Term life insurance is best for specific expenses - If you have a specific need or time frame in mind, then term life insurance may be your best choice. And with Progressive® Life by Efinancial, you don't just get affordable term life insurance. You get the most bang for your buck, as term life is the most affordable kind of life insurance available through Efinancial.

What is term life insurance and when it’s best
Term life insurance policies are available for ages 18-80, and you can choose to have your policy last from set term lengths—the most common are 10, 15, 20, 30 years and pay out $100,000+. Your payments and benefit are fixed, meaning that neither will change or fluctuate during your term length.

Specific situations: Term life insurance is perfect for specific time frames, such as paying off your 30-year mortgage, or for specific needs, such as paying your children’s college costs that will start in 15 years. Basically if your finances are in order, but you’re worrying about a few larger expenses that you can time, term life will give you the most bang for your buck. If you want a policy that lasts your entire lifetime, then permanent life insurance might be best for you.

Term life insurance

Keep in mind that term life insurance rates are usually more affordable while you’re younger, and rates can increase as you get older. So the sooner you request a quote, the better your price may be.

Everything else term life insurance covers
When you get a term life insurance quote, you should determine how much coverage your family will need. Typically, customers get term life insurance to cover:

Lost income
Mortgage payments
Children's college tuition
Other debts that have specific end dates such as a car loan or business loan
Funeral or any other expenses your family may have
Get a term life insurance quote and instantly compare rates
We selected Efinancial to help you instantly compare term life insurance rates. Just get a quote, review a few different policy options, and estimated rates from leading term life insurance companies—then continue with the best company for you.

Depending on the coverage you select, a brief medical exam may be required to secure the best rate. See more on other types of life insurance we offer.

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Phoenix Criminal Defense Attorneys - Whether you’ve been charged with a criminal offense, are being investigated by law enforcement, or are facing other serious legal issues, it’s natural to feel overwhelmed. You could be facing incarceration in prison or jail, harsh probation conditions, hefty fines, loss of employment prospects, or any other restraints on or erosion of your liberties. It’s even worse if you are facing capital charges in a state like Arizona, where capital punishment is a legal penalty. A conviction could mean losing not only your liberty, but your life as well.

When you’re facing criminal charges, the only thing that you can do is defend yourself, and defend yourself well. While you have the option to represent yourself in court, there is nothing smarter and more logical than getting the services of the best criminal attorney Phoenix can provide to take up the legal fight for you. If you’re charged with a crime in Arizona, Contact Lane, Hupp, and Crowley, PLC to consult with experienced a Phoenix criminal defense lawyer right away.

Know your rights

There is never a more important time for you to be fully aware of all your rights than when you are charged with a crime. The Constitution of the United States guarantees those rights, which include the following:

The right to remain silent – Once you are accused of a crime, you will find yourself the subject of questioning either prior to or during court proceedings. You, the accused, have every right to refuse to give an answer or a comment, regardless of how intense the questioning can get. Generally, invoking your right to remain silent is invoking your right against self-incrimination as stated in the Fifth Amendment to the U.S. Constitution.

The right to counsel — According to the Sixth Amendment of the U.S. Constitution, every criminal defendant has a right to have legal representation every step of the way, not just during criminal trials. Ideally, the accused should have a lawyer from the moment of his or her arrest, right through the appeals process if he or she is convicted. If the defendant does not have the means to get the services of a lawyer, the State will appoint one for him or her at no cost.

The right to a trial by jury – Article III, Section 2 of the U.S. Constitution and the Sixth Amendment explicitly states that anyone accused of a crime has a right to a trial by jury under most circumstances. A criminal defendant also has the right to a public and speedy trial. However, the offense must be serious to warrant a trial by jury. According to the Supreme Court, a trial by jury will only be held in cases where the offense carries a potential sentence of more than six months’ imprisonment. Petty offenses, on the other hand, merit a trial by judge.

Why you should hire a Phoenix criminal lawyer
The Constitution of the United States guarantees your right to counsel, particularly with its provision for appointing you a lawyer in case you can’t afford one. However, while court-appointed attorneys are generally capable of mounting a good defense for you in court, there are a number of reasons why hiring a defense attorney may still be the best option for you.

You have a choice when it comes to Criminal Defense in Phoenix
Once a court appoints a public defender to represent you, he or she will be your legal counsel right up to the end, unless your court-appointed attorney demonstrates neglect or incompetence like missing filing deadlines or appointments and therefore violating your right to adequate representation.

