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[ad_1] The survey asks for any problem or inconvenience users have encountered when investing in or holding cryptocurrency. It also tries to understand the usage of any crypto wallet such as Coinbase Wallet etc. [ad_2] Source link

[ad_1] A few decades ago, most life insurance sales took place through an agent, and you definitely had to endure a medical exam for coverage to begin. But since online life insurance has turned the entire process upside down, you can now buy digital life insurance plans without leaving your home. With some providers, you can even get coverage as soon as the next business day. These benefits and others are part of the reason online life insurance is growing in popularity. According to the Insurance Information Institute (III), the percentage of consumers who preferred online life insurance to in-person sales grew from 17% in 2011 to 29% in 2020.  If you’re in the market for life insurance and you want to avoid working with an agent who might try high-pressure sales techniques, the best online life insurance companies are worth considering. To help you in your search, we compared the top companies in this space in terms of their offerings, processes, and ratings for financial strength. The best online life insurance companies include Bestow, Haven Life, Sproutt, and Legal & General Life Insurance, and we review all of them below. Most Important Factors for Online Life Insurance Free online quote: Buying life insurance online means not having to deal with an agent or their high-pressure tactics. With that in mind, we only selected companies that offer free online life insurance quotes for our ranking.  Strong ratings for financial strength: We also looked at providers based on their ratings for financial strength from AM Best.  Potential for no medical exam: Some online life insurance companies use advanced algorithms to approve you for life insurance without a medical exam.  Flexible options: Online life insurance companies tend to offer consumers flexibility in their plans, including the ability to tailor their coverage to their needs. Low premiums: Finally, online life insurance should absolutely have affordable monthly premiums that can fit into any budget. With a free online quote process, they should also make it easy to shop around and compare.  The 4 Best Online Life Insurance Companies of 2021 To come up with the providers in this ranking, we looked at dozens of companies based on the features listed above. Ultimately, we found that the following four online life insurance providers offer some of the best options, reasonable pricing, and transparency all along. Bestow made our ranking due to the fact they offer an easy online quote process and no medical exams ever. Haven Life has a similar process and the potential for no medical exams, and their term policies can come in amounts up to $3 million. We chose Sproutt for our ranking since they offer a robust online insurance marketplace that lets you compare options and pricing all in one place. Finally, Legal & General Life Insurance made the cut due to their low advertised rates. With Legal & General Life Insurance, you can reportedly buy term life insurance coverage for as little as $7 per month.  In summary, here are the best online life insurance providers of 2021, as well as the categories they stand out in:  Bestow: Best for no medical exam requirement Haven Life: Best for quick coverage Sproutt: Best comparison site Legal & General Life Insurance: Best for affordable premiums Online Life Insurance Reviews Our detailed reviews explain more about each of the best life insurance companies and what they have to offer. Bestow Bestow is one of the top providers of online life insurance, and it’s easy to see why. This company makes it incredibly easy to get an online quote without providing any personal information, and they offer term life insurance in amounts that range from $50,000 to $1.5 million.  You also get to tailor your coverage to your needs, with terms available in five-year increments from 10 years to 30 years. Bestow policies also use advanced algorithms to approve you for coverage, so you won’ t have to go through a medical exam.  Term coverage from Bestow is backed by North American Company for Life and Health Insurance® — an A+ rated insurer. Its policies are also reinsured by highly-rated Munich RE, so you can rest assured your coverage will be there if you need it. According to Bestow, premiums for its term life insurance coverage start at just $10 per month. What Holds It Back: Bestow policies are only available to individuals who are ages 18 to 60. This provider might not be a good option if you need life insurance during your golden years. Also, people with a felony conviction aren’t eligible and will need to buy coverage elsewhere. Finally, it’s worth noting that Bestow policies don’t have any options for riders. If you want to customize your coverage with riders for accidental death, an accelerated death benefit, or any other situation, you’ll need to look for another provider.  Get Started With Bestow Haven Life Haven Life made our ranking due to its flexible coverage options, including policies worth up to $3 million. Best of all, you can apply for coverage with Haven Life and begin your policy as soon as the next business day. This provider offers two different kinds of term life insurance: Haven Simple policies, which are fully digital with no medical exam, and  Haven Term coverage which offers higher limits and may or may not require a medical exam.  Both types of policies are underwritten by highly-rated insurers, including Mass Mutual and C.M. Life Insurance Company, a subsidiary of MassMutual. Haven Life also offers affordable premiums to those who qualify. According to the insurer, a $250,000, 20-year Haven Term policy starts at just $14.99 per month depending on your age and other factors.  What Holds It Back: Although Haven Life offers affordable term coverage, its Haven Simple plan with no medical exam does come with limitations. For example, you must be 20 to 55 years old to be eligible, and you can’t live in the following states: CA, DE, SD, ND or NY. Haven Simple policies are

