The Secret Numbers as Important as Your Credit Score

The Secret Numbers as Important as Your Credit Score

From the moment we’re born, we’re ranked.In the delivery room we get an Apgar score. Doctors give us percentile rankings for height and weight. Schools test us constantly. FICO scores measure our creditworthiness. But you’re ranked another way you’ve probably never heard of: Secret “marketing scores” gleaned from thousands of data points are being used by a wide range of companies to determine your health-insurance rates or whether you get a mortgage or a job.

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In Case of Emergency

In Case of Emergency

Meredith, a former NCAA Division I college swimmer and avid triathlete, seemed perfectly healthy at age 30. But just weeks after giving birth to her first child, she began suffering from headaches so strong they made her cry. Her ultimate diagnosis: a fist-sized malignant brain tumor that is almost always fatal. 

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Travel Insurance: How to Getaway with It

Travel Insurance: How to Getaway with It

Saving money is the goal of every savvy traveler. Who wants to add the cost of travel insurance to a trip?

It may be worth it, if just a couple of hundred dollars can buy you peace of mind while you’re on the road or planning to be.

Policy prices depend on your age, trip costs, and how long you’re traveling, according to Sarah Byrne of the price-comparison website Squaremouth.com.

A 35-year-old going to Europe for a two-week, $3,000 trip can expect to pay about $90 to $250 for medical and cancellation coverage.

You can compare policies and rates from reputable providers on Squaremouth and InsureMyTrip.com.

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What’s the Difference Between Term and Permanent Life Insurance?

What’s the Difference Between Term and Permanent Life Insurance?

 Plan DYou shudder to think about dying. But imagine if you died suddenly—and left your family with no financial cushion?

"That's why life insurance should be at the top of your To Do list—but it isn't, because it makes you think about things you don't want to think about," says Jackie, 36, who has a 14-month-old daughter.

Jackie, a long-time DailyWorth reader, is determined to purchase life insurance policies for herself and her husband—and she is willing to share her experience with us.

Come to terms with it
Jackie, who works in sales for a food company, wanted to get started—but didn't know where to start.

We walked her through the two types of life insurance: term insurance (uncomplicated) and permanent insurance, also called whole life (complicated).

Term life insurance is similar to home insurance. You pay a monthly premium for coverage in case of catastrophe—fire, flood or in this case, death. If your house went up in flames, your policy would cover $X amount. If you died, your life insurance would pay your survivors $X amount (charmingly called the "death benefit").

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