Getting the services of a private lawyer, on the other hand, means you get the chance to seek out a lawyer of your choice. You can do your own research and check out referrals until you find a lawyer that you believe can represent you well enough to get you a favorable result.

You will have a dedicated Criminal Defense & DUI Lawyer
Public defenders, in principle, should be committed to your case. However, considering that a typical court-appointed lawyer handles as many as 200 cases at any given time, it’s a possibility that not enough time and attention would be given to your case.

With private criminal defense lawyers, you can be sure that your case will be given the time and effort that it deserves. Using all resources and tools at their disposal, private criminal defense attorneys will thoroughly study your case and with your cooperation, come up with a defense that will give you your best chance of an acquittal, a dismissal, a favorable plea agreement, or a lenient sentence.

Below are a few examples of the types of Arizona criminal defense matters that we handle:

Drug charges
Weapons charges
Aggravated assault
Domestic Violence
Aggravated DUI
Our Mission

Alex Lane, Jonathan Hupp, and Kevin Crowley founded Lane, Hupp, & Crowley, PLC to provide smart and effective representation to all individuals and companies who are accused of crimes or who otherwise need a powerful advocate in their corner. The partners have over 35 years of combined experience defending clients in all types of criminal, regulatory, or administrative proceedings. So whether you’re looking for an Arizona DUI lawyer or an attorney that specializes in more serious criminal cases, you can be sure you will receive the kind of legal defense to which you are entitled.

At Lane, Hupp, & Crowley, PLC, a partner will handle your case personally, unlike many other criminal defense firms in the Phoenix area. Clients of Lane, Hupp, & Crowley, PLC therefore receive the individualized service that a sole practitioner offers, with the benefit of having other experienced criminal defense attorneys in the firm to consult with. With Lane, Hupp, & Crowley, PLC, you will get the services of the best criminal or DUI lawyer Phoenix has to offer.

Lane, Hupp, & Crowley, PLC
The partners Alex Lane, Jonathan Hupp, and Kevin Crowley have represented clients in Superior Courts, Justice Courts, City Courts, and Municipal Courts throughout the State of Arizona. We serve clients in Phoenix, Scottsdale, Tempe, Gilbert, Mesa, Chandler, Tucson, Glendale, Peoria, Avondale, Surprise, Goodyear, Buckeye, Apache Junction, Maricopa County, and Pinal County, among other jurisdictions.

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The team at Lane, Hupp, & Crowley, PLC is ready to put its considerable experience and resources to work for your defense and give you the best chance at an acquittal, dismissal, favorable plea agreement, lenient sentence, or other advantageous resolution of your case. Call the office at 480-418-6970 or send an email to discuss your matter or schedule a free initial consultation.

How to Eat Healthy without “Dieting” - Eating healthy can be easy, tasty and inexpensive if you stick to some simple guidelines. Who isn’t trying to eat healthy these days? After all, it can help reduce your risk of heart disease, stroke and lots of other things you’d rather avoid. The good news is, eating right doesn’t have to be hard or require you to give up things you love. It’s all about making smart choices to build an overall healthy dietary pattern.

Here are some simple ways you and your family can eat healthier:

    Fruits and vegetables
    Whole grains
    Beans and legumes
    Nuts and seeds
    Fish (preferably oily fish with lots of omega-3 fatty acids), skinless poultry, and plant-based alternatives
    Low-fat and fat-free dairy products
    Healthier fats and non-tropical oils

    Sweets and added sugars, especially sugary drinks
    Sodium and salt
    Saturated fat
    Fatty or processed meats – if you choose to eat meat, select leaner cuts


    Trans fat and partially hydrogenated oils

Choose mindfully, even with healthier foods. Ingredients and nutrient content can vary a lot. Read labels. Compare nutrition information on package labels and select products with the lowest amounts of sodium, added sugars, saturated fat and trans fat, and no partially hydrogenated oils. Watch your calories. To maintain a healthy weight, eat only as many calories as you use up through physical activity. If you want to lose weight, take in fewer calories or burn more calories. Eat reasonable portions. Often this is less than you are served, especially when eating out.

Don’t dismiss entire food groups. Eat a wide variety of foods to get all the nutrients your body needs.
Cook and eat at home. You’ll have more control over ingredients and preparation methods. Look for the Heart-Check mark to easily identify foods that can be part of an overall healthy eating pattern.

