Life insurance, often misunderstood, is essentially a safety net for life’s unforeseen events. It’s a contract where you pay regular premiums to an insurance company, and in return, they provide financial support to your family if you pass away. This pact ensures your family’s financial stability in your absence, cushioning them against the economic impact of loss.



THE SPECTRUM OF LIFE INSURANCE POLICIES

Life insurance comes in various forms, each designed for different life stages and needs:

Term Life Insurance: This type provides coverage for a specific period, like 10, 20, or 30 years. It’s ideal for those seeking affordable, straightforward coverage without a lifelong...

By Robin Vercruse, Executive Director of the Low Carbon Fuels Coalition and Amy Brown, COO of Adelante Consulting, Inc.

New Mexico has worked hard over the past decade to diversify its economy and become a leader in renewable technologies that are catching on in other states. The legislature passed the Energy Transition Act, which sets renewable energy targets for our utilities. The energy sector has already begun to transition away from polluting coal to wind, solar and geothermal energy plants.

New Mexico is becoming a dynamic location for renewable technologies. For example, Maxeon Solar selected Albuquerque as its site for 3-Gigawatt solar cell and panel manufacturing facility...

There’s a supervolcano under Yellowstone National Park called the Yellowstone Caldera that last erupted in a big way approximately 640,000 years ago. The next time it erupts, it could potentially result in a large swath of North America getting covered in ash, creating a sustained volcanic winter that kills roughly half the world’s population. Before we get ahead of ourselves, scientists at the Yellowstone Volcano Observatory warn against overreacting to reports that this supervolcano is overdue for another full-scale eruption. In fact, they reassure us that “recurrence intervals of these events are neither regular nor predictable.”

Oh, good. The dormant supervolcano is...

Exploring the parallels between crop insurance, fixed index annuities

Imagine you are a farmer. You have been working the land for years, cultivating crops, and raising livestock. You have grown accustomed to the rhythms of the seasons, the unpredictable weather patterns, and the vagaries of the market. You have learned to adapt to the changing circumstances and to make the most of what you have.

But as you approach retirement age, you realize you need a new strategy. You need a way to protect your assets and ensure a steady income stream for the rest of your life. That’s where fixed-indexed annuities come in.

Fixed-indexed annuities can be considered the equivalent of crop...