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[ad_1] I was so excited about doing this podcast interview. Jillana and I have so many overlapping connections and passions: she lived in Guatemala (where our little boy is from!), she’s a foster mom, she’s adopted from foster care, she has teenagers, she has an ongoing relationship with a birth mom, and she has a child with special needs. We could have talked for hours, but I limited myself to just around 30 minutes for this episode — and it’s packed with goodness! We dive deep into what it looks like to parent a child with special needs, the challenges and blessings of walking in proximity to birth parents of children we’ve fostered and/or adopted, and how living a love-stretched life has turned their world upside down in the most beautiful of ways.   Whether you are a foster parent or an adoptive parent or a parent of a child with special needs or whether your life looks completely different, I think you’ll find your heart resonating with her passion to love those who need love the most and to walk alongside them without criticism or condemnation but instead with compassion. .redcircle-link:link { color: #ea404d; text-decoration: none; } .redcircle-link:hover { color: #ea404d; } .redcircle-link:active { color: #ea404d; } .redcircle-link:visited { color: #ea404d; } Powered by RedCircle In This Episode [02:05] – Jillana introduces herself and her unique family. [03:18] – Why did Jillana foster children before having children biologically? [06:33] – What was her mindset before she started fostering? [09:11] – An honest discussion on birth parents. [13:31] – Parents with kids in foster care were often kids in foster care themselves. [15:06] – Jillana offers advice on how to walk alongside other foster parents if you aren’t called to foster. [16:50] – Hear about being welcoming but with boundaries. [19:52] – What it’s like parenting a child with special needs. [29:52] – The beauty of interdependency. [31:22] – What does a love-stretched life look like? Links & Resources Books A Love-Stretched Life: Stories on Wrangling Hope, Embracing the Unexpected, and Discovering the Meaning of Family by Jillana Goble Other Resources 10 Days to Be a Happier Mom Sign up for the Hot Deals Email List MoneySavingMom.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal @ moneysavingmom.com [ad_2] Source link

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[ad_1] Life insurance is about making final provisions for your loved ones in the event of your death. But there’s more involved in those provisions than just life insurance. And that’s where Fabric by Gerber Life can help. Not only does Fabric offer life insurance policies – and some of the largest available anywhere – but they also help you through the process of making your final arrangements, and they do it free of charge. That includes drawing up a will to name a beneficiary, appointing a guardian for your children, and spelling out your final arrangements. In this Fabric by Gerber Life review, I’ll cover some recent changes to the company and let you know how it stacks up to the competition. Table of Contents Announcement: Fabric is now Fabric by Gerber Life Key Takeaways About the Company Unique Features Who is Fabric Life Best For Types of Insurance Offered by Fabric by Gerber Life Is Fabric by Gerber Life Legit? Is Fabric a Good Company? Fabric by Gerber Life Alternatives How to Use Fabric to Shop for Life Insurance How to Save Money on Life Insurance Final Thoughts on Fabric by Gerber Life Insurance Fabric Life Insurance FAQs Announcement: Fabric is now Fabric by Gerber Life On October 11, 2022, Fabric announced on its website that they are now Fabric by Gerber Life, owned by parent company Western-Southern Life Assurance Company. Aside from a new name and branding, customers’ biggest change is that Western-Southern Life will now issue Fabric’s insurance policies instead of Vantis Life Insurance Company. In a news release on their website, Fabric by Gerber Life assured customers that they will receive “the same digital convenience that you expect from Fabric.” With the news, Fabric by Gerber Life also informed customers that they can apply for a new or additional policy through an updated application experience. If you are already a policyholder, there is no change to your existing coverage. Note: Because of this recent news, other changes made by Fabric as a result of their move to Western-Southern Life may not be reflected in this review. We will do our best to keep our information current but double-check with Fabric by Gerber Life if you have questions. Key Takeaways Fabric by Gerber Life is a direct provider of life insurance, not an online insurance marketplace. The company offers accidental death policies, free will preparation, and the ability to set up 529 college savings plans for your children. The application process takes about 10 