying into the plan, you will lose any coverage, and the money you paid in.

Whole Life Insurance Policy

When you purchase a whole life insurance policy, you will pay set premiums through the life of the policy. Your insurance company will invest the money and whenever you pass, your beneficiary will receive the full amount of the policy. You may also receive dividends from your investment in a whole life insurance policy.

Gerber Life has a variety of life insurance plans to fit your family’s needs. Contact us for more information on life insurance plans.

If you’re dedicated to doing everything in your power to create a healthy environment for your home and the world around you, you should be pleasantly surprised – even incredibly, amazingly excited – to learn that there’s a worldwide effort underway by governments, corporations, and individuals just like yourself to craft sustainable energy solutions that will make the world a better place. Here are some of the initiatives underway right now.

• Biofuel – For those looking forward to a time when the world will be less dependent on the burning of fossil fuels to meet our growing energy demands, biofuel offers a light at the end of the tunnel. Biofuel is created by using organic materials like soybeans and corn, and its continued development will make it a far more affordable and practical alternative in coming years.