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7 tips for lowering your life insurance costs in 2024

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Family Stability
The right life insurance policy can be a crucial component of a solid financial plan, but it’s important to keep the costs down if you can.

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For many people, the right life insurance policy is a crucial financial tool. After all, this type of policy is what provides a safety net for your loved ones when you die — with the beneficiaries receiving a lump-sum payout that can help cover everything from funeral expenses to household bills. That, in turn, makes it a critical component of many people’s financial plans. And, when you consider the other potential life insurance benefits, it’s easy to see why this coverage is so important for the right person.

But while the right life insurance policy can be an essential aspect of financial planning, the cost of life insurance can sometimes be a concern. And, that may be especially true if you’re on a tight budget due to the current issues with inflation and the economy or are anticipating a significant decline in your income soon.

If you’re one of the people who’s concerned about covering the cost of their life insurance policies, there are several strategies you can employ to lower your life insurance costs in 2024. And, you can do so without compromising on your coverage. To help you get started, we compiled a few tips to help you make the most of your life insurance while keeping your premiums in check.

Compare your life insurance policy options online here

7 tips for lowering your life insurance costs in 2024

If you need to cut down on the costs of your life insurance this year, the following strategies may help you do so:

Assess your coverage needs

One of the common mistakes people make is overestimating the amount of coverage they require from their life insurance policy and too much coverage can result in unnecessarily high policy costs. So, take the time to assess your current financial situation, outstanding debts and future financial needs.

If you’ve paid off your mortgage or your children have become financially independent, you may not need as much coverage as you did in the past. By right-sizing your coverage, you can lower your premiums without sacrificing protection.

Find out how affordable your life insurance policy can be here.

Compare quotes from multiple insurers

Shopping around for life insurance is essential, as premiums can vary significantly between insurance providers. Take advantage of online comparison tools or consult with an independent insurance broker to get quotes from multiple companies. 

By comparing offers, you can identify the most cost-effective policy that meets your specific needs. Be sure to consider the reputation and financial stability of the insurance companies you are evaluating.

Improve your health habits

Your health plays a significant role in determining life insurance premiums. Insurers often consider factors such as your weight, blood pressure, cholesterol levels and overall health during that process.

In turn, making positive lifestyle changes, such as adopting a healthier diet, exercising regularly and avoiding tobacco products, can lead to lower premiums. Some insurers even offer discounts or incentives for policyholders who actively engage in wellness activities.

Opt for term life insurance

Term life insurance is generally more affordable than permanent or whole life insurance, so this type of coverage may be worth considering — as long as it fits your needs and goals. The big difference between the two types of coverage is that while permanent policies offer lifelong coverage and accumulate cash value, term life insurance provides coverage for a specific term (e.g., 10, 20 or 30 years). If you’re primarily looking for protection during a specific period, opting for term life insurance can result in substantial cost savings.

Bundle policies for discounts

Many insurance providers offer discounts for customers who bundle multiple policies, such as life insurance, auto insurance and homeowners insurance. Bundling can lead to significant savings on premiums. 

So, before committing to a life insurance policy, inquire about potential discounts for bundling to see if you’ll be able to save money by taking that route. If there’s a chance that bundling will save you money, you may want to explore consolidating your insurance needs with a single provider.

Consider a no-exam policy

Traditional life insurance policies often require a medical exam as part of the underwriting process. However, some insurers now offer no-exam life insurance policies that allow you to skip the medical exam. 

While these policies may come with slightly higher premiums for the average person, they can be a convenient and cost-effective option for individuals who prefer to avoid medical examinations or have minor health issues. That’s because, by removing the medical exam requirement, you may be offered lower premiums than you would otherwise get due to your pre-existing health issues, especially if your health issues would be considered more serious or high-risk by insurers.

Review and update your policy regularly

Life circumstances change over time, and it’s crucial to review your life insurance policy periodically. As your financial responsibilities evolve, you may find that you need more or less coverage. And, as you age, the cost of life insurance may increase. But by regularly reviewing and updating your policy, you can ensure that you have the right amount of coverage at the most cost-effective rate.

The bottom line

Lowering your life insurance costs in 2024 involves a combination of strategic planning, lifestyle adjustments and smart decision-making. By assessing your coverage needs, comparing quotes, improving your health habits, choosing the right type of policy, bundling insurance, considering no-exam options and reviewing your policy regularly, you can take control of your life insurance expenses without compromising the protection it provides for your loved ones. 