We can help you make healthier choices:

    At home
    At work
    At the grocery store
    In restaurants

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Definition: A business model in which a distributor network is needed to build the business. Usually such businesses are also multilevel marketing in nature in that payouts occur at more than one level. . Network marketing is a type of business opportunity that is very popular with people looking for part-time, flexible businesses. Some of the best-known companies in America, including Avon, Mary Kay Cosmetics and Tupperware, fall under the network marketing umbrella.

Network marketing programs feature a low upfront investment--usually only a few hundred dollars for the purchase of a product sample kit--and the opportunity to sell a product line directly to friend, family and other personal contacts. Most network marketing programs also ask participants to recruit other sales representatives. The recruits constitute a rep's "downline," and their sales generate income for those above them in the program.

Things can get sticky when a network marketing network compensates participants primarily for recruiting others rather than for selling the company's products or services. A network marketing system in which most of the revenue comes from recruitment may be considered an illegal pyramid scheme.

Since network marketing programs are usually exempt from business opportunity regulation and aren't defined as franchises under state and federal franchise laws, you'll need to do your own investigation before investing any money.


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The ability to organize grassroots movements, whether locally or across the globe, is made possible by an open Internet. Since its creation, the Internet has become the world’s megaphone for free speech, protected by the principles of Net Neutrality, which require internet service providers (ISPs) to give everyone equal access to everything you use the internet for -- email, watching videos, listening to music, or signing petitions on Change.org. 

Without Net Neutrality, ISPs can choose what you see online, favoring some sources or blocking others. For example, if someone launched a petition on Change.org against a company like Verizon, Net Neutrality prevents Verizon from blocking or slowing their customers’ access to our site.  

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The Federal Communications Commission (FCC) is moving to end Net Neutrality -- which could mean giving big cable companies room to charge extra fees, block and censor users -- by removing ISPs from Title II of the Communications Act, a rule that means ISPs are subjected to tougher regulations that prevent them blocking sites, creating paid “fast” lanes, and throttling internet speeds. This decision could have global implications for the way the world shares and receives information from journalists, newsrooms, and NGO’s.

Net Neutrality also prevents ISPs from creating paid “fast lanes” that would give faster delivery of content to companies who can afford to pay more. An organization or platform like Change.org that couldn’t afford those fees, couldn’t communicate with their supporters. 

In the United States, there is strong bipartisan support for Net Neutrality. A recent poll conducted by Mozilla found that Republicans, Democrats and Independents overwhelmingly support these rules. 

At Change.org, we believe that people everywhere should have the tools they need to make their voices heard. We’re a social good company powered by technology that empowers anyone anywhere to take action on the issues they care about. A closed off Internet means fewer ways for millions of people to make the change they want to see.

Without an internet equally accessible to everyone regardless of income or geography, we can’t continue that mission. Add your name to let Congress and the FCC know that you support an open internet.

The Connecticut Education Network (CEN) in cooperation with the University of Connecticut (UConn) and the State of Connecticut, is now providing a 100 gigabit per second (100G) Layer 2/Layer 3 fiber connection, via the Internet2 Network backbone to UConn researchers. This Internet2 link capability benefits UConn's research community by facilitating high-performance data intensive research collaboration and exchange among peers at both national and international institutions.

The CEN-Internet2 link enables UConn researchers to advance their work in the following ways:

  1. • The Computer Science & Engineering (CSE) Department can perform wide area network performance research.
  2. • The Geography Department can continuously access high-resolution satellite images stored at external servers.
  3. • The Molecular and Cell Biology (MCB) Department can transfer huge genome sequence reads produced by next- generation sequencers and the processed outputs within campus and with external sites.
  4. • The Physics Department can participate in the Open Science Grid, a global community of scientists, researchers, and experts in high-throughput computing, and regularly transfer terabytes of jobs to and from the grid within a day.
  5. • The Statistics Department can conduct research on high-dimensional statistical modeling and inference using large data sets produced by health and biomedical studies.
  6. • UConn Health can conduct research on quantitative cell biology and simulations as well as computational genomics that require terabytes of data transfer on a daily basis.

