Cedar Street Financial

Articles & Guides

Plain-English, educational articles about life insurance from Cedar Street Financial in Chillicothe, Ohio — why families get coverage, how much to think about, and how different kinds of policies work. Browse by year, newest first.

2026

October 21, 2026Before You Renew Anything Else: A Fall Review of the Coverage That Comes First
October 7, 2026Open Enrollment 2026: The Year to Look Beyond the Default
September 21, 2026Special Needs, Special Planning: Life Insurance and the People Who Depend on You Long-Term
September 7, 2026Life Insurance Awareness Month 2026: Start the Conversation
August 21, 2026Life Insurance Myths, Round Two: 'It's Too Expensive' and Other Stories
August 7, 2026From Kindergarten to Cap and Gown: Protecting Every School Year
July 21, 2026Portable Protection: Why Owning Your Own Policy Matters
July 7, 2026Midyear 2026: Is Your Coverage Keeping Up With Your Life?
June 21, 2026Fatherhood Changes the Math: Coverage for New and Seasoned Dads
June 7, 2026Summer Weddings, Shared Futures: Money Steps for Engaged Couples
May 21, 2026IUL vs. Whole Life: How the Two Permanent Options Compare
May 7, 2026Grandparents and Life Insurance: Leaving a Legacy for the Grandkids
April 21, 2026Buy-Sell Agreements and Life Insurance: A Plain-English Primer for Partners
April 7, 2026Tax Time Reality Check: Does Your Family's Plan Still Add Up?
March 21, 2026Funeral Costs Explained: What Final Expenses Really Include
March 7, 2026Spring Into Action: A Fresh Look at Your Family's Safety Net
February 21, 2026Growing Family, Growing Needs: Coverage for Your Second Child and Beyond
February 7, 2026The Most Loving Line Item in Your Budget
January 21, 2026Coverage Review Season: Five Numbers Every Family Should Know
January 7, 2026Start the Year Covered: A Fresh-Start Guide to Life Insurance in 2026

2025

December 21, 2025Closing Out the Year: Your December Financial Checklist
December 7, 2025A Calmer Holiday Season Starts With a Plan for the Unexpected
November 21, 2025Giving That Outlives the Season: Charitable Giving and Life Insurance
November 7, 2025Around the Table: Why Families Talk About Protection in November
October 21, 2025Myth Check: 'I'm Young and Healthy, I Don't Need It Yet'
October 7, 2025Open Enrollment 2025: Don't Just Re-Enroll — Review
September 21, 2025Estate Basics for Everyday Families: Wills, Beneficiaries, and Insurance
September 7, 2025Life Insurance Awareness Month 2025: The Conversation Every Household Needs
August 21, 2025How Much Does Life Insurance Cost? What Actually Drives Your Rate
August 7, 2025College Dreams Need a Safety Net: Planning Beyond the Tuition Bill
July 21, 2025Key Person Insurance: When Your Business Can't Afford to Lose You
July 7, 2025Midyear Reset: Are Your Beneficiaries Still the Right People?
June 21, 2025Dads, Daughters, and the Safety Net Between Them
June 7, 2025Just Married? Your Financial Starter Checklist, Coverage Included
May 21, 2025What Is Cash Value? A Beginner's Guide to Permanent Life Insurance
May 7, 2025For the Moms Who Hold It All Together
April 21, 2025Term Life Insurance Explained: Simple, Affordable, and Temporary by Design
April 7, 2025Refunds, Raises, and Reviews: An April Money Reset for Families
March 21, 2025How Employer Coverage Is Calculated — and Why It Often Falls Short
March 7, 2025Spring Cleaning Your Subscriptions? Don't Overlook Your Protection
February 21, 2025New Baby, New Budget: Life Insurance in Your First Year as Parents
February 7, 2025Protecting the People You Love Isn't Just a February Thing
January 21, 2025Life Changes That Should Trigger a Coverage Review
January 7, 2025Resolution Season: Make This the Year Your Family Is Actually Covered