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2024 New York Film Festival opens with star-filled lineup

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The 62nd New York Film Festival opened at Lincoln Center on Friday, the return of what may be the best curated international film festival, featuring new works by such esteemed directors as Pedro Almodóvar, Mike Leigh, David Cronenberg, Paul Schrader, Steve McQueen, and Luca Guadagnino.

The festival, which runs through Oct. 14 at venues across New York City, showcases more than 100 films from 41 countries, including prize winners from the Cannes, Venice, Berlin, Sundance, Toronto and Locarno film festivals. Among the stars featured are Adrien Brody and Felicity Jones (“The Brutalist”), Daniel Craig (“Queer”), Richard Gere and Uma Thurman (“Oh, Canada”),  Tilda Swinton and Julianne Moore (“The Room Next Door”), Saoirse Ronan (“Blitz”), Cate Blanchett (“Rumours”), and Naomi Watts and Bill Murray (“The Friend”).

Angelina Jolie stars as opera diva Maria Callas in the biopic “Maria,” directed by Pablo Larrain (“Jackie,” “Spencer”). “Emilia Perez,” a crime thriller/musical, won the best actress award at Cannes for its four lead performers: Zoe Saldaña, Selena Gomez, Karla Sofía Gascón and Adriana Paz. “A Traveller’s Needs” stars the great Isabelle Huppert as a French teacher in South Korea whose unconventional teaching methods involve speaking hardly any French words. 

Gala screenings

Friday’s opening night presentation, “Nickel Boys,” is an adaptation of Colson Whitehead’s Pulitzer Prize-winning novel about a young Black student unjustly sent to a reform school in Florida, where he witnesses the cruel hypocrisies of the Jim Crow era. Directed by RaMell Ross (the Oscar-nominated documentary “Hale County This Morning, This Evening”), the film takes a subjective view of the characters’ journey into adulthood. It stars Ethan Herisse, Brandon Wilson, and Deveed Diggs.

To watch a trailer for “Nickel Boys” click on the video player below:


Nickel Boys | Trailer | NYFF62 by
Film at Lincoln Center on
YouTube

Other gala screenings include the festival’s centerpiece, “The Room Next Door.” Pedro Almodóvar’s first English-language feature, which won best film at the Venice Film Festival, stars Tilda Swinton and Julienne Moore as two old friends who reconnect over one’s desire to end her own life.


THE ROOM NEXT DOOR | Teaser Trailer (2024) by
Sony Pictures Classics on
YouTube

The festival’s closing night screening is Steve McQueen’s “Blitz,” starring Saoirse Ronan as a single mother separated from her child during the Germans’ bombing of London in World War II.


Blitz — Official Trailer | Apple TV+ by
Apple TV on
YouTube

Other notable entries in the festival lineup include “Queer,” based on William S. Burroughs’ book and directed by Luca Guadagnino (“Call Me By Your Name”). It stars Daniel Craig as a gay American expatriate in 1940s Mexico City who begins a love affair with a preppy newcomer (Drew Starkey). 

“All We Imagine As Light” (a grand prize-winner at Cannes) tells the story of the emotional bonds of a trio of nurses in Mumbai. Iranian emigree filmmaker Mohammad Rasoulof’s “The Seed of the Sacred Fig” explores the political divisions within the family of an Iranian judge. “Transamazonia” is centered on a woman who survived a plane crash in the Amazon jungle as a child and grows into a faith healer.

Jesse Eisenberg’s “A Real Pain” (which won a screenwriting award at Sundance) stars Eisenberg and Kieran Culkin as cousins reconnecting during a trip to the Polish hometown of their grandmother, a Holocaust survivor. In “The Friend,” Naomi Watts gains an unexpected inheritance from her deceased neighbor Bill Murray: a giant Great Dane.

Mike Leigh’s “Hard Truths” stars Marianne Jean-Baptiste (an Oscar nominee for “Secrets & Lies”) as a working-class woman struggling with physical and mental health problems. Guy Maddin, whose past films have been phantasmagorical flights of fantasy, returns to the festival with “Rumours,” in which world leaders at the G-7 Summit face an unusual brand of apocalypse. 

Also playing: “The Damned,” a Civil War drama of Union soldiers in the Northwest frontier; “Jimmy,” which reimagines the life of writer-activist James Baldwin when he moves from the United States to Paris in 1948; from Japan, the dystopian drama “Happyend,” which examines the surveillance of citizens in a Tokyo high school; and Miguel Gomes, behind the 2015 triptych “Arabian Nights,” directs “Grand Tour,” an immersive, time-shifting trip across Southeast Asia. 

