Author: Damjan Milenkovic

  • 6 Top Life Insurance Companies To Consider for a Safer 2024

    6 Top Life Insurance Companies To Consider for a Safer 2024

    Unexpected events can happen at any time, leaving your loved ones devastated and in debt. This is why you should check out our list of the top 6 life insurance companies and learn how they can provide financial protection for your family if you pass away.

    With the right insurance policy, you’ll ensure that the people you leave behind can cover the costs of your medical bills, funeral, and any of your remaining debts. What’s more, they’ll have enough money until they manage to get back on their feet. All this is a good enough reason why getting life insurance is worth your money.

    Keep reading to learn more about the types of life insurance and the agencies that offer the best policies on the market and learn why getting life insurance is worth your money.

    Best Life Insurance Companies

    Northwestern Mutual

    Northwestern Mutual is among the oldest companies that offer financial services and life insurance policies in the US. The organization was founded in 1857, and today it offers a Whole, Universal, Variable Universal, and Term life insurance policies.

    Northweastern Mutual Logo
    Key Features
    • Industry-leading coverage
    • Premiums that don’t increase
    • Guaranteed payout
    • Tax advantages

    New York Life

    New York Life was founded in 1845 and is one of the largest whole life insurance companies in the US. Nevertheless, New York Life offers several other types of life insurance to keep your loved ones covered on all occasions.

    New York Life Logo
    Key Features
    • Short and long-term protection
    • Cash value
    • Flexible protection
    • Market-based growth potential

    Transamerica

    Transamerica started off as a bank in 1928 but soon expanded its portfolio and included several financial services together with life insurance policies. It has over 11 million customers across the US.

    Transamerica Logo
    Key Features
    • Death benefit protection
    • Life expense coverage
    • Guaranteed level premiums
    • Cash value

    Prudential

    Prudent is among the top 10 life insurance companies when it comes to life insurance policies. Its services are available in the US, Asia, Europe, and Latin America. The company has been around for over 145 years and supports individuals, institutions, advisors, and employers.

    Prudential Logo
    Key Features
    • Term insurance at set price
    • Death benefit
    • Convertible policies
    • Cash value growth

    Bestow

    Bestow creates excellent life insurance products at affordable prices. It is among the best term life insurance companies in the US. The application is 100% online without the need for a medical exam.

    Bestow Logo
    Key Features
    • Up to $1 million in coverage
    • 10–30 year terms
    • Eligible ages are 18 to 60
    • Free quote

    Guardian Life

    Guardian has been in the industry for over 160 years, helping life insurance policyholders secure financial protection of their loved ones should they pass away. Apart from life insurance, the company offers disability policies, dental insurance, and other benefits to over 29 million customers.

    Guardian Logo
    Key Features
    • Different types of life insurance policies
    • Lifetime coverage
    • Income tax-free death benefit
    • Online quoting tool

    List of the Best Life Insurance Company Sites — Reviews 2024

    Northwestern Mutual

    Essential Features

    • Industry-leading coverage
    • Premiums that don’t increase
    • Guaranteed payout
    • Tax advantages

    Additional Features

    • Flexible funds
    • Customizable plans
    • Possible dividends
    • Life insurance calculator

    Overview

    Northwestern Mutual was ranked as the No. 1 life insurance company in 2020 and the world’s most admired company in 2021. Besides life insurance policies, Northwestern offers retirement planning and investment solutions.

    Types of Life Insurance Policies

    Being among the top life insurance companies, Northwestern offers four types of life insurance policies:

    • Whole life insurance
    • Universal life insurance
    • Term life insurance

    If you’re interested in the price of your life insurance policy, you can start by using the calculator on the website. Fill in the details about your family, location, gender, age, annual income, and other crucial factors.

    Once you’re done entering the information, you’ll get an estimate of the coverage you need to replace your income, cover leftover debts, and pay final expenses.

    Main Features of Different Policies

    There are four life insurance policies at Northwest, some of them being the best life insurance for seniors.

    Whole life insurance has premiums that never increase, guaranteed payout, flexible funds, and tax advantages. This type of life insurance policy has benefits you can use while you’re alive, and it builds cash over time.

    Universal life insurance includes flexible death benefits, flexible premiums, and cash value. This policy gives you lifelong protection and cash value to use at any time, plus flexible policies.

    Term life insurance is highly affordable, not tied to a work plan, and flexible. This policy is effective for only a certain amount of time.

    Variable life insurance policy gives you more flexibility when it comes to premiums and death benefits. This policy is a type of universal life insurance.

    Customer Support

    Being on the list of the best life insurance companies that pay out, Northwestern has an average customer rating, but the latest reviews are negative. People complained about issues with their accounts and the inability to cancel the policies. If you have any issues, visit the Contact Us page to find the support phone number.

    Our Verdict

    Based on what we saw on the official website, we’d definitely recommend Northwestern Mutual. However, some customer complaints show that this company should reconsider its approach to customers. To prevent possible issues, ask the agent to be completely transparent about the best life insurance policy for adults.

    New York Life

    Essential Features

    • Short and long-term protection
    • Cash value
    • Flexible protection
    • Market-based growth potential

    Additional Features

    • Various coverage types
    • Different types of premiums
    • Income tax-free benefit
    • Customizable policies

    Overview

    New York Life offers a variety of financial products to its customers, including life insurance policies. The company has over $300 billion in asset management, and as a mutual company, it responds only to its clients. Individual rating agencies rate New York Life with the highest ratings when it comes to life insurance.

