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Ladder Life Insurance Review – November 2022

[ad_1] If you’re looking for a simple life insurance policy that you can obtain quickly and for the lowest possible premium cost, you need to check out Ladder Life. They offer a streamlined, all-online application process that can get your application approved in a matter of minutes. And many applicants will not be required to take a medical exam. But the most unique feature of Ladder Life is the ability to either increase or decrease your coverage, as needed. If you need more life insurance coverage, once you have a policy in place, you can increase the death benefit. But if your need for coverage declines, you can reduce the death benefit. That puts you in charge of both the face amount of the policy and the premium you’ll pay. #ap68635-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap68635-ww #ap68635-ww-indicator{text-align:right;color:#4a4a4a}#ap68635-ww #ap68635-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap68635-ww #ap68635-ww-indicator-wrapper:hover #ap68635-ww-text{display:block}#ap68635-ww #ap68635-ww-indicator-wrapper:hover #ap68635-ww-label{display:none}#ap68635-ww #ap68635-ww-text{margin:auto 3px auto auto}#ap68635-ww #ap68635-ww-label{margin-left:4px;margin-right:3px}#ap68635-ww #ap68635-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap68635-ww #ap68635-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap68635-ww #ap68635-ww-text-bottom{margin:5px}#ap68635-ww #ap68635-ww-text{display:none}#ap68635-ww #ap68635-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap68635-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap68635-w-map #ap68635-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap68635-w-map #ap68635-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap68635-w-map #ap68635-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap68635-w-map #ap68635-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap68635-w-map #ap68635-w-map-map svg{position:absolute;left:0;top:0}#ap68635-w-map #ap68635-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap68635-w-map #ap68635-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap68635-w-map #ap68635-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap68635-w-map #ap68635-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap68635-w-map #ap68635-w-map-map svg g .ap00646-w-map-state{display:none}#ap68635-w-map #ap68635-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap68635-w-map #ap68635-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap68635-w-map #ap68635-w-map-map svg g:hover{cursor:pointer}#ap68635-w-map #ap68635-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap68635-w-map #ap68635-w-map-map svg g:hover text{fill:#fff}#ap68635-w-map #ap68635-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap68635-w-map #ap68635-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap68635-w-map #ap68635-w-map-btn:hover{color:#fff;background-color:#508fc9} If you're concerned about your family's wellbeing, Life Insurance can give you some peace of mind. Should anything happen to you, you'll want to leave your loved ones a financial nest egg for their wellbeing. Click on your state to find out more. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Get a Free Quote Ladder Life Insurance Ladder Life is an online life insurance provider, offering coverage through established life insurance companies. Those include Allianz Life Insurance Company of New York, Fidelity Security Life Insurance Company, and Allianz Life Insurance Company of North America. The entire application process takes place online. If needed, you’ll have assistance from licensed insurance professionals. Those professionals work on salary, not commissions. They won’t try to sell you more insurance than you need, or other products designed primarily to enhance their own incomes. Ladder Life Products Ladder Life offers a single life insurance type – term. But the company offers policies with a twist. Once you have a policy in force, you can increase or decrease the amount of the death benefit, as well as the premium. Policy Types Ladder Life offers only term life insurance policies. This is partially true because term is the least expensive life insurance type. But another factor is that whole life policies are more complicated than term. Ladder’s whole mission is to provide the lowest-cost policies in the shortest amount of time possible. Term life insurance best fits that product type. When applying with Ladder Life, you should be aware the company does not offer policy riders. These are optional additional coverage provisions that provide more benefits but at a higher premium. That higher premium is the reason why Ladder Life doesn’t offer them. But one major provision Ladder Life has that’s nearly unique in life insurance is the ability to increase or decrease your policy coverage amount. That’s why the term “ladder” is in the company name. If you have a need to increase your policy amount several years after taking a policy, you can “ladder up” the death benefit amount. Conversely, if your need for life insurance coverage declines, you can lower the death benefit – or “ladder down” the policy amount. You can do either simply by visiting the Ladder Life account page. Naturally, if you ladder up the policy amount the premium will increase. And if you ladder down the death benefit, the premium will decrease. That puts you in control of both the face value of a policy and the premium you will pay. Terms Ladder Life uses a single, simple calculation to determine the maximum term length of a policy. Your current age, plus the term length cannot exceed 70. For example, if you’re 40, the longest term length is 30 years, since 40+30 = 70. If you’re 50, the longest term is 20 years, since 50+20 = 70. They offer terms ranging from 10 years to as long as 30 years, in five-year increments. Thus 30 years is the maximum term you can qualify for, regardless of your current age. The policy will be underwritten based on your nearest birthday. For example, if you will be 45 in four months, your age will be considered 45 years, not 44. Cost Like all life insurance policies, Ladder Life policy premiums will depend on a combination of factors. Those include your age at the time of application, health condition, occupation, hobbies and pastimes, and even geographic location. We requested information for a non-smoking 40-year-old male in excellent health, with no family history of major illnesses, and we received the following quotes for $1 million in coverage: 10 years – $37.50 per month 15 years – $47.70 per month 20 years – $61.80 per month 25 years – $96.90 per month 30 years – $114.30 per month We then requested a policy for a non-smoking 40-year-old female in excellent health, with no family history of major illnesses, and we received the following quotes for $1 million in coverage: 10 years – $35.40 per month 15 years – $46.80 per month 20 years – $52.50 per month 25 years – $77.10 per month 30 years – $88.50 per month The monthly premiums for men are slightly higher than they are for women, which is common throughout the life insurance industry. This owes to the fact that women statistically live longer than men by several years. The premium rate increases with the term of the policy due to the fact that the longer the term, the greater the likelihood the

