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.

What Are Futures? How Do They Work as Investments? Photo of Lance Cothern Lance Cothern What Are Futures? How Do They Work as Investments? If you read any investing focused sites such as CNBC, chances are you’ve heard the... Split-Dollar Life Insurance Plans: How Do They Work? Learn how split-dollar life insurance plans work and what to consider before entering one of these arrangements. Life Insurance vs. Annuities: How Are They Different? Learn the differences between life insurance and annuities when it comes to beneficiaries and overall financial value How to Get Cash Out of Your Life Insurance Policy Photo of Lance Cothern Lance Cothern How to Get Cash Out of Your Life Insurance Policy Whether you’re in a tough financial spot or you just want to access the cash in... Life Insurance & Suicide: Does Life Insurance Pay for Suicidal Death? Photo of Lance Cothern Lance Cothern Life Insurance & Suicide: Does Life Insurance Pay for Suicidal Death? People buy term life insurance and other types of life insurance to cover their... Return of Premium Rider For Term Life Insurance When It Expires And You Don’t Die Learn what happens when you have term life insurance and you don't die, including the pros and cons to consider for the return of premium rider. Who Should Have Survivorship (Joint) Life Insurance? Learn how survivorship life insurance (also known as joint life insurance) works and who should consider this type of policy. What The Payroll Tax Deferral Really Means for Your Paycheck Photo of Lance Cothern Lance Cothern What The Payroll Tax Deferral Really Means for Your Paycheck It goes without saying that the past few years have been crazy years from a tax... What Are Accelerated Death Benefits and How Do They Work? Photo of Lance Cothern Lance Cothern What Are Accelerated Death Benefits and How Do They Work? You have many options when you buy life insurance. Your goal should be to get the... How to Get Health Insurance If You Lose Your Job Learn how to get health insurance if you happen to lose your job unexpectedly, including different ways you can pay out-of-pocket for coverage.