November 25, 2025

The Most Stranger Things-Like Cities in the U.S.

Few shows capture the nostalgia of the 1980s quite like Stranger Things. From arcade lights and mall hangouts to mysterious small-town secrets, the series has become a modern classic built

November 21, 2025

How Does Term Life Insurance Work?

Term life insurance is a type of temporary coverage designed to protect your loved ones for a specific period—typically 10, 20, or 30 years. In simple terms, how does term

November 19, 2025

Joint Life Insurance Policy: What It Is and How It Works for Couples

A joint life insurance policy is designed to cover two people—most often spouses or long-term partners—under a single contract. Instead of managing two separate policies, couples can simplify their financial

November 18, 2025

The U.S. States With the Best and Worst Landlords

Renting a home comes with plenty of variables, but one factor can make or break the experience: the landlord. A good one communicates clearly, keeps up with repairs, and makes

November 14, 2025

What Is a Viatical Settlement? A Guide for Policyholders Facing Serious Illness

For policyholders facing a serious or terminal illness, managing both medical and financial challenges can feel overwhelming. One option that offers relief is a viatical settlement—a financial arrangement that allows

November 14, 2025

Can You Have Multiple Life Insurance Policies? A Guide to Layering Coverage for Your Needs

It’s a question many policyholders ask at some point: Can you have multiple life insurance policies? The short answer is yes — and in many cases, it’s not only possible

November 4, 2025

What Are the Tax Consequences of Cashing In a Life Insurance Policy?

Many policyholders are surprised to learn that cashing in a life insurance policy may lead to unexpected tax liability. While a policy’s cash value can be an appealing source of

October 29, 2025

What is the Cash Surrender Value of Life Insurance?

Purchasing a life insurance policy can be a big financial decision. When it comes to protecting your loved ones if you pass away, a life insurance policy is an easy

September 3, 2025

The U.S. Cities With the Highest-Rated Tourist Attractions

Some cities are simply better built for visitors. Whether it’s walkable downtowns, scenic views, or standout local landmarks, certain destinations offer more memorable experiences for out-of-towners. And in some cases,

July 24, 2025

Can You Sell a Term Life Insurance Policy?

Most people buy term life insurance to ensure their loved ones are financially protected in the event of an unexpected death. But what happens when the original reason for coverage

July 17, 2025

What Happens When a Life Insurance Policy Is Surrendered for Its Cash Value?

Surrendering a life insurance policy is a major financial decision that can bring immediate access to cash, but may also come with significant consequences. When you surrender your policy, you

July 16, 2025

How to Avoid Filial Responsibility

When it comes to family, most of us assume that helping aging parents is a personal choice, not a legal obligation. But in more than two dozen U.S. states, filial

July 10, 2025

How to Avoid a Nursing Home Taking Your House

One of the biggest fears families face when navigating long-term care is the possibility of losing their home. The idea that a nursing home might “take” your house can feel

April 2, 2025

The Most Popular Emojis in Every U.S. State

If you’ve ever sent a 😂 in response to a message only to get a confused reply back, you know emojis don’t always translate the same way for everyone. While

March 6, 2025

The Cost of Living Near Whole Foods

Have you ever noticed how some neighborhoods seem to flourish around certain stores? We got curious about whether living near a popular retailer like Whole Foods might actually affect how

August 21, 2024

Every State’s Favorite Classic Disney Movie

Disney movies have enchanted audiences for generations, creating a magical world that transcends age and geography. At Ovid, we understand the value of timeless stories and preserving cherished memories, much

June 24, 2024

An Analysis of America’s Firsts

There’s a first time for everything—whether it’s the electric jolt of excitement from a first concert or the nervous flutter of a first kiss, each first moment holds a meaningful

March 7, 2024

An Analysis of Streaming Subscriptions in 2024

Remember the days of strolling through Blockbuster, scouring your town’s Redbox selections, or finding a red envelope from Netflix in your mailbox? Do you also remember the limited choices, long

October 20, 2023

How the Grinch Stole the Hearts of Every U.S. State

Ever since Dr. Seuss introduced us to the Grinch — a green, Christmas-loathing character “whose heart grew three sizes” — we’ve been captivated. The tale has become so iconic that

July 21, 2023

The Most Popular Classic Rock Band in Every U.S. State

From The Who to The Stones, some iconic groups have been entertaining Americans well past their initial surge in popularity. But which classic rock groups are Americans still enamored with? 

April 27, 2023

The Most Popular Girl Scout Cookies in the U.S.

Are you ready to indulge in some serious cookie talk? It’s Girl Scout Cookie time again, and whether you’re a die-hard Thin Mints fan or can’t resist the chewy goodness

October 24, 2022

The Most Popular Baseball Hall of Famers in the U.S.

As we round third and head for home on another MLB season, baseball fans are getting excited for the World Series. The playoffs have given birth to many baseball legends

May 15, 2018

How Much Is My Life Insurance Policy Worth

There are a few main factors that go into figuring out how much money your life insurance policy is worth. The type of policy has an impact on how you

May 5, 2018

Can I Sell My Term Life Insurance for Cash?

You may have heard that people who own permanent life insurance policies have several options for getting cash out of their policy. [...]Read More... from Can I Sell My Term

January 27, 2018

How Are Viatical Settlements Taxed?

— It’s a commonly-held belief that proceeds from a viatical settlement aren’t taxed like ordinary income. While that’s generally true, there are specific conditions that must be met by the

January 22, 2018

Can I Cash in My Life Insurance Policy?

People who own a permanent life insurance policy with an investment component and have paid premiums for more than 15 years have several options for getting cash out of their

January 10, 2018

Can I sell my whole life insurance policy?

Funding retirement can be tricky. As people live longer every day, the cost of retirement continues to rise. Selling your existing life insurance could be a potential solution. [...]Read More...

January 16, 2017

How to Sell Your Life Insurance Policy

While purchasing a large life insurance policy in your 30’s was probably a wise move (especially if you were supporting a growing family) that big policy may not be such