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Author bio headshot, Sarah Li Cain

Sarah Li Cain

Sarah Li-Cain is a finance writer whose work has appeared in Bankrate, Business Insider, LendingTree, Redbook, Financial Planning Association and the Her Money podcast with Jean Chatzky. Her work helps those trying to change their financial life to see themselves in the starring role. She's also the host of Beyond The Dollar, a podcast in which she and her guests have deep and honest conversations about how money affects our wellbeing. Find her on LinkedIn.

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Life Insurance

What Is Permanent Life Insurance?

Whole life insurance provides coverage throughout your life. That’s different from term life insurance, which only covers you for a specific period of time.

By Sarah Li Cain
Wills & Estate Planning

What’s the Difference Between a Godparent and a Legal Guardian?

As you’re thinking about your estate planning, it’s important to understand the distinction between a godparent and a legal guardian.

By Sarah Li Cain
Work, Life, Balanced

How to Make Mundane Moments With Your Kids Feel Actually Special

We asked experts for ways to savor even the mundane time with family—whether or not we’re in the middle of a pandemic.

By Sarah Li Cain
Work, Life, Balanced

How Becoming the Breadwinner Changed My Perspective on Money

This new reality forced me to think about what would happen if I were gone. Could my husband afford the mortgage without my income?

By Sarah Li Cain
Life Insurance

What You Should Know About Life Insurance Ratings Agencies

Reputable ratings agencies can give you a sense of whether the issuer of your life insurance policy is legit. Here’s what you should know.

By Sarah Li Cain
Work, Life, Balanced

‘Niksen’ for Parents: How a Dutch Lifestyle Concept Improved My Life

This lifestyle trend has done wonders for my financial life, physical and mental health. Here’s how it’s helped me combat burnout and anxiety.

By Sarah Li Cain
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© 2022 Gerber Life Agency, LLC

Term Life Insurance Policy Series ICC22 2205-4004 WSA and Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA (and state variations where applicable) issued by Western-Southern Life Assurance Company, Cincinnati, OH which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company (est. 1967). All are members of Western & Southern Financial Group (Western & Southern). Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

All sample pricing is based on a 30-year old F in Excellent health for the coverage amount shown and a 10-year term policy, unless otherwise stated. Gerber Life Agency, LLC (GLA) is an insurance agency licensed to sell life insurance products. GLA will receive compensation from Western-Southern Life Assurance Company for such sales. The NAIC Company Code for Western-Southern Life Assurance Company is 92622.

Western-Southern Life Assurance Company's A+ Superior A.M. Best Rating: Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Ratings are subject to change from time to time. The ratings shown here are correct as of 09/03/2022. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

Plan like a parent. is a trademark of Fabric Technologies, Inc.

Gerber Life is a registered trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company.

In the State of California, Gerber Life Agency, LLC is known as and does business as Gerber Life Insurance Agency, LLC.