minutes, can result in immediate approval, and generally does not require a medical examination. Fabric’s maximum death benefit of $5 million is at the high end of the online life insurance provider range. About the Company Fabric by Gerber Life is a subsidiary of Western-Southern Life Assurance Company The company offers accidental death insurance in addition to term life insurance. Though coverage is available for applicants between the ages of 21 and 60, Fabric strongly focuses on providing family life insurance. Customer service is available by phone, email, and live chat, Monday through Friday, from 9:00 AM to 6:00 PM, Eastern time. The company issues policies in 48 states (excluding New York and Montana). Unique Features Fabric is a “fintech” insurance provider with an all-online application process that relies heavily on advanced algorithms. You can get a quote in a few minutes or complete an application in about 10 minutes. Because Fabric relies heavily on information provided by available databases (the Medical Information Bureau, your state department of motor vehicles, pharmacy benefit managers, consumer reporting agencies, and other publicly available sources), the need for a medical exam is often eliminated. Fabric by Gerber Life has licensed team members available to answer your questions and help you through the application process. Once issued, policy offers are valid for 60 days, giving you plenty of time to review the policy before accepting it. Even if you purchase the policy, you’ll have 30 days to decide if you want to keep the coverage or not. If you decide you don’t want it, you’ll be entitled to a full refund of the premium paid. In addition to term life and accidental death insurance, Fabric offers free will preparation online. That includes appointing a guardian for the dependent children, naming beneficiaries, and making final arrangements. You can open a 529 college savings plan for your child(ren) directly from the Fabric Life Insurance website or mobile app. Fabric offers a mobile app to track your policy for Android and iOS users. Who is Fabric Life Best For Fabric by Gerber Life is an excellent choice for the following applicants: looking for term life insurance rather than a whole life insurance policy. require a life insurance policy in a hurry. prefer life insurance without the need for a medical exam. also want accidental death insurance Need coverage for both themselves and their spouse. could benefit from a comprehensive financial plan Types of Insurance Offered by Fabric by Gerber Life Fabric offers two types of life insurance: term and accidental death coverage. Here’s a closer look at each one. Term Life Insurance Term life insurance policies provide a death benefit only, with no cash value accumulation or investment provision. That means premiums are only a fraction of what they are for whole-life insurance policies. Lower premiums mean you can purchase more coverage at a lower cost. Fabric by Gerber Life term policies are available for applicants and their spouses between the ages of 21 and 60. Policy face values range between $100,000 to as much as $5 million. Because of the reliance on algorithms and available databases, a policy can be available in as little as a few minutes. But if additional information or a medical exam is required, the process will take several days longer. If a medical exam is required, an appointment will be scheduled with a qualified examiner to come to your home or office at no cost to you and on your schedule. Because an

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[ad_1] The vast majority of Americans need life insurance. But with so many different insurance policies and providers, how can you find the right life insurance policy for you and your family? Sproutt Insurance is trying to help by putting a unique spin on the insurance application process. Sproutt doesn’t sell its own insurance policies – they’re an online marketplace that uses technology to match you with the right insurance provider. In minutes, you can complete a brief application and get a quote from one of their participating life insurance companies. But is dealing with Sproutt as easy as they make it sound? And is there a benefit to dealing with a marketplace like Sproutt versus going through an individual provider? I’ll cover this and more in this Sproutt Life Insurance Review. Table of Contents What Is Sproutt? How Sproutt Works Key Features Sproutt Life Insurance Quality of Life Index Who Is Sproutt Life Insurance Best Suited For? Types of Insurance Offered by Sproutt Life Insurance Is Sproutt Life Insurance Legit? How Do Customers Rate Sproutt? Sproutt Life Alternatives How to Use Sproutt to hop for Life Insurance How to Save Money on Life Insurance Sproutt Life Insurance FAQs Sproutt Life Insurance Review: Final Thoughts What Is Sproutt? Sproutt is an insurance fintech launched in 2018 under the