People work their entire lives, looking forward to a comfortable retirement. But what happens when your retirement income fails to cover the cost of your expenses? When seniors find themselves struggling financially in their retirement years, the consequences can be intense stress and strain on both the senior and their relationships; seniors and their loved ones can be left worrying what options are available to them.

If you’re thinking about selling your life insurance policy for cash, you’re likely weighing a list of pros and cons. After all, selling a policy you’ve owned for years can make you feel a bit apprehensive. Whether you’re looking for a way to offload monthly premiums or you need cash quickly to pay for retirement costs, it’s best to think through every single benefit and disadvantage before selling your life insurance policy.

Deciding what kind of life insurance you need can be tricky. After all, there are different kinds of life insurance to consider for your unique needs and life circumstances. In this guide, you’ll learn what variable universal life insurance (VUL) is, how it works, and why it may (or may not) be a great fit for you. Let’s dive into the world of variable universal life insurance and explore its features!

Most people buy a life insurance policy as a way to protect loved ones and cover costs in the event of the policyowner’s death. While a life insurance policy can be a wonderful safety net — and even a smart financial investment — some life situations may cause you to rethink whether owning your life insurance policy is worthwhile anymore. After all, unexpected medical expenses, increasing costs of retirement living, and financially-independent beneficiaries can make paying rising premiums a tough pill to swallow.

Whether you’re considering purchasing a term life insurance policy, or currently own one and are looking to what’s next as you approach the expiration date, it’s important to understand your options.

Planning a stellar surprise party for adults is no small feat. From figuring out how to get your special someone to their own surprise party to picking the perfect location, there are several party planning tasks that can make or break a surprise party. Before you start scheming your surprise party, consider the following tips to plan a thoughtful event that everyone will enjoy.

As you approach retirement, have you thought about how to maximize Social Security benefits? Having a solid Social Security strategy in place during retirement can help you get the most out of your benefits — and identify where you may need to supplement your income. While monthly Social Security payments are a helpful addition to retirement savings, they’re not designed to be the sole source of income after retirement. Luckily, there are several strategies that can help seniors like you make the most of their Social Security payments. Take a look at the helpful Social Security tips below to maximize your benefits.

As seniors reach their golden years, it should be a time of prosperity, rest, and reflection on the years of hard work they put in. While some folks are able to enjoy abundance in their later years, the reality is that many older Americans don’t have all the means necessary to thrive later in life. If you fall into this category, you may find yourself wondering what benefits are available for senior citizens like me?

Formal living rooms became popular in the early 1900s. These days, many people find having both a formal and informal living room to be excessive, leaving them wondering what to do with two living rooms. Rather than furnishing two living room areas in your home that serve a similar purpose, it may be time to transform one of your living rooms into a more functional space for your family. Learn which living room you should repurpose — the family room or living room — and gather some ideas about how to transform your living space into a room that suits you better!

Working from home certainly has its perks: clock in wearing sweatpants, skip your commute and throw in a load of laundry at lunchtime. But remote work also has its downsides. From increasing feelings of isolation to having difficulty shutting work off at a decent hour, remote workers are burned out from working where they live.

Going to the dentist can be anxiety-inducing for a lot of people. Even routine check-ups and cleanings can make people feel nervous before they even arrive at the dentist’s office. For some folks, these feelings can be so intense that they avoid going to their biannual checkup altogether — putting their oral health at risk. Fortunately, sedation dentistry is an increasingly common option that can make dental visits more comfortable and less stressful.

Your home should feel like a personal sanctuary. Your space should make you feel safe, relaxed, and at peace. But when your home is cluttered, disorganized, or downright dreary, it can have a major effect on your mental health. Research shows that folks who live in a cluttered, dirty home tend to feel more stressed, anxious, and overwhelmed compared to those who live in a clean and organized space. Moreover, a lack of natural light and fresh air can also contribute to feelings of sadness and lethargy.

The Montessori method has become an increasingly popular choice for parents wanting to promote an independent, gentle, positive learning environment for their little ones. Are you dreaming of bringing the principles of Montessori into your home? Start by creating a Montessori-inspired bedroom for your child! Learn what elements to incorporate into your little one’s bedroom and how to set up their space for success for years to come.

If you have a tooth – or several — that are in danger of falling out (or perhaps you already have missing teeth), there are several options to remedy the situation. Dental bridges and dental implants are popular ways to treat loose or missing teeth, but it can be difficult to figure out which option is best for you! Each method has its unique advantages, and the right choice depends on several factors, including your oral health, which teeth need help, and your budget. This guide will help you understand what your options are so you can make an informed choice!

Spring break is right around the corner! If you’re forgoing a pricey family vacation and staying in town, you may be wondering how to keep your kiddos occupied for an entire week (without breaking the bank). Well, you’re in luck! There are several ways to create a memorable spring break at home. All it takes is a little bit of planning — and a splash of creativity —and you’ll be sure to create a magical week your children won’t forget.

Waking up to a sharp and throbbing pain inside your mouth could mean one thing: you have a toothache. Tooth pain seems to appear quickly and with intensity, making it even more urgent to deal with the root cause as soon as possible. Read on to learn more about why you may be experiencing tooth pain and how to get rid of a toothache fast!

With Valentine’s Day right around the corner, it’s time to think about how to make your sweetheart feel extra loved. Instead of booking dinner at your favorite restaurant (again), you might be brainstorming unique date ideas for Valentine’s Day. After all, there’s no better way to connect with your person this Valentine’s Day than to plan a date that feels tailor-made to your relationship!

New year, new you! If you’re ready to enhance your smile this year, whitening your teeth at home can be one of the easiest — and cost-effective — ways to make your pearly whites dazzle. When most people think about whitening their teeth, they typically think there are only two options: in-office whitening with a dentist or whitestrips you get from the drug store. What most people don’t realize is that dentist offices offer higher quality — and safer — at-home whitening solutions! Learn about the most effective ways to whiten your teeth at home.

Meet Genevieve. She used CORT furniture rental twice while studying acting in Los Angeles. When Genevieve moved from New Zealand to Los Angeles, California to study acting, she wanted to fully immerse herself in U.S. culture. While she knew she would love taking a full load of classes each semester, she didn’t expect the hardships of moving three times within two years. To help her feel a little more settled, Genevieve called on CORT to deliver furniture for her three-bedroom apartment, where she and two roommates split the cost of furniture rental. Being on a student visa, Genevieve isn’t quite sure what months following graduation will look like, but she knows she can count on CORT whether she stays in the U.S. or returns to New Zealand. See how CORT helped Genevieve fully embrace her study abroad experience in the United States.

Meet Andrew. He’s a professional hockey player who rents furniture from CORT every season. Andrew is no stranger to living in different cities every year. He moved away from home at sixteen to pursue his professional hockey career and has been on the move ever since. He spends his summers at home in Canada, training. When hockey season begins, Andrew moves to his assigned team’s city for six months while he plays. Moving from city to city allows Andrew to stay focused on playing at his maximum potential, but can also feel like he’s living out of a suitcase. In an effort to feel more settled, Andrew uses CORT to furnish his short-term apartment. That way, when he steps into his apartment after being on the road playing in cities across the U.S. and Canada, he feels right at home.