Reader’s Question: My husband wants to get our 10-year old daughter a life insurance policy. Is a life insurance policy for a kid necessary? Sidney Denver, CO This is a good question. Unless your 10-year old daughter is the bread-winner of the family, there really isn’t any compelling reason for you (or your husband for [...]

Reader’s Question: Does smoking really have that big of an impact should I decide to get a life insurance policy here in Colorado? Jake Lakewood, CO Yes, smoking habits does have a really big impact in how much you spend for life insurance. Though the actual figures will still depend on the kind of policy [...]