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Unfinished Wood Tree Forest (Set of 5) only $11.99 + shipping!

[ad_1] This Unfinished Wood Christmas Tree Forest is so pretty! Jane has these Unfinished Wood Christmas Tree Forest (Set of 5) for just $11.99 right now! This set of 5 unfinished trees are just waiting for you to add your own personal touch! You could make them traditional or funky, Christmas-y or winter-y; it’s completely up to you! Paint them, stain them, or just leave them all natural! Shipping is $4.49 for the first set and $3.99 for each additional set shipped within the same order. Psst! We love Jane! Looking for other great Jane deals? Check out our custom Jane page for more of our hand-picked favorite deals each day! [ad_2] Source link

Unfinished Wood Tree Forest (Set of 5) only $11.99 + shipping! Read More »

Gretchen’s $104 Grocery Shopping Trip and Weekly Menu Plan for 6

[ad_1] I was really sick last week so didn’t make it to the grocery store and just did a Walmart order instead. It was nice to finally get back into the stores and get some great deals this week! Aldi 2 dozen Eggs – $2.50 each 2 Half & Half – $2.39 each 1 Olive Oil – $2.85 1 Grape Jelly – $1.99 1/2 gallon Milk – $1.83 1 Peanut Butter – $1.69 1 can Pumpkin – $1.15 2 pkg MooTubes – $1.55 each 1 lb Butter – $3.98 1 bag Frozen Strawberries – $3.35 1 Applesauce Cups – $1.45 1 bag Frozen Chicken Breasts – $9.49 1 bag Kettle Chips – $1.65 1 bag Mini Cucumbers – $1.89 1 bag Shredded Cheese – $2.99 1 bag Baby Carrots – $0.95 2 pkg Zucchini – $2.28 and $2.21 1 Baking Powder – $1.45 2.84 lbs Red Grapes – $3.95 1 pkg Bagels – $1.79 1 loaf Bread – $0.99 2 pkg Chocolate Chips – $1.99 each 1 pkg Peanut Butter Crackers – $1.15 1 pkg Fruit & Grain Bars – $1.49 Total: $67.43 Harris Teeter 2 bags Unbleached Flour – $1.99 each 1 bag Sugar – $1.47 2.29 lbs Ground Beef – $6.85 1 bag Pears – Marked down to $0.99 1 huge bag Bananas – Marked down to $1 Total: $14.29 Ingles 5 lbs Apples – $3.98 1 huge carton Organic Spinach – Marked down to $1.99 1 pkg Bacon – $4.98 4 boxes Annie’s Mac & Cheese – $0.98 each Total: $14.87 United Grocery Outlet 4 Lunchables – Marked down to $0.50 each 1 pkg Deli Meat Ham – $1.99 1 pkg Pie Crusts – $1 3 Dole Mandarin Oranges – $1 each Total: $7.99 Total for all groceries: $104.58 Menu Plan for This Week Breakfasts Cereal, Eggs, Bacon, Yogurt, Bagels, Pumpkin Muffins, Fruit/Spinach Smoothies Lunches Lunchables/Veggies, Mac & Cheese/Grapes x 2, Peanut Butter & Jelly Sandwiches/Chips/Carrot Sticks x 2, Ham Sandwiches/Mandarin Oranges/Sliced Pears, Leftovers Dinners Grilled Pork Chops (from freezer), Fried Potatoes, Fried Apples, French Bread (from freezer) Chili, Corn Chips, Sliced Apples Barbecue Chicken, Biscuits Hamburger Vegetable Soup, Homemade Rolls, Sliced Apples Waffles, Eggs, Bacon, Fruit Smoothies Meatloaf, Mashed Potatoes, Homemade Bread, Spinach Salad Cheese Pizza, Breadsticks, Tossed Salad [ad_2] Source link