The Connecticut Education NetworkThese projects are part of a wider research agenda at UConn focusing on big data and complex systems. Jeff Seemann, vice president for research at UConn, explains the importance of engaging with cutting edge technology. “The robust CEN-Internet2 network expands the boundaries of science that researchers can explore,” he says. “It forms the foundation for enhanced collaboration among research institutions and advanced utilization of consolidated high-tech resources and services within the state. Especially as high-performance integration of compute and big data become critical to emerging initiatives in the biosciences, improvements to the network enable the scientific breakthroughs that are of strategic importance to the economy of Connecticut.”

The Internet2 Network is built by and for the research and education community, and is designed to offer uninhibited performance to support and propel advanced research forward. The UConn 100G Layer 2/Layer 3 connection spurred the addition of a new Internet2 access point in Hartford with upgraded connections to the UConn Health Center, Storrs, and other CEN campuses. This will serve to not only support the growing needs of UConn researchers, but also increase connectivity and resiliency in a region with an active R&E community.

“UConn approached Internet2 because their data-intensive research needs were growing exponentially each year and, as a result, they needed a superior network to carry out their work,” said Rob Vietzke, vice president of network services at Internet2. “UConn is now directly connected to the most advanced global fabric of research facilities available, which will enable the university to accelerate its cutting-edge research in biological and physical sciences.”

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Super supplements- Eating a healthy, varied diet will help you get most of the vitamins and minerals you need, but when you are pregnant you will also need to take a folic acid supplement. The Department of Health also advises you consider taking a daily vitamin D supplement, particularly in the winter months (from October to the end of March) when we don’t get vitamin D from sunlight.

It can be difficult to get the recommended amount of folic acid and vitamin D from food alone. You can also ask your GP, midwife or pharmacist about supplements – your GP may be able to prescribe them for you. If you're on income-related benefits or under 18, you can get free vitamins while you're pregnant from the Healthy Start scheme.

Find out if you qualify for Healthy Start.
Folic acid

Super supplementsTaking a 400 microgram folic acid supplement before and during the early days of your pregnancy helps with the development of your unborn baby. However, women who suffer from diabetes, or have had a previous neural tube defect (NTD) affected pregnancy, or have a history of spina bifida or similar conditions in the family, should consult their doctor as they may need to take a daily dose of 5mg of folic acid.

This applies to all women who are either pregnant or planning to get pregnant, whatever their age, and whether or not there is a history of spina bifida or similar conditions in the family. Many people with spina bifida will have some paralysis and need aids to help them to walk or will need to use a wheelchair. It can also affect the nerves controlling the bowel and bladder.

Folic acid is a man-made form of folate, a B vitamin that occurs naturally in food. It’s unlikely that you’ll get enough folate to protect your baby just from the food you eat, which is why folic acid supplements are recommended. But it’s still a good idea to eat a healthy, balanced diet that includes folate-rich foods such as granary bread, beans and pulses, and green vegetables such as broccoli and spinach. Look out for the symbol on some breads and breakfast cereals which shows they’re fortified with extra folic acid.

Find out more about eating healthily while you’re pregnant

Folic acid supplements are widely available in pharmacies, health food shops and supermarkets, and cost as little as under £1 for a month’s supply. You can also get them free on prescription from your GP It doesn’t matter which brand of folic acid supplement you choose – just make sure each tablet contains 400 micrograms of folic acid. You’ll only need to take one tablet a day.
Vitamin D during pregnancy

Vitamin D regulates the amount of calcium in the body, which helps to keep bones and teeth strong and healthy.

Although we can get vitamin D from sunlight, it is also in some foods, including oily fish (such as salmon, mackerel, herring and sardines), eggs and red meat and foods fortified with vitamin D, including some breakfast cereals and most fat spreads.

Vitamin D is found only in a small number of foods and it might be difficult to get enough from foods alone. So all adults, including pregnant and breastfeeding women, should consider taking a daily supplement containing 10mcg of vitamin D, particularly during the winter months (October until the end of March).

From late March/early April to September most people should be able to get enough vitamin D from sunlight, so you might choose not to take a vitamin D supplement during these months.

Some groups may be at particular risk of vitamin D deficiency. Talk to your midwife or doctor to see if this applies to you.

If you’re in any doubt about taking vitamin supplements during your pregnancy or while you are breastfeeding, speak to your GP or another health professional such as a pharmacist.

Warning: If you’re pregnant, you should avoid supplements and multivitamins containing vitamin A (retinol) –– as too much of it can harm your baby’s development. You should also avoid liver and liver products (including fish liver oil), as they are high in vitamin A.