Documentaries

Among the non-fiction films on tap are “Dahomey,” which traces the repatriation to Africa of cultural treasures that had been plundered by French colonial troops; “Suburban Fury,” which looks at the radicalization of Sara Jane Moore, a 45-year-old California woman and former FBI informant who attempted to assassinate President Gerald Ford; and the U.S. premiere of “Elton John: Never Too Late,” which explores the life and career of the pop-rock icon.

In “My Undesirable Friends,” Soviet Union-born filmmaker Julia Loktev returned to Moscow to make a documentary on independent journalism under Putin, just in time for the launch of Putin’s invasion of Ukraine. Brett Story and Stephen Maing’s “Union” documents the formation of the Amazon Labor Union, following an historic vote at the company’s Staten Island warehouse.

Revivals and restorations

The festival will screen 4K restorations of the Clive Barker horror film “Hellraiser,” featuring Pinhead; Robert Bresson’s “Four Nights of a Dreamer”; Marguerite Duras’ film debut, the 1966 “La Musica”; John Hanson and Rob Nilsson’s 1978 indie film “Northern Lights,” about the rise of a populist movement in North Dakota in the early 20th century; and Frederick Wiseman’s 1981 documentary “Model,” which, at two hours, is short compared to Wiseman’s recent films.

Also being screened, from 1977, is Marva Nabili’s “The Sealed Soil,” the earliest surviving film directed by an Iranian woman.

Free talks

The festival will host free discussions with filmmakers. Among those scheduled are “Nickel Boys” director RaMell Ross and Barry Jenkins (Sept. 29); Alex Ross Perry and Andrei Ujică, director of the documentary “TWST/Things We Said Today” (Oct. 3); Sigrid Nunez, author of the source novels “The Friend” and “The Room Next Door” (Oct. 5); director Zeinabu Irene Davis and Madeleine Hunt-Ehrlich, of “The Ballad of Suzanne Césaire” (Oct. 6); “Grand Tour” director Miguel Gomes and Payal Kapadia (Oct. 9); and Julia Loktev and Roberto Minervini (Oct. 9).

The festival runs through Oct. 16 at Lincoln Center, with additional screenings at the Alamo Drafthouse Cinema on Staten Island, the Brooklyn Academy of Music, the Bronx Museum, and the Museum of the Moving Image in Queens.

Early highlights

Of festival entries screened at press time, a few highlights are reviewed below. [More reviews will be published as the festival continues.]

the-brutalist-adrien-brody-felicity-jones-a24-1920.jpg
Adrien Brody and Felicity Jones in “The Brutalist.”

A24


“The Brutalist” (U.S. premiere)

Director and co-writer Brady Corbet’s taut post-war drama of a Hungarian architect trying to reinvent himself in America is a tale of refugees adrift in a so-called land of opportunity, where antisemitism lurks behind every welcome. Adrien Brody (“The Pianist”) plays László Tóth, whose arrival in Pennsylvania, and a chance commission through his assimilated cousin’s furniture business, sets him on a new path, one that plays like a dark, psychological character study from the 1970s. Tóth’s modern, brutalist style (which meets with much criticism), and his dogmatic beliefs in his own independence, both inflate and undermine his abilities to see the gargantuan project through to completion. 

The 3.5-hour film (with intermission) is epic in its emotional weight, as Tóth sacrifices his family and personal ties in the service of his static, monumental vision. Matching Brody in the strength of performance is Felicity Jones (“The Theory of Everything”), excellent as Tóth’s wife, Erzsébet, whose physical infirmity only reinforces her steely temperament; and Guy Pearce (“Memento,” “The Hurt Locker”), magnetic as Harrison Lee Van Buren, a wealthy businessman and patron who views a Tóth commission as a worthy monument to his ideals and, ultimately, his corruption. It’s a film of big ideas and oversized egos, and of a society ready to crush both. 

Shot in VistaVision, the picture screens Oct. 12 in 70mm, and Sept. 28 and Oct. 11 in 35mm. 215 mins., including 15-minute intermission. In English, Hungarian, Hebrew, Yiddish and Italian and English subtitles. An A24 release. Opens in theaters Dec. 20.  

anora-mikey-madison-neon.jpg
Mikey Madison in “Anora.”