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Carter’s: 60% Matching Holiday Pajamas for the Family + Free Shipping!

[ad_1] Looking for matching holiday pajamas? Here’s a great deal from Carter’s today! Carter’s is offering 60% off Matching Holiday Pajamas for the family! Plus, you can score FREE shipping on all orders through tomorrow! There are lots of styles and patterns to choose from and prices start at just $8. This is a RARE deal. [ad_2] Source link

Carter’s: 60% Matching Holiday Pajamas for the Family + Free Shipping! Read More »

Brigette’s $0.67 CVS Shopping Trip and $12.38 Walgreens Shopping Trip!

[ad_1] Love drug store shopping each week? Don’t miss these GREAT deals Brigette grabbed this week at CVS and Walgreens! CVS Shopping Trip All of my coupons are from the CVS app. I highly recommend it if you don’t have it already! You get on to your account and clip the coupons you want, and they automatically come off in the store. There are CVS store coupons and manufacturer coupons to clip on the app – and you can stack them on the same product. What I Bought: 1 travel-sized Toothbrush/Toothpaste – $2.29 used FREE beauty club digital coupon = $0.00 total out of pocket 3 Revlon Lip Kiss Balm – $20.37 Get $8 ECBs when you buy 3 products Used Buy 2 Revlon, Get 1 Free CVS digital coupon Used $4/20 Revlon CVS digital coupon Used $3/1 Revlon CVS digital manufacturer’s coupon = $6.58 total out of pocket ($1.42 MM after $8 ECB’s!) 2 boxes Lucky Charms – $3.98 Used $1/2 General Mills CVS digital manufacturer’s coupon Received $1.00/2 General Mills Ibotta rebate Received (2) $0.50/1 Lucky Charms Ibotta rebate = $0.98/2 total out of pocket  2 Colgate Toothpaste – $10.58 Get $5 ECB’s when you spend $10 Used $4/2 Colgate CVS digital manufacturer’s coupon Used $1/1 Colgate CVS digital manufacturer’s coupon = $5.58/2 total out of pocket ($0.58/2 after ECB’s!) Totals: Total: $13.14 + tax Paid with $13.00 ECBs earned from previous weeks Total Paid Out Of Pocket: $0.67 Plus I received $13 ECBs to use on future CVS trips and $2.00 Ibotta rebates! Walgreens Shopping Trip All of my coupons are from the Walgreens app. I highly recommend downloading it if you haven’t already. You can clip both Manufacturer’s and Store coupons and stack them together on the same item. What I Bought: 2 Glide Floss Picks – $8.00 Receive $5 Register Rewards when you buy 2 Used the $3.00/2 Degree myWalgreens digital store coupon = $5.00/2 out of pocket after coupon (FREE after register rewards!) 1 Colgate Toothpaste – $2.99 Receive $4 Register Rewards when you buy 2 Colgate Used the $1/1 Colgate toothpaste myWalgreens digital store coupon = $1.99 out of pocket after coupon (FREE after register rewards!) 1 Colgate Toothbrush – $2.99 Receive $4 Register Rewards when you buy 2 Colgate Used the $1/1 Colgate toothbrush myWalgreens digital store coupon = $1.99 out of pocket after coupon (FREE after register rewards!) 2 Aussie Shampoo – $6.00 Receive $4 Register Rewards when you buy 2 Used the $3/2 Aussie myWalgreens digital store coupon = $3.00/2 out of pocket after coupon ($1 MM after register rewards!) Totals: Total: $11.98 plus tax Paid with $1 Walgreens Cash from previous weeks Total Paid Out Of Pocket: $12.38, plus I received $13 Register Rewards! Did you do any drug store shopping this week? I’d love to hear what great deals you scored! [ad_2] Source link

Brigette’s $0.67 CVS Shopping Trip and $12.38 Walgreens Shopping Trip! Read More »

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