    Types of Life Insurance Policies

    New York Life is on the list of the best life insurance companies, offering the following insurance policies:

    • Term life insurance
    • Whole life insurance
    • Variable Universal life insurance
    • Universal life insurance

    These insurance policies are different in the length of coverage, terms of payment, benefits, cash value, and growth features. What’s more, you can configure your policy to fit your needs better.

    Main Features of Different Policies

    Term life insurance offers temporary coverage with options to help you prepare for the future. It’s effective for a set period, and you pay the premiums for as long as your coverage lasts.

    When it comes to the term vs. whole life insurance, variable universal, and universal policies, the latter offer lifetime and long-term protection, and in some cases, guaranteed cash value growth. In addition, all of these policies are income-tax-free.

    Customer Support

    The average customer service rating is decent, but the latest reviews are poor. More recent customers claim the customer support is slow and doesn’t provide full support. Still, if you have any questions, you can contact an agent through the Contact Us page on the official website.

    Our Verdict

    New York Life offers various types of life insurance, and the differences between all policies are well explained on the website. What’s more, you can use other financial services the company offers, such as retirement planning or investing. New York Life is definitely worth considering if you’re looking for a good life insurance policy.

    However, be patient with customer support. Reach out as soon as you face issues with your policy, so the team has enough time to serve you. You can also ask for help to select the best universal life insurance.

    Transamerica

    Essential Features

    • Death benefit protection
    • Life expense coverage
    • Guaranteed level premiums
    • Cash value

    Additional Features

    • Life insurance for foreign nationals
    • Agent locator
    • Universal life insurance
    • Other financial services

    Overview

    Transamerica is devoted to helping its customers make the connection between health and wealth. With that in mind, the company offers multiple financial services as well as life insurance policies designed to fit most circumstances.

    Types of Life Insurance Policies

    Being among the best companies for life insurance, Transamerica provides the following policies:

    • Term life insurance
    • Index universal life insurance
    • Final expense insurance
    • Whole life insurance
    • Insurance for foreign nationals

    To find an agent that can help you select the right policy, you can use the agent locator tool on Transamerica’s official website. Just enter the zip code or use your current location to find the nearest agent.

    Main Features of Different Policies

    When it comes to Term life insurance from Transamerica, it can provide you with financial protection that ranges from $25,000 up to $10 million. What’s more, there are two term life insurance policies — Trendsetter Super and Trendsetter LB.

    Index universal policy offers multi-purpose protection and can act as a cash value life insurance.

    The Final Expense policy can be used to protect loved ones in case of sudden events. This policy can cover expenses starting at $1,000 up to $50,000 and includes a guaranteed death benefit.

    Whole life insurance combines the best of whole life guarantees with optional living benefits and can be customized. 

    Customer Support

    Even though Transamerica has an average rating, the latest customer reviews show that people had a hard time with their payouts. Still, if you decide to select this insurer, make sure to discuss all the terms with your agent before signing the papers. Visit the Contact Us page for more information.

    Our Verdict

    If you’re looking for the best indexed universal life insurance companies, take a look at what Transamerica has to offer. It is one of the rare organizations that believe in the connection between health and wealth and that every individual should enjoy their life.

    Prudential

    Essential Features

    • Term insurance at set price
    • Death benefit
    • Convertible policies
    • Cash value growth

    Additional Features

    • Variable insurance
    • Customizable policy
    • Chronic illness rider
    • Online quoting tool

    Overview

    Prudential was founded on the belief that everyone should have financial security. The company works hard to help its customers with some of the best life insurance policy offers. Some of them are even available internationally.

    Types of Life Insurance Policies

    These are the types of life insurance policies you can purchase from Prudential:

    • Term life insurance
    • Universal Life insurance
    • Indexed Universal Life insurance
    • Survivorship Universal Life insurance
    • Variable Universal Life insurance
    • Survivorship Variable Universal Life insurance

    Some of the policies are customizable, so you can add optional benefits. What’s more, you can include the following riders:

    • BenefitAccess rider
    • Survivorship BenefitAccess rider
    • Living needs benefit
    • Disability rider
    • Cash value riders, etc.

    Main Features of Different Policies

    The best term life insurance policies from Prudential come at set and flexible prices. Your loved ones will have the benefit of tax protection, consistent payments, and a preferred premium paying period.

    When it comes to Universal Life insurance, besides tax protection and flexibility, you can also count on cash value growth.

    Indexed Universal Life insurance provides the same benefits with the feature to credit interest based on the performance of the market index.

    Survivorship universal insurance is ideal for people who wish to leave a legacy for their beneficiaries.

    Variable Universal Insurance offers long-term coverage, cash growth, rewards for risk, and the option to manage your policies actively.

    Finally, Survivorship Variable Universal insurance offers coverage for legacy and can be used to minimize or offset taxes.

    Customer Support

    Even though Prudential is on the list of the best whole life insurance companies, the latest customer reviews show its support reps definitely need improvement. The team is slow to respond and solve issues. In case you have problems with your policy, visit the Help Center and FAQ section to look for answers.

    Our Verdict

    Prudential is a company that offers more than just life insurance. However, if you’re looking for a life insurance policy, Prudential can assist you with a variety of policies. The application process is easy, and some policies also don’t require a medical exam. This is why Prudential is among the life insurers you should check out.

    Bestow

    Essential Features

    • Up to $1 million in coverage
    • 10 to 30 year terms
    • Eligible ages from 18 to 60
    • Free quote

    Additional Features

    • 100% online application
    • No medical exam required
    • A+ rated policy provider
    • Policies start at about $10/month

    Overview

    Bestow is focused on life insurance policies only, and it seems to be doing its job just right. The company uses algorithms to pull your data once you give permission and decides whether you qualify and what your rates will be. Even though it was founded in 2016, Bestow is among the best-rated life insurance companies out there.