2024

December 21, 2024Before the Ball Drops: A Year-End Insurance Checklist
December 7, 2024The Coverage Conversation: Talking With Family About the Hard 'What Ifs'
November 21, 2024Everyday Debts, Real Risk: Credit Cards, Car Loans, and Life Insurance
November 7, 2024Giving Thanks, Giving Protection: A November Look at Family Security
October 21, 2024What Happens to Your Work Life Insurance When You Change Jobs?
October 7, 2024Open Enrollment Checklist: Questions to Ask About Your Work Coverage
September 21, 2024Legacy Basics: What Life Insurance Can Leave Behind
September 7, 2024Life Insurance Awareness Month 2024: Five Myths That Keep Families Uncovered
August 21, 2024Living Benefits Riders: Using Your Policy While You're Still Here
August 7, 2024Back-to-School Budgeting: Making Room for the Coverage That Matters
July 21, 2024Why Life Insurance Rates Rise With Age — and What That Means for Waiting
July 7, 2024Halfway Through the Year: A Midyear Coverage Gut-Check
June 21, 2024Indexed Universal Life (IUL) Explained: How It Works, in Plain English
June 7, 2024Wedding Season: The Financial Vows Nobody Talks About
May 21, 2024Whole Life Insurance Explained: Lifelong Coverage and Cash Value Basics
May 7, 2024Mother's Day Math: The Real Value of Everything Mom Does
April 21, 2024Life Insurance for Business Owners: Protecting What You've Built
April 7, 2024Tax Season Takeaways: What Your Return Reveals About Your Coverage
March 21, 2024Buying Young and Healthy: How Locking In Early Can Lower Your Costs
March 7, 2024Spring Financial Tune-Up: Debts, Budgets, and the Coverage Gap
February 21, 2024Single Parents: Why Life Insurance Matters Even More on One Income
February 7, 2024Love Is a Plan: Showing Up for the People Who Count on You
January 21, 2024Your Annual Coverage Review: What Changed This Year?
January 7, 2024New Year, New Safety Net: A Financial Reset That Starts With Protection

2023

December 21, 2023Year-End Money Review: Five Questions to Ask Before January
December 7, 2023A Gift That Lasts: Life Insurance as Part of Your Family's Holiday Planning
November 21, 2023Your Mortgage Outlives Your Paycheck: Life Insurance and Your Home Loan
November 7, 2023Grateful and Prepared: Protecting the Family Around Your Table
October 21, 2023Term vs. Permanent Life Insurance: A Plain-English Comparison
October 7, 2023Open Enrollment Is Coming: Why Your Work Policy Might Not Be Enough
September 21, 2023Final Expenses: The Costs Families Forget to Plan For
September 7, 2023September Is Life Insurance Awareness Month: What It Means for Your Family
August 21, 2023Co-Signed Student Loans: The Debt That Doesn't Disappear
August 7, 2023Back-to-School, Forward Thinking: Life Insurance and Your Kids' College Dreams
July 21, 2023How Much Life Insurance Do You Need? The DIME Method Explained
July 7, 2023Midyear Money Checkup: Is Your Family Still Covered?
June 21, 2023What Dad Really Provides: Protecting Your Family's Everyday Life
June 7, 2023Newlywed Money Talk: Life Insurance for Your First Years Together
May 21, 2023Expecting a Baby? Why New Parents Put Life Insurance on the Checklist
May 7, 2023The Stay-at-Home Parent's Paycheck: Why Coverage Matters Even Without a Salary
April 21, 2023Income Replacement: The Core Reason Most People Buy Life Insurance
April 7, 2023Got a Tax Refund? Smart Ways Ohio Families Put It to Work
March 29, 2023Life Insurance Basics: What It Is and Why Families Get It
March 17, 2023Spring-Clean Your Finances: Where Life Insurance Fits In