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.

Simplified Issue vs. Guaranteed Issue Life Insurance Photo of Lance Cothern Lance Cothern Simplified Issue vs. Guaranteed Issue Life Insurance Buying life insurance can feel confusing. There are so many types available to... 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 Learn how life insurance endorsements work to provide additional benefits to your policy and offer customized options to your specific policy. 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 Photo of Lance Cothern Lance Cothern Healthcare Sharing Ministries vs. Health Insurance: Not the Same People looking for affordable health care may have found health care sharing... 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? Find out when it makes sense that your finances and future goals mean that you should start thinking about wealth management services. 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 Photo of Lance Cothern Lance Cothern Life Insurance and HIV: The Impact on Your Policy & Premiums According to HIV.gov, 1.2 million people in the United States are living with... Should You Use a HELOC to Consolidate Debt? Learn how you can use a home equity line of credit (HELOC) to consolidate high interest debt and compare it to other debt consolidation options.