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[ad_1]  2021 HousingWire Rising Star Matt Jones, pictured above, is portrayed on the cover of the June HousingWire Magazine issue. He formerly served as senior counsel for the Senate Committee on Banking, Housing, and Urban Affairs, and currently, he serves as senior counsel for the U.S. Senate Finance Committee. Going into 2020, Matt Jones thought it was going to be a relatively slow year legislatively. It was an election year, and typically, everyone turns to politics and campaigning instead of legislation. “Boy was I wrong,” Jones said, who served as senior counsel for the Senate Committee on Banking, Housing, and Urban Affairs at the time. “It turned into, by far, the most consequential year of the four that I spent on the Hill,” he said. As the reports on the coronavirus started to come out in January and February of last year, it didn’t take long for the questions to start flooding in on how Congress would respond. And for housing in particular, some of the biggest questions that Jones recalls were, “What happens to the people who can’t pay their rent or mortgage?” and “How are mortgage servicer’s who collect the monthly payments and advance them to investors going to stay in business when they’re suddenly not collecting payments?” Those were massive, economy-wide problems that needed to be immediately addressed, he said. This content is exclusively for HW+ members. Start an HW+ Membership and give yourself a competitive edge. Member Benefits: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office BECOME A MEMBER TODAY Already a member? log in The post 2021 Rising Star Matt Jones: Reshaping the mortgage industry appeared first on HousingWire. [ad_2] Source link

[ad_1] The post Where Can I Change My Coins for Cash for Free? appeared first on Millennial Money. Bianca has been saving coins for years, throwing change into a bucket at the end of each day. Now, there’s a substantial chunk of change sitting in her closet, and it’s taking up a lot of space… but not collecting any interest.  It’s time for Bianca to put this money to work by cashing the coins in. But where and how can you do that? Let’s take a closer look. Where to exchange coins for free First things first: Most places will charge to transfer coins into quick cash so it’s a good idea to do some research before taking action. Whether you’re deciding to cash coins in with a financial institution or at a supermarket like Kroger, you definitely need to know how much of a percentage the company might take.  That said, there are some companies that let you cash coins in for free, saving you money. With that in mind, here are three places where you can access free coin counting and exchange services.  1. QuikTrip QuikTrip owns a line of gas stations across 11 states, with 800 locations in total. If there’s a local store in your area, this is the first place you should head. At the time of writing, QuikTrip isn’t charging any service fees for coin exchanges due to the national coin shortage. So, you could recoup 100% of your money without having to do any work except physically going into the gas station. 2. Select banks Some banks will take customer coins and turn them into cash without charging.  Bank of America  Bank of America does not charge a fee for customers to cash in their own coins. However, the bank does require customers to submit coins via coin rolls when cashing them in. In other words, you can’t just dump a pile of coins on the desk and wait for the teller to manually sort them. Wells Fargo  Wells Fargo is another bank that offers this service free of charge and also requires customers with bank accounts to use coin rolls.  US Bank A third option is US Bank, which does not require customers to submit coins via rolls. You can submit coins free of charge, without having to go through the process of putting coins into paper holders. Other banks that offer similar services include TD Bank, Chase, Capital One, and Citibank. 3. Credit unions  Some credit unions also offer free coin exchange services for customers, and some even for non-customers. American Eagle Federal Credit Union offers free coin exchanges for all consumers. The Westerra Credit Union is another organization that offers coin exchanges, but they are exclusive for members. Learn more: Why Choose a Credit Union Over a Bank? How to wrap coins A lot of people have coins lying around. But most companies that let you cash in your coins require you to roll them up. This is where the process can get annoying.  If you’ve ever tried to stuff coins into paper wrappers, then you know how time-consuming and tedious the process is–especially if you’re dealing with multiple buckets containing a mix of coins. It could take you months to sit there and manually sort through them and stuff paper wrappers. Money costs time, so this approach is simply not worth it (unless, of course, you have a lot of time on your hands because of the pandemic). Unfortunately, there’s no easy way around this. On one hand, you can buy a coin sorting machine like the Royal Sovereign model from Amazon, which costs about $33 at the time of writing. The main problem with this approach is that it will eat into your savings. You may not even have $33 sitting around in coins. So, it’s really only a good option for people who have a substantial amount of money lying around the house. The fastest and cheapest option could be to bring your coin to a kiosk like Coinstar. While you’ll lose a sliver of your money, the self-checkout nature of the service means you’ll be able to convert your coins to cash quickly. What is Coinstar? Coinstar is a kiosk that allows people to dump large amounts of coins into a bucket and the machine takes care of the rest. Coinstar makes the process incredibly easy, as you literally just have to pour the money into the machine and stand there while it goes to work. That’s plenty of time to check up on your investments on your phone or scan your bank statement. Of course, the more money you put into the machine, the longer it takes.  The thing to remember about Coinstar is that the machine takes 11.9% of your money. So, if you put $100 into the machine, you’ll only receive $88.10.  This may seem like a hefty fee. But compare it to spending time rolling pennies into coin wrappers or buying a coin machine.  Pro tip: Avoid Coinstar’s fee with eGift Cards One way to avoid paying Coinstar’s 11.9% fee is to cash out using eGift Cards. This strategy lets you keep every penny you put into the machine. If you take this approach, you’ll get a debit card with a unique code instead of cash from the Coinstar machine. This plastic card can be used as a voucher when shopping online or in stores.  It works just like cash in places like AMC, Amazon, the Apple Store, Steam, GameStop, Lowe’s, Starbucks, and The Home Depot, to name a few. Simply put, Amazon gift cards and Apple gift cards can be fun and rewarding. Learn more: GiftCards.com Review | Is It Legit? Where to find Coinstar kiosks Here’s a breakdown of some of the top retailers offering Coinstar kiosks.  Walmart  Walmart has a network of more than 11,000 stores across the United States, so you should have no problem finding one with a Coinstar machine in your area.  ShopRite ShopRite is