name, Aktibo. They have their headquarters in Hartford, Connecticut, with offices in New York City and Tel Aviv. Sproutt Life isn’t a direct provider of life insurance but a broker providing an AI-powered online life insurance marketplace. They offer policies from nearly a dozen insurance companies, a list that includes some of the best-known brands in the industry. Sproutt is available to customers in all 50 states and the District of Columbia. How Sproutt Works Sproutt differs from traditional life insurers by using an AI-powered Quality of Life Index (QLI) to assess an individual’s healthy lifestyle behaviors rather than focusing on negative elements. According to Sproutt, there are “huge inefficiencies” in the industry when using traditional data collection for accurate pricing and product offering.” Sproutt says their self-serve digital process usually requires no medical exam, phone calls, or appointments to obtain life insurance coverage. Sproutt is free to use, and the company provides live customer support. They have an A+ rating with the Better Business Bureau. Key Features AI-powered online life insurance marketplace Work with almost a dozen insurance companies across all 50 states Quality of Life Index (QLI)takes into account your overall health The QLI matches you with an insurance provider and policy that will be the best overall fit. Complete an application within 15 minutes Customer support is available during business hours. Sproutt Life Insurance Quality of Life Index The QLI index is at the heart of Sproutt Life Insurance and the key to using their website. The index uses an algorithm to assess your lifestyle, then provides a personalized set of suggestions, recommendations, and references based on the latest health information available. The algorithm is called the Guided Artificial Intelligence Assessme t (GAIA). To benefit from the index, you’ll need to complete a 15-minute assessment, a process I will cover in more detail further down. The Index measures five areas of your life – referred to as pillars – to indicate your overall state of health and well-being: Movement. In a nutshell, this category assesses the amount of exercise you g t. Sleep. Used to measure if you are getting an adequate amount of sleep. Emotion l health. There’s growing evidence of a connection between strong relationships and longevity. Nutrition. This category is all about food and diet Balance. It incorporates the other four pillars and also adds an evaluation of your sense of purpose in your life. Once you’ve completed the QLI Assessment, Sproutt will match you with the best insurance company to fit your profile. This is expected to maximize the likelihood of approval, along with the most favorable premium rate. Who Is Sproutt Life Insurance Best Suited For? Sproutt Life Insurance is an excellent choice for applicants who are: Under 50 in good or excellent health (they go to age 60). In good or excellent health. Actively focused on maintaining their health, as determined by the Quality of Life Index Assessment. Looking for term life insurance versus whole life. Need a life insurance policy quickly. Prefer a life insurance policy without the need for a medical exam. Prefer the speed and convenience of an all-online application process Obtain a Quote from Sproutt Today Types of Insurance Offered by Sproutt Life Insurance According to their website, Sproutt offers no-exam life insurance, guaranteed issue life insurance, whole life insurance, critical illness insurance, and universal life insurance – all in addition to term life insurance. Sproutt’s term life insurance offerings range from 10 years to 3 years. The minimum policy amount is $50,000 but can go as high as $3 million. All other details of the term policies offered are based on the guidelines of the individual insurance companies providing the policies. As an online life insurance “fintech,” Sproutt undoubtedly targets younger applicants (at least under 60) and in good or excellent health. Though they do offer policies for those who are in less-than-perfect health, it is possible that your application will be denied. Is Sproutt Life Insurance Legit? As mentioned, Sproutt has a Better Business Bureau rating of A+ (on a scale of A+ to F). The BBB reports the company has been accredited with the agency since 2019, with 0 customer complaints filed. Though we typically obtain the financial strength rating of insurance companies from A.M. Best, this rating is not available for Sproutt. The company is an online insurance broker and not a direct provider. A.M. Best does not provide financial strength ratings for insurance brokers.   How Do Customers Rate Sproutt? Sproutt Life Trustpilot Ratings Sproutt scores 4.8 out of five stars with Trustpilot. The score is based on 425 reviews, with 89% ranking the company as “excellent” and 8% as “great.” 5-star review

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