Neon


“Anora”

At first, Sean Baker’s sly and at times uproarious comic-drama of a Brooklyn sex worker who enters into a Cinderella romance and marriage with the flighty son of Russian oligarchs seems a slight choice for top prize at this year’s Cannes Film Festival. (Recent Palme d’Or winners have included the comparatively heavy “Anatomy of a Fall,” “Triangle of Sadness” and “Parasite.”) But Baker, whose previous films include “The Florida Project” and “Tangerine,” consistently upends our expectations. In part this is due to the performance of Mikey Madison, who plays Anora (preferred name Ani) as a woman older than her 25 years, but still young enough to believe in the sanctity of elopement. Baker also twists what we’d expect of movie Russian oligarchs; here, the brute Brighton Beach muscle they bring are little match against a street-smart girl who has a romantic core but isn’t averse to using hardball tactics. With Mark Eydelshteyn as Ani’s love, Ivan; Karren Karagulian as Ivan’s intemperate godfather; and Vache Tovmasyan as an Armenian enforcer who is not terribly effective at his job, aided by the standoffish and brooding Igor (Yura Borisov). 

Screens Sept. 28, 29, Oct. 8.  138 mins. In English and Russian with English subtitles. A Neon release. Opens in theaters Oct. 18.

no-other-land-photo-rachel-szor-1920.jpg
Videographer and activist Basel Adra in “No Other Land.” 

Rachel Szor


“No Other Land”

For years, Basel Adra, a videographer and son of Palestinian activists, has documented the ongoing efforts of Israeli military and settlers to drive Palestinian residents out of the West Bank villages of Masafer Yatta. His camera records bulldozers brought in to knock down houses and schools, forcing those who refuse to leave to erect homes in caves. Meanwhile, visiting journalist Yuval Abraham writes articles on the displacement at Masafer Yatta that, he hopes, people will actually read. But witnessing the destruction prompts depression, and a reassessment of the patience needed to overcome systemic injustice, and the limits of journalism. “No Other Land” was shot before Hamas’ Oct. 7 terrorist attack on Israel, so it plays like a prelude to further horror. But just before a recent screening, Basel posted on social media that his father had been kidnapped and detained by the Israeli military. The distressing story never really ends. Directed by Adra, Abraham, Hamdan Ballal and Rachel Szor, the film won the Documentary Award at the Berlin Film Festival. 

Screens Sept. 29, Oct. 1, 5, 6.  95 mins. Arabic, English, and Hebrew with English subtitles. No distributor or release date has been announced.

“Apocalypse in the Tropics”

Directed by Petra Costa (“The Edge of Democracy,” “Elena”), this engrossing documentary traces the growing influence of the Dominionist evangelical movement in Brazil, which in recent years has grown to 30% of the population — a voting block that has proved impossible for Brazilian politicians to ignore. Front-and-center of the film is televangelist Silas Malafaia, a charismatic pastor (with a thriving publishing business on the side) who has the ear of Jair Bolsonaro, a hard-right politician riding his faithful fans to the presidency. But the Brazilian government’s failures during the COVID pandemic — characterized by Bolsonaro dismissing his country’s high mortality rate by saying, “We will all die one day” — weakens the evangelicals’ hold on the nation’s top office. Costa dissects how the theology of apocalypse aimed at bringing forth the end times suits the agenda of some — hence the disturbingly familiar scenes of insurrection as rioters overtake Brazil’s Congress and Supreme Court after Bolsanaro loses his 2022 reelection bid. 

Screens Sept. 29, 30. 110 mins. In Portuguese with English subtitles. Distributor and release date to be announced. 

Watch a trailer for the 62nd New York Film Festival: 


62nd New York Film Festival | Trailer by
Film at Lincoln Center on
YouTube





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Maps show voter registration options and deadlines for 2024 election

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Americans in all of the states and the District of Columbia still have time to register to vote in the 2024 elections this November. But those who haven’t registered yet should sign up soon — the deadlines are coming as soon as early October in some states.

In most states, those who wish to vote have more than one option that makes it easier and more convenient to register or update their registration than in past years.

“The good news is that it’s easier to register than ever across the United States,” CBS News election law contributor David Becker told “CBS Mornings” in September. 

All voters can check their registration status by going to vote.gov. 

Voter registration options in each state

In addition to the traditional method of registering in person, many states now have online registration, same-day voter registration and automatic voter registration. Same-day voter registration enables people to vote on the same day that they register during early voting periods and in many states, even on Election Day.

About half the states offer automatic voter registration. This means individuals are automatically registered to vote when they go to specific government agencies, like the department of motor vehicles, and obtain a driver’s license or ID. Those who wish to opt out of automatic registration may do so.