    Types of Life Insurance Policies

    At the moment, Bestow offers only a Term life insurance policy. This type of policy provides death benefits to your loved ones. For example, the payment your family receives could act as an income replacement until they manage without you.

    Term policy comes in five-year increments, and you can choose from 10- to 30-year terms. To determine whether you qualify for Bestow insurance, use a free quoting tool on its website and answer a few questions. 

    Main Features of Different Policies

    This is one of the top term life insurance companies for term life insurance offers. The first thing to note about Bestow is that the application for term life insurance is super simple and fast. You can apply via your phone or a computer and likely get instant approval.

    Bestow policy usually doesn’t require a medical exam. This policy covers you for a specified period and offers a death benefit if you pass during the term of your policy. What’s more, your beneficiaries receive the total coverage amount, usually tax-free.

    Customer Support

    According to the latest customer reviews, Bestow is the best term life insurance company and offers great customer service. Use the official website to explore the policy features and get in touch with Bestow via email [email protected], phone number, or live chat.

    Our Verdict

    Bestow deserves to be on the list of the best life insurance providers, even though it offers only term life insurance. The application process is fast, conducted online, and there’s no need for a medical exam. What’s more, the life insurance company reviews talk about excellent customer support.

    Guardian Life

    Essential Features

    • Various policies
    • Lifetime coverage
    • Income tax-free benefits
    • Online quoting tool

    Additional Features

    • Guardian EstateGuard
    • Policyholders can add more coverage
    • Whole life policies for people with HIV
    • Complementary financial products

    Overview

    Guardian Life is a mutual life insurance company, meaning it’s owned by its customers or policyholders. What’s more, people who own whole life insurance can share annual dividends. So far, Guardian has paid out $1.05 billion in dividends to policyholders.

    Types of Life Insurance Policies

    Being on the list of the best mutual life insurance companies, Guardian Life offers:

    • Term life insurance
    • Whole life insurance
    • Universal life insurance

    All the policies are explained on the website, so you should be able to decide which one is the best fit for you easily. These life insurance policies are suitable for:

    • Single adults
    • Income-producing parent
    • Stay-at-home parents
    • Homeowners
    • Student loan co-signers
    • High-net-worth individuals
    • Business owners

    Main Features of Different Policies

    Term life insurance lasts for a limited time, typically 10, 15, 20, or 30 years. It’s more affordable than the Whole or Universal insurance, but when the term ends, you’re no longer covered.

    On the other hand, some of the best whole life insurance policies provide guaranteed protection for the rest of your life, often with an added cash value. Whole life policies don’t expire as long as the premiums are paid.

    Finally, Universal life insurance provides protection together with cash value. This policy also provides flexibility in adjusting the monthly payments.

    Customer Support

    When writing this review, we couldn’t find any complaints about the support team. If you have any questions about life insurance, visit the Contact Us page on the Guardian Life website to find solutions or connect with a local office.

    Our Verdict

    Guardian Life offers three types of life insurance policies that provide enough coverage for anyone who needs this type of insurance. Overall, the company has enough financial strength to pay out the dividends, so you should worry about your claims and payouts. 

    The official Guardian website offers enough info to help you decide on the right policy, and we recommend checking it out.

    How To Select the Best Life Insurance Site?

    Getting a life insurance policy is a smart decision. Still, finding the right insurer can be challenging. Here’s how to look for the best insurer to help your loved ones after you pass.

    Types of Life Insurance Policy You Need

    You might be looking for the best life insurance companies for cancer patients, or you might think that getting term life insurance is enough. Regardless, check the offers on the official websites of multiple insurance companies and reach out to agents for assistance.

    Consider Additional Benefits

    Some life insurance policies offer additional benefits, like cash value or dividends, and usually, most payouts are tax-free. What’s more, you might not have to bother with a medical exam before you apply, so make sure to check on the details in the fine print.

    Throw a Glance at Their Customer Support

    If you wonder what the best life insurance companies are, check out what the other customers say about the support they received. Having top customer support is crucial for the people you leave behind, so you’ll want to find the company that provides just that.

    Check the Price Range and Coverage

    Most insurers aren’t transparent about their prices since the final cost depends on multiple factors. This is why you shouldn’t be surprised if you can’t find the price range of your desired policy. However, you can use online quoting tools to get an estimate.

    Summary

    Purchasing a life insurance policy is one of the best moves you can make. Life insurance companies can help you decide on the right insurance policy so that your loved ones can cover the expenses of your funeral, remaining debts and manage their lives without you for a while.

    There are a few different policies to consider, and some are even available to you even if you have HIV or suffer from an incurable disease. You never know what could happen and when your life could suddenly end, so keeping your family secured is a smart choice.

    People Also Ask

    Who is the number 1 life insurance company?

    Based on the latest data, Northwestern Mutual is the number one insurance life insurance provider in the US. In 2020, it had a market share of 10.6%. This insurer offers comprehensive policies for whole and term life insurance.
    Besides Northwestern Mutual, you may also find New York Life, MassMutual, Prudential, and Lincoln Financial among the top 10 best life insurers.

    Which company is best for life cover?

    If you’re looking for an excellent life insurance policy, you should check out different insurers before selecting the right one. Most companies offer a variety of different life insurance policies, and they should offer at least a simple comparison to help you choose.
    Some of the best companies that have been on the market for decades are Northwestern Mutual, New York Life, and Prudential. However, other new insurers can provide equally good life insurance.

    What does life insurance cover?

    In its essence, life insurance provides a financial benefit to the selected beneficiaries after a person’s death. This financial benefit can greatly reduce the burden of a funeral or any leftover debts.
    The main purpose of a life insurance policy is to make sure that people who depend on the insured person don’t get financially unstable after the death of the loved one.

