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Sparks Insurance, Inc. Blog: family

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There are several ways you can build capital to help your children when they enter adulthood. College Savings Plans > 529 Plans allow you to make tax-advantaged deposits that earn returns and can be used to pay college tuition at a later date. READ MORE >>

Your policy's cash value could be a crucial resource. Whole life insurance builds cash value that can be important even before a death benefit is paid. Help if physically disabled. With a “waiver of premium disability rider” on your policy, your life insurance will remain in full force if you become disabled, and your premium payments will be waived. READ MORE >>

It's a simple question, yet one that keeps many parents of special needs children up at night: who will take care of my child when I'm gone? Any family with such responsibility knows planning for future financial costs can be daunting: thousands of dollars for adaptive equipment such as wheelchairs and possibly tens of thousands for hospital and ongoing medical and/or physical care. READ MORE >>

The Fourth of July and spectacular fireworks displays go hand-in-hand. From 1776 until the present day, July 4th has been celebrated as the birth of American independence, with typical festivities ranging from fireworks, parades and concerts to more casual family gatherings and barbecues. READ MORE >>

Every year fireworks cause serious injuries and substantial property damage. According to the National Fire Protection Association (NFPA), fireworks start an average of 18,500 fires annually, including 1,300 structure fires, 300 vehicle fires, and 16,900 outside and other fires. READ MORE >>

As much as we love July 4th celebrations, our pets have a very different reaction. Communities across the United States large and small celebrate Independence Day with festivals, parades and fireworks displays as well as gatherings of family and friends. Although most people greet the festivities gladly, the story isn’t the same for pets. READ MORE >>

While it's easy to get distracted by the fun in the sun, there are plenty of risks you should consider first. Across the country, many individuals are setting plans in place for the arrival of summer. From cross-country road trips to surfing at the local beach, the summer likely means more travel and outdoor expeditions. READ MORE >>

Searching for the right gift for your husband this Father’s Day? Forget the expensive silk tie, do-it-all DIY tool or the latest high-tech  electronics and get your hubby something he really needs: additional life insurance. Perhaps your husband, like most men, carries some life insurance. READ MORE >>

Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications.  There are an estimated 7.4 million swimming pools and five million hot tubs in residential or public use in the United States, according to the Centers for Disease Control and Prevention (CDC). READ MORE >>

It’s summer, and for kids that means it’s time for sports, swimming, biking and picnics. And while active outdoor time is healthy and fun, experts say it’s crucial for parents and kids to brush up on some seasonal safety tips. According to the experts at the American Academy of Pediatrics (AAP), the summer poses its own set of risks. READ MORE >>

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