Chris Rossi

Divorce is a sad reality for many married couples. With divorce rates seemingly climbing by the day, it is safe to say that marriage is often no longer until “death do us part”. Despite the statistics, couples continue to walk down the aisle, bringing two lives together with all the happiness, comfort- and financial obligations that may befall them.

When they marry, many couples chose to purchase life insurance. A couple may opt for life insurance to cover existing and anticipated debts- in order to take the burden off each other when they pass on. If and when a couple divorces, life insurance will probably be considered as a part of the final divorce settlement. Because they are purchasing together, many couples choose to list each other as beneficiaries on their life insurance policy. After a divorce, you may have the urge to take your name off of a joint life insurance program, but there may be good reasons to continue to stay on the plan with your ex-spouse.

If you do choose to opt out of your joint life insurance plan with your former spouse, it may make sense for you to consider keeping the plan with the spouse who is primarily responsible for raising the children. If he or she passes on, the children will need to be provided for- and will hopefully be taken care of by this life insurance policy. The divorce decree should include the funds to pay for this life insurance policy. This way, the spouse receiving alimony can make sure the premiums are paid and he or she is financially protected with life insurance.

If you are looking to make a change to your life insurance policy in the near future, Eastern Insurors can help. We are an independent insurance agency that can walk you through the difficult reality of divorce, and make you come out of it stronger than before. Visit our Virtual Insurance Office at www.insurance-nj.com. Once there, you can learn about your options, or get a free online quote on life insurance.

When you get married, you are faced with responsibilities and concerns that weren't even on your radar when you were single. In addition to “growing up” and having a mortgage and a career, you also have a family that you need to provide for. Although your career can provide for your family's livelihood and your home gives all a place to rest their heads at night, these acquisitions may provide your brood with a false sense of security.

Nobody likes to think about what “could” happen- but in todays society, planning for the unexpected is a necessity. As a contributor to your family's wealth, have you considered what might happen if you are no longer around? If something happened to you, would your family be able to continue to afford their home? Who would handle the payments on their cars? How would your children be able to attain their college educations?

If you are unsure of the answers to the above questions, you may want to consider purchasing life insurance. With life insurance from Eastern Insurors, you can be sure that if something happens to you, your family will be able to continue to life the lifestyle they have grown accustomed to.

Your passing would be a dramatic and heartbreaking situation for all. Life insurance can make sure your loved ones are provided for when you're gone. Contact Eastern Insurors to learn about your options, and to get a quote of life insurance.

My sister-in-law recently moved into a beautiful, nice-sized house with her eleven-year-old daughter. The house is an old-fashioned brick home in a big, lovely neighborhood. She chose the house for herself and her daughter because the real estate agent assured her that it was one of the safest neighborhoods in the city. Apparently it had broken records for safety; however, two weeks ago, the house was broken into, and though my sister-in-law wasn’t home at the time, she lost her plasma TV, her antique jewelry, some clothes, a giant DVD collection, an 18th-century Bible, and her daughter’s laptop and iPod.

I asked her what sort of home security she had on her home, and I was surprised to hear that she’d had none. I was so surprised that I tried to use the story on my friends as a “Can you believe she had no security?” type thing, only to come to realize that almost all of my friends had the same response – they don’t use a home security system, either.

This prompted me to write about the best top security devices out there. Please take them into consideration. You could live in the safest neighborhood around, like my sister-in-law, and still get everything ripped out of your hands.

• Wireless systems. These protect your home without the fuss of wires and cords. Burglars won’t be able to disarm the security system at all, seeing as there won’t be any wires to cut.

• Extra keypads. You can also get devices to help control the system at a distance, like a car alarm on your keychain.

• Old-fashioned yard signs and window decals. This might sound silly or unattractive, but yard signs anddecals that say “Beware of Dog,” or “Home Security System Protected” have proven to prevent burglars, even if you don’t have a dog or a system.

• Sensors on windows and doors will let you know immediately if a burglar is entering your home.

• Motion Detectors. These devices are among the best types of protection you can get. There are also brands that allow for pet movement.

• An oldie but a goodie: a master control panel is imperative to any home alarm system. It receives information from all other sensors and key pads in your home, computes it, and transmits information to the monitoring company.

• Once you have the security system(s) of your choice, a backup power supply is necessary to make sure your home is still protected in the event of a power outage.

Keep all security systems repaired and up-to-date, including smoke detectors in your home. Having a good security system and/or smoke detector can help get you discounts on your home insurance policy so that you can save extra money.

Eastern Insurors is an independent insurance agency in the Midland Park, New Jersey area. To learn more about home insurance and protection, contact them today.