    What doesn’t life insurance cover?

    While life insurance covers some unfortunate events like death by natural causes, accidents, or murder, there are some things it can’t cover. The primary reason your loved ones might not get paid out after your death is lying on the application.
    This includes lying about family medical history or certain medical conditions. Life insurance companies also won’t pay out the insurance if death happens due to alcohol or drug use or risky activities.

    How much life insurance do I need?

    Life insurance coverage depends on your financial goals and needs. Your loved ones who may depend on your income are likely to deal with your funeral, pay off your remaining debts, and handle daily expenses.
    Experts advise you to purchase 10 to 15 times your annual income in coverage. Another way to calculate the amount of insurance is to multiply the survivor’s living standard by 20.

    How does life insurance work?

    A life insurance policy acts as a contract between a policyholder and the insurance company. It’s designed to pay out a death benefit to the people who depend on the person that passed.
    The survivors can be paid in several ways, including lump-sum payments, installments, annuities, and retained asset accounts. In addition, some life insurance companies offer both death benefits and living benefits.

  • 20 Scary Mobile Malware Statistics to Keep in Mind

    20 Scary Mobile Malware Statistics to Keep in Mind

    Since you’re probably a mobile phone owner, these mobile malware statistics will open your eyes. Maybe you believe that you should only protect your PC or a laptop, but mobile phones can become an easy target for hackers. Your mobile device also connects to the internet, and you use social media platforms and apps, so chances are you can become a victim of mobile malware.

    Cybercriminals keep on inventing new malware, and these attacks are becoming a real challenge for the security industry. While it’s not as prevalent as other cyber attacks, it is a growing threat. Read the statistics below to learn why you should protect your mobile phone. 

    Mobile Malware Facts (Editor’s Choice)

    • A malware incident has affected 36.5% of organizations 
    • In Iran, almost 40% of mobile users were attacked by phone malware
    • In 2020, Kaspersky detected over 5.7 million malicious installation packages
    • Every day, Google Play Protect scans more than 500,000 apps
    • Nearly half of malicious apps are hidden
    • iOS faces 0.7% of total mobile malware threats
    • Avira can detect over 350,000 threats
    • Apps with a 4.5 star can also be scams

    Facts to Make You Think 

    Neither iOS or Android is completely safe from cyber attacks. Viruses, ransomware, Trojans, and many other malicious software are created to work in a mobile environment, and owning one or another device doesn’t guarantee safety. 

    1. Kaspersky found more than 5.7 million malicious installation packages in 2020.

    (Securelist)

    According to the mobile malware statistics from Kaspersky, there were around 5,683,694 installations of malicious packages in 2020. Attacks on personal data became more frequent, and Trojans have become more advanced. 

    2. Almost 4,000 people are victims of SMS phishing attacks. 

    (Lookout)

    More people started using mobile phones for banking, and cybercriminals have found a way to obtain their data. They send fake SMS, pretending to be the bank, asking users to click on a malicious link that steals their private information. 

    3. 2.5 million people downloaded multiple mobile adware apps. 

    (Zdnet)

    More than seven adware apps were downloaded from Google Play Store and Apple App Store. These apps were promoted on TikTok and other social media. They work simply by showing an aggressive pop-up ad to users, asking them to click to remove it. 

    4. 6.8% of iOS and 3% of Android devices are connected to third-party app stores.

    (Wandera) 

    Third-party app stores can be a source of threats. 6.8% of iOS and 3% of Android devices are connected to multiple stores apart from the official Google and Apple ones. To use these stores, users have to jailbreak their iPhones and configure Androids, making the devices more vulnerable. 

    5. 36.5% of organizations have suffered from a malware incident. 

    (Wandera)

    It’s not only individuals that suffer the consequences of malware for mobile devices. Once the malware is installed, it can secretly steal all data about the user and potentially grab the work-related information. 

    6. 29.1% iOS and 0.7% of Android devices run on old systems.

    (Wandera)

    The percentage of users who don’t update their OS is down for Android but up for iOS. Unfortunately, outdated operating systems leave space for malware on Android and iOS devices. 

    7. 50% or iOS and 20% of Android users jailbroken and rooted their devices in 2019.

    (Wandera)

    Just like outdated OSs, when a device is jailbroken or rooted, it gives way to unauthorized apps. These apps are often installed by users who might be unaware of what they’ve installed.

    8. 39.56% of mobile users in Iran were victims of mobile malware attacks in 2020.

    (Statista)

    Malware is present all over the globe, but some countries have it worse than others. Iran, Algeria, and Bangladesh have the highest percentage of mobile malware victims, with 39.56, 21.44, and 18.58%, respectively. 

    Android Malware Facts 

    While Android provides more flexibility to its users, many can become victims of malicious apps. Luckily, Google is working on preventing scammers and hackers from even listing their apps in the Store for download. 

    9. Android malware statistics show there are more than 4.18 million malicious apps. 

    (Gdatasoftware)

    There are around 11,000 new Android malicious apps on the market each day, and most of them are adware. These apps are still mainly focused on individuals, less on companies. 

    10. Google removed more than 1,700 malicious Joker apps.

    (Zdnet)

    In recent years, Google has removed more than 1,700 apps with Joker malware or Bread apps, from its Play Store. Many of these apps were downloaded more than 50,000 times. Bread apps originally worked by sending fraudulent SMS. 

    11. Google Play Protect scans more than 500,000 apps daily.

    (Android Security and Privacy Report)

    Google works hard to keep old and new Android malware away from users’ screens. Its cloud-based vetting process analyzes and reviews up to 500,000 apps daily and prevents the malicious ones from reaching the Store. 

    12. Even apps with a 4.5-star rating can be scams.

    (McAfee)

    One such app had more than 7,000 positive reviews used to build fake credibility and app rating. High ratings and positive reviews increase downloads, enabling the creators to utilize malicious apps further. 

    13. Almost 50% of malicious apps are hidden.

    (McAfee)

    According to mobile malware statistics from 2020, hidden apps make up almost half of malicious telemetry. These apps hide their presence on mobile devices while showing intrusive ads to users.They’re hard to find on the device and uninstall. Aside from that, they’re annoying for the users. 

    Apple is Safer than Android 

    No device is completely safe from cyber attacks and malicious apps, regardless of its operating system. However, iOS vs. Android malware statistics show that Apple iOS is more secure than Android. Android also has more attacks, likely due to the fact that more users have Androids than iPhones.

    14. 0.7% of total mobile malware threats are aimed at iOS.

    (TheTechAddict)

    Many iPhone users are wondering how safe their phone is, and the answer is it’s safer than Android. It’s extremely hard to penetrate iOS devices, however, it’s not impossible to breach it. 

    15. The most famous iOS malware was created in 2015.

    (Lookout)

    XcodeGhost is the most famous iOS malicious code. It was inserted into iOS apps via tampered Apple Xcode and made its way to the Apple App Store. It’s been the largest attack on the Apple App Store so far.

    Known Apps with Malware

    Both Apple and Google work on instantly removing scammy apps, and so far, the success has been high. These are some of the most famous apps that contain malware.

    16. Apple removed 17 apps. 

    (Digitaltrends)

    These apps were developed by a mobile security company Wandera. They operated as described in the Apple Store, but they ran fraudulent tasks in the background, such as opening websites or clicking various links. Some of the apps were RTO Vehicle Information, Daily Fitness – Yoga Poses, Around me Place Finder, Dual Accounts Pro, and others. 

    17. Android users had to remove these 16 apps manually.

    (PCMag)

    While Google removed many apps with Joker malware, these had to be manually uninstalled from Androids. According to the latest Android malware statistics from 2020, they are All Good PDF Scanner, Direct Messenger, Private SMS, Style Photo Collage, Unique Keyboard – Fancy Fonts & Free Emoticons, and so on.

    Best antivirus software to fight mobile malware threats

    Just like mobile malware continues to develop, many antivirus companies have created antivirus software for mobile devices. These are some of the best ones that can be downloaded for free. 

    18. McAfee uses 256-bit encryption. 

    (Guru99)

    It prevents multiple types of viruses, malware, and ransomware from infecting the device. It stores sensitive files in the system by using 256-encryption. 

    19. Bitdefender was featured as a product of the year in 2019.

    (Bitdefender)

    It supports multiple devices, including Android and iOS, with additional parental control options. It comes with many other features, such as a VPN, to enhance security. 

    20. Avira antivirus can detect more than 350,000 threats.

    (Avira)

    The Avira antivirus is a great solution against mobile device attacks. It protects from web-based and other threats. This antivirus also comes with Smart Scan and Device optimization features. 

    Conclusion 

    While a mobile phone is an ultimate tool in your pocket, it can also become a weapon turned against you. Cybercriminals can use any device that connects to the internet, including yours, to dig up private information and abuse it. Android users are in greater danger, according to the mobile malware statistics. Unfortunately, iPhone users often jailbreak their phones to install third-party apps. This leaves space for malware to penetrate the device and do harm. 

    Luckily, Google works hard to remove scammy and spammy apps from its Store. However, criminals will go above and beyond to cause harm. Even if you don’t have any malicious apps installed, you could still receive a convincing SMS that appears to be from your bank, asking you to click a link. That’s why you should be careful with how you use your phone. 

    People Also Ask

    Can your phone be infected with malware?

    In today’s day and age, any device can be infected with malware, including phones. However, there’s a difference when it comes to operating systems. Android users have a higher chance of getting malware than iOS users, but iOS users aren’t completely safe either. No system is bulletproof, especially if the mobile device is rooted or tampered with to install third-party apps.

    What is the most common goal of mobile malware?

    Depending on the malicious intentions of cybercriminals, there can be one or many goals, but the most common one is to collect data. Stolen private information can be further used to penetrate bank accounts, commit identity frauds, and other crimes. Malware will sometimes sign up users to random services they didn’t agree to and charge fees or lock the phone, asking for ransom.

    Which countries are hardest hit by malware?

    Malware is present all over the globe, but some countries have it worse than others. Iran, Algeria, and Bangladesh have the highest percentage of mobile malware victims, with more than a third of all mobile phone users in Iran being attacked. Kuwait, Indonesia, and Cuba have had the least number of attacks in 2020, around the 13% mark.

    How do I protect my phone from malware?

    There are several ways to protect yourself and your phone from malware. Only install apps from trusted sources. Don’t open suspicious emails or click the links from messages. Regularly change passwords to your social media and bank accounts. Do your best to avoid jailbreaking or rooting your device, and finally, download one of the free antivirus solutions for mobile phones. Antiviruses won’t slow down your device, but they will do the trick of removing malicious apps.

    What is the cause of mobile malware?

    Most cybercriminals try to spread the malware through apps and downloads. While the apps on official platforms are safe, the pirated apps from outside sources can easily turn out to be malicious. This is also another reason why Android phones are more vulnerable—Google allows downloading apps from third-party sources. According to mobile malware statistics, users who jailbreak their iPhones and remove restrictions are also an easy target.

  • 20+ Concerning Smartphone Addiction Statistics

    20+ Concerning Smartphone Addiction Statistics

    Smartphone ownership has increased dramatically over the years, even among the youngest. Furthermore, smartphone addiction statistics show how this leads to people becoming overly dependent on smart devices. 

    Colloquially known as ‘nomophobia,’ phone addiction has a somewhat negative impact on personal and professional life. Research shows that it can fuel stress and anxiety while also leading to health issues, such as sleep deprivation.

    Reliance on smartphones for online access is widespread among young people. So it isn’t surprising that the below stats show a significantly greater number of ‘addicts’ among the young rather than older generations.

    Tech Addiction Statistics (Editor’s Choice)

    • In 2020, there were around 3.5 billion smartphone users globally
    • On average, 90% of Americans are internet users
    • By 2025, 72% of the world will access the internet only from their smartphones 
    • In the US, Gen Z smartphone users unlock their devices 79 times a day
    • US employees spend at least 1.4 hours a day on digital content unrelated to their job
    • In the US, only 4% of college graduates are dependent on their smart devices
    • Almost 88% of people feel nervous if they leave their phone at home
    • 59% of American teens have been victims of online harassment

    Smartphone Usage Statistics

    Mobile phone ownership has increased over the past few years worldwide. Many stats and facts show that the United States is one of the leading countries in smartphone usage and internet access. 

    1. There were 3.5 billion smartphone users worldwide in 2020.

    (Statista)

    This number surpassed the previous year by 0.3 billion and will almost surely rise by several hundred million in the next few years. 

    Smartphone usage stats show that China, India, and the United States are the leaders in smartphone usage, with each country easily exceeding the 100-million user mark.

    2. 72% of the world will access the internet solely from their smartphones by 2025. 

    (CNBC/WARC)

    The study estimates that 2 billion people on average only use their smartphones for internet access. This WARC forecast suggests that the number will rise by about 1.7 billion in the next few years.

    Only a small number, 69 million, are expected to continue accessing the internet using their computers only, facts that suggest more phone addiction in the immediate future. 

    3. The current number of smartphone users in the United States is 294.15 million.

    (Statista)

    The 2020 number shows a 6.36 million rise compared to the previous year and a drastic 212.52 million increase from 2010 when the US registered only 81.63 million cell phone users. 

    The smartphone usage forecast predicts a boost in the current number, expected to reach 311.5 million by 2025, with 17.35 million more than 2020.

    4. 85% of Americans own smartphones, while 97% of the US population owns a cell phone.

    (Pew Research Center)

    Cell phone use statistics show a significant increase in smartphone ownership from the Pew Research Center’s first survey of smartphone ownership conducted in 2011 when the percentage reached a modest 35%, which up to 2021 increased by 142%. 

    5. Smartphone users in the United States unlock their devices an average of 4.8 times per hour during working hours.

    (Statista)

    A 2019 report shows that the rate of unlocks per hour escalates during working hours and early evening, reaching an average of 4.8 times hourly on weekdays, and de-escalates significantly toward nighttime, reaching an average of 3 unlocks per hour.

    6. Americans check their phones 96 times a day.

    (Asurion)

    This Asurion 2019 overuse of technology statistics estimate that about once every 10 minutes, which marks a 20% daily increase compared to a similar survey two years ago. 

    Young adults, 18–24, check their phones twice as much as the national ‘norm.’ However, they are also more aware of their heavy phone use rather than the other age groups and more likely to cut down their time spent on smartphones.

    Cell Phone Usage Statistics by Age

    The statistics organized by age range, including studies on internet access, mobile phone usage, and social networking platforms, show that young people are the most active technology users. 

    7. All young adults in the United States use the internet.

    (Statista)

    Technology use and addiction statistics show that Americans within the 18–29 age group use the internet, closely followed by the 30–49 age range, with 97 percent nationwide. 

    This nearly perfect 100 percent is decreasing steadily, until reaching 73% for the 65+-year-olds. Thus, on average, 90% of the US population are current internet users.

    8. 99% of American teens and adults own a cell phone. 

    (Pew Research Center)

    Cell phone usage statistics by age, ranging from 18-year-olds to 65+, show that nearly all teens and young adults in the United States own a cell phone, out of which 96% have smartphones. 

    The percentage in any kind of cell phone ownership remains relatively steady, decreasing from the 99%, registered in 18–29 age range, by only 8% toward the 65+-year-olds. However, the fall in smartphone ownership numbers is much more significant: 96% of people in the first age group own smartphones, and only 53% of the 65+ group use smart devices.

    9. Gen Z smartphone users in the United States unlock their devices 79 times daily on average.

    (Statista)

    The latest smartphone usage stats by generation show that Gen Zers in the US ranks first when unlocking their smart device. 

    Millennials ranked second, unlocking their smartphones 63 times a day on average, while the Silent Generation had the lowest number of daily opens, at about 18 times.

    10. 72% of US adults are active social media users. 

    (Pew Research Center)

    The statistics and facts about technology addiction by age show that people in the 18–29 age group rank the highest with 90%. At the same time, social media registers a drastic decrease by 50% in the 65+ age group. 

    The 50–64-year-olds establish a median between the age ranges mentioned above, at 69%. 

    11. Younger US employees are more likely to use their phones during working hours. 

    (Screen Education)

    This 2020 stat shows that employees aged 18 to 34 spend approximately 3.1 hours every workday on digital content that has nothing to do with their work. 

    Cell phone dependency in the workplace diminishes somewhat in workers aged 34 to 54, who spend about 2.4 hours on unrelated digital content and more notably among 55 or older employees. Their average distraction time is 1.8 hours. 

    Smartphone Addiction Statistics

    Facts and stats about phone dependency in the US show variations determined by classifications into age groups, race, and education. Nationwide, surprisingly, the number of technology ‘addicts’ has been falling.

    12. Nearly 57% of people feel ‘somewhat’ addicted to their phones. 

    (Reviews)

    Out of 500 people who have been part of the study conducted by Reviews, 56.4% feel they are ‘somewhat’ addicted to their smart devices, while 19% admit they are ‘very’ dependent on their phones. 

    The same phone addiction statistics show that 24.6% of these people consider themselves ‘not at all’ addicted to their phones.

    13. 15% of Americans are dependent on their smartphones. 

    (Pew Research Center)

    The latest data from Pew Research shows that dependency fluctuates from one year to the next, falling from 17% in the year 2019 to 15% in 2021. 

    Looking at the data given by nomophobia statistics by category, if age, race, and education divide present notable fluctuation in percentages from one group to the next, gender only marks a 1% difference.

    14. 87.8% of people feel uneasy leaving their phones at home.

    (Reviews)

    Statistics show that most people who were part of the Reviews study have nomophobia. Similarly, 65.6% check their phones up to 160 times a day. 

    Another 65.7% of these 500 people that took part in the survey claim to sleep with their phone at night.

    15. 22% of young Americans are addicted to their smart devices. 

    (Pew Research Center)

    Statistics about cell phone addiction show that young adults are significantly more dependent on their smart devices than older people. For example, there is a 10% gap between the 18 to 29 age and 65+ groups. 

    But while the percentage of young people and adults younger than 49 dependent on their smartphones decreased by 7% from 2019 to 2021, the 65+ age range rate stayed the same — 12%. 

    16. 25% of Hispanic Americans show smartphone dependency.

    (Pew Research Center)

    Hispanic Americans rank highest in smartphone dependency with 25%. While the 2019 difference in percentage between Hispanic and African Americans was not significant, only 2%, the difference between them now is 8%.

    17. Higher educated people are less likely to become addicted to their phones.

    (Pew Research Center)

    The cell phone addiction statistics show that only 4% of US college graduates were dependent on their smart devices in 2021, while the percentage of those with a high school education or less was 23%.

    Moreover, around 15% of those who only attended college showed phone addiction in 2021. 

    18. Employees in the US spend at least 1.4 hours daily on digital content unrelated to their job.

    (Screen Education)

    The 1.4 hours estimate is what respondents in 2019 claimed they spent on content apart from their job during working hours. 

    Among the smartphone addiction statistics for 2020, this study shows, however, that researchers believe the responders underestimate their addiction and, in reality, spend somewhere between 1.4 to 2.5 hours a day on digital content unrelated to their job.

    Teenage Cell Phone Addiction Statistics

    Research shows that smartphone addiction among teenagers is the most dangerous from several viewpoints, including lack of focus, mental health issues, and vulnerability to cyberspace bullying. 

    19. By age 11, 53% of American kids have their smartphones.

    (Common Sense Media)

    Smartphone ownership increases as kids grow older, reaching 83% by the age of 15, and 91% by 18. 

    Similarly, teenage cell phone use and ownership statistics show a substantial rise over the past few years, presenting a concerning increase from an average of 67% in 2015 among teens aged 13–18 to about 84% in 2019 in the same age group. 

    20. Fewer teens feel more addicted to their phones than in previous years.

    (Common Sense Media)

    A Common Sense Media stat shows that the percentage of teens who feel addicted to their smartphones decreased by 11% from 2016 to 2019, thus reaching 39%. Yet, paradoxically, the rate of parents that are ‘addicts’ is on the rise, from 27% to 45% in the previously stated timeframe. 

    This teenage cell phone addiction research also shows that everyone belonging to the same household is likely to feel addicted to their smart devices; 56% of the teens saying that if their parents are addicted, they become addicted themselves.

    21. 58% of teens in the United States are distracted by their phones at least once a day. 

    (Common Sense Media)

    The distraction through the use of smartphones has a notable impact on daily life. As the cell phone addiction statistics show, 36% of teens wake up at night to check their phones at least once. 

    Similarly, in 2019, 28% of the parents felt that their relationship with their children was affected by phone addiction. However, a more significant number of parents, namely 55%, thought it had no impact on good relationships, and an even larger number of teens, 72%, agreed with this statement.

    22. Cell phone dependency affects the mental well-being of teenagers. 

    (Bank My Cell)

    Teenage cell phone addiction statistics for 2020 show that teens who spend over 5 hours a day on their phones are 71% more exposed to suicide factors, while those spending just 1 hour daily are far less likely to be exposed to this considerable risk. 

    Depression is another risk factor that smartphone dependency leads to among teenagers. For example, eighth-graders addicted to social media are exposed to a 27% greater risk of becoming depressed. 

    23. 59% of American teens have experienced online harassment.

    (Pew Research Center)

    There are numerous articles on harassment online, and particularly on how safe the internet is for kids. However, according to Pew Research Center smartphone addiction statistics, most kids experienced different forms of cyberbullying

    42% of US teenagers experienced offensive name-calling, and 32% were the victims of rumor-spreading. A worrying 16% of young users also experience physical threats. 

    Phone Addiction – The Bottom Line

    Living in a world marked by fast technological development, it is hardly surprising that more people own smartphones now than they did just several years ago.

    It is equally unsurprising that the dependency on smartphones—to access the internet, social media, emails, calls, texts, etc.—is a leading cause of stress.

    Overall, this reliance on smart devices is very likely to continue in the future; thus, the number of people addicted to technology will inevitably be on the rise.

    People Also Ask

    How common is phone addiction?

    Smartphone addiction can happen to virtually anyone, and it is regarded as a 21st century ‘evil.’ It is common for people to feel anxious if they are forced to give up their phones for a short time. This sense of uneasiness at being out without your smart device is known as nomophobia, which means a fear of or anxiety caused by not having a working mobile phone, better said, to not having a phone at all (no-mobile-phone-phobia). Studies show that approximately one in five Americans uses the internet only on smartphones.

    How many people are addicted to their phones?

    Approximately 75.4% of survey or focus group participants admit that they are addicted to their phones, while 65.7% claim to sleep with their phones. Overall, 66% of the US population shows signs of nomophobia. What is more, two in three people claim to be addicted to their phones. Smartphone dependency is a genuine and concerning issue of modern days. The lockdowns in 2020 helped aggravate the problem. People increased their phone usage time by about one hour per day.

    What percentage of kids are addicted to their phones?

    The most recent data shows that 58% of teens in the United States are distracted by their phones at least once a day. However, compared to the previous years, fewer teens admit an addiction to their smartphones—39% claim they’re dependent on their phones, which is 11% less than six years ago. For parents, it may look like their kids are addicted or feel addicted to their smartphones. But, in reality, that’s just typical teen behavior. Teens check their phones frequently and feel pressure to respond quickly to messages.

    What age group uses smartphones the most?

    Interestingly, phone addiction and social media addiction are closely linked. It is true especially for younger people, or rather teenagers, who probably aren’t just using their smartphone as a modern variant of an alarm clock, or just checking their emails or even talking on their phones; they’re on social media. Unfortunately, according to a growing number of studies, it looks more and more like this pastime is becoming addictive.

    How often do people check their phones?

    According to new stats and facts released by global tech care company Asurion, Americans now check their phones 96 times a day—that, on average, means once every 10 minutes. Millennials, for example, check their phones on average 150 times per day (Specialists hold their nearly 24/7 use of social media responsible for emojis, use of visuals as a replacement for text (think of memes), and shortening the attention span to 140 characters limit). In addition, men of all ages are likely to check their phones more often (about every 22 minutes) than women (approximately every 26 minutes).

    Why are phones addictive?

    For many people, social interaction stimulates dopamine release (the neurotransmitter of pleasure), similar to drug effect. Because so many people use their phones for social interaction, they become accustomed to checking them more often for that hit of dopamine released when they connect on social media. App developers depend on that urge to keep you checking your device. Some apps even send notifications in unpredictable patterns to maximize that dopamine release. Finally, smartphone addiction statistics show that smartphone use peaks during the teenage years which developers also count on.

  • 28 Captivating Teen Driving Statistics

    28 Captivating Teen Driving Statistics

    Teen driving statistics may not seem too bright when observed in general. The number of vehicle crashes involving teens is still relatively high. 

    On the other hand, we would come off as pessimistic if we didn’t notice that, for example, the number of drunk teen driving cases has been on a significant drop over the last thirty or forty years. 

    Along the following lines, we’ll introduce you to the good and the bad when it comes to teen driving. 

    The Top 8 Teen Driving Statistics (Editor’s Choice)

    • Motor vehicle crashes represent the leading cause of teen deaths and disabilities
    • 11 teenagers get killed due to texting and driving annually
    • Over 55% of teenagers confess to talking on the phone while driving
    • On average, drinking and driving is responsible for eight teenager deaths per day 
    • 13% of passenger deaths in 2019 happened while a teenager was driving
    • 31% of male drivers 15–20 who were victims of fatal crashes in 2019 were speeding
    • If accompanied, teenagers are 2.5 times more likely to show risky behavior in traffic 
    • Since 1982, drunk driving fatalities among teens have dropped by 81%

    General Teen Driver Facts 

    As estimated, there are around 15 million teen drivers in the US. That makes 6.7% of the nation’s driving population. Still, even though it is a small percentage compared to the total number of citizens who drive, the number of crashes caused by teen drivers seems to be relatively high. 

    1. The leading cause of teen deaths and disabilities is motor vehicle crashes. 

    (CDC)

    As teenage crash statistics point out, there are five leading teen death causes. The first one is accidents (unwanted injuries); the others are homicide, suicide, cancer, and heart diseases. Still, accidents take up almost half of teen death cases, and the leading cause of accidents is motor vehicle crashes. To put the numbers into perspective, even though homicide takes second place, it causes (only) 13% of all teen deaths in the US. 

    2. There are three main causes of teenage car crashes.

    (Tracking System Direct)

    All teen driving statistics agree upon one thing—the leading cause of teenage car crashes is distracted driving. Besides, it is the main cause of crashes even among adult drivers. The second most frequent crash cause among teens is speeding or going too fast for the particular road conditions. The third is the lack of scanning the road and the surroundings in general. 

    3. 1 in 5 teen drivers has an accident within the first year of driving.

    (Do Something, Southern States Insurance)

    Based on a survey among 16-year olds, teenage driving accident statistics show that teens are most likely to have a crash during the first year of driving. Besides that, teen drivers are ten times more likely to have a vehicle crash in the first year of driving than other age groups, proving that experience on the road truly matters. 

    4. In 2019, 31% of male drivers between the ages of 15 and 20 who were victims of fatal crashes were speeding.

    (CDC)

    According to the stats on teenage driving, 17% of females in the same age group involved in fatal crashes were speeding that year. Generally speaking, teenagers are more prone to speeding and allowing shorter headways. 

    5. Only 44% of teenagers would speak up if someone’s manner of driving scared them.

    (Do Something)

    Teens not feeling confident to talk when they feel endangered by the driver is a serious problem. Add the fact that crash