Here’s a map that shows the registration options in each state:

U.S. map showing availability of alternative voter registration methods for each state.


Deadlines to register in person, by mail or online in each state

The deadlines for advance voter registration (as opposed to same-day registration) are coming up in some states in early October, with some as late as Election Day. In the map below, you can see the deadlines to register in person, by mail or online in your state: 

U.S. map showing the last day to register in-person for the 2024 general election by state.


States that have same-day registration 

Nearly half the states, plus the District of Columbia, allow same-day registration on Election Day. Among the other variations on this kind of registration, there are also several states that have same-day registration periods that end before Election Day, but also offer same-day registration on Election Day.

Here are the states allowing same-day voter registration and their dates for the 2024 election:

  1. California: Oct. 22 to Nov. 5
  2. Colorado: Oct. 21 to Nov. 5
  3. Connecticut: Oct. 21 to Nov. 3, and Nov. 5
  4. District of Columbia: Oct. 28 to Nov. 3, and Nov. 5
  5. Hawaii: Oct. 22 to Nov. 5
  6. Idaho: Oct. 21 to Nov. 1, and Nov. 5
  7. Illinois Oct. 9 to Nov. 5
  8. Iowa: Oct. 22 to Nov. 5
  9. Maine: Oct. 7 to Oct. 31, and Nov. 5
  10. Maryland: Oct. 24 to Oct. 31, and Nov. 5
  11. Michigan: Oct. 22 to Nov. 5
  12. Minnesota: Sept. 20 to Nov. 5
  13. Montana: Oct. 8 to Nov. 5
  14. Nevada: Oct. 19 to Nov. 1, and Nov. 5
  15. New Hampshire: Nov. 5
  16. New Mexico: Oct. 8 to Nov. 2, and Nov. 5
  17. New York: Oct. 26
  18. North Carolina: Oct. 17 to Nov. 2
  19. North Dakota: Sep. 26 to Nov. 5
  20. Utah: Oct. 22 to Nov. 1, and Nov. 5
  21. Vermont: Sept. 23 to Nov. 5
  22. Virginia: Oct. 16 to Nov. 2, and Nov. 5
  23. Washington: Oct. 18 to Nov. 5
  24. Wisconsin: Oct. 22 to Nov. 1, and Nov. 5
  25. Wyoming: Oct. 22 to Nov. 5



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Arkansas couple accused of trying to sell baby for beer, money

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A couple in Arkansas was arrested after they allegedly attempted to sell their 2-month-old baby for a six-pack of beer and a $1,000 cashier’s check, court documents say.

Darien Urban, 21, and Shalene Ehlers, 20, the baby’s parents, were arrested on Sept. 21 after the manager of a campground in Benton County contacted the local sheriff’s department to report an incident involving the couple, CBS affiliate WREG reported.

The person said the couple had written a letter granting custody of their baby to Cody Martin in exchange for money. The letter, signed by Urban and Ehlers, included a disclaimer saying, “There will be no changing y’all two’s minds and to never contact again,” WREG reported, citing an affidavit.

Responding troopers found the baby needed medical attention and called emergency medical services, who took the infant to a local hospital for evaluation. The child is now in the care of the Arkansas Department of Human Services.

According to the affidavit, multiple witnesses corroborated the attempted adoption. A deputy also reportedly obtained a cellphone video of Urban and Ehlers signing the contract with the man trying to purchase the baby.

Witnesses reported that a resident of the campground, identified in the affidavit as Ricky Crawford, had earlier in the day visited Urban and Ehlers and offered to take the baby for the night in exchange for several cans of beer, WREG reported.

Crawford, who appeared heavily intoxicated, confirmed that he had taken the baby from the couple and brought the infant to Martin.

Another witness told authorities they smelled a strong ammonia and fecal odor coming from the baby, who had a dirty diaper. She told the deputies that after changing the baby, she saw a severe diaper rash, blisters and swelling, which she documented with photographs.

According to the affidavit, also obtained by Law & Crime, Martin told detectives that he spoke to Ehlers about the reason for the potential adoption, and she said “it was not working having three dogs and a baby.”

Court documents say Martin told detectives he drafted the agreement for Urban and Ehlers to sign but clarified that no money was exchanged at that time. He said he would arrange for a cashier’s check for $1,000. The couple never received this payment.

The couple was arrested and face felony charges of endangering the welfare of a minor and attempting to negotiate the relinquishment of a minor for adoption.

Urban was released on a $5,000 bond on Sept. 24, while Ehlers remains in custody on a $30,000 bail.



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