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 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 Photo of Lance Cothern Lance Cothern How Life Insurance Fits Into Your Estate Planning With Wills and Trusts Estate planning, including life insurance, wills and trusts, sounds... 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? Find out what happens to existing life insurance policies for couples that get divorced, including how to maintain coverage for their beneficiaries. 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 Photo of Lance Cothern Lance Cothern What To Do If You Cannot Pay Your Life Insurance Bill No one wants to go through a period of time when they can’t pay their bills.... 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 Compare the pros and cons of level term life insurance and annual renewable life insurance to determine the best policy to 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. Should You Use a HELOC to Consolidate Debt? Photo of Lance Cothern Lance Cothern Should You Use a HELOC to Consolidate Debt? If you own a home, there’s a chance you have equity that could be used to...