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Articles by Lance Cothern

Lance is a licensed Certified Public Accountant (CPA) in the state of Virginia and he covers money management, budgeting, financial products, and more. He is also the founder of Money Manifesto, a personal finance blog, where he writes about his family's relationship with money. Education: B.B.A. in Accounting from James Madison University.

Mortgage Protection Insurance vs. Term Life Insurance: Pros and Cons to Consider Photo of Lance Cothern Lance Cothern Mortgage Protection Insurance vs. Term Life Insurance: Pros and Cons to Consider When you take out that home loan, it gets recorded in the public records of your... Simplified Issue vs. Guaranteed Issue Life Insurance Compare the pros and cons of simplified issue and guaranteed life insurance policies to determine which one is a better fit for your estate planning. How Life Insurance Fits Into Your Estate Planning With Wills and Trusts Learn how life insurance and associated policies may work in conjunction with other estate planning instruments such as wills and trusts. Life Insurance Endorsements: How They Work for Optional Coverage Photo of Lance Cothern Lance Cothern Life Insurance Endorsements: How They Work for Optional Coverage You’d think buying life insurance would be straightforward. After all, that’s... Life Insurance and Divorce: What Happens to Your Existing Policies? Photo of Lance Cothern Lance Cothern Life Insurance and Divorce: What Happens to Your Existing Policies? Life insurance helps protect your family financially should you die. It pays a... Healthcare Sharing Ministries vs. Health Insurance: Not the Same Learn how health care sharing ministries work to help cover medical expenses and healthcare costs -- compared to traditional health insurance coverage. What To Do If You Cannot Pay Your Life Insurance Bill Find out what options are available to you when you cannot afford to pay the life insurance premiums, including what happens if your policy lapses. When Should You Start Considering Wealth Management Services? Photo of Lance Cothern Lance Cothern When Should You Start Considering Wealth Management Services? When you’re working to improve your personal finances, everything you have to do... Level Term vs. Annual Renewable Term Life Insurance: Pros and Cons Photo of Lance Cothern Lance Cothern Level Term vs. Annual Renewable Term Life Insurance: Pros and Cons Term life insurance is a popular type of life insurance policy to protect your... Life Insurance and HIV: The Impact on Your Policy & Premiums Learn how HIV could affect the process of buying life insurance, especially when it comes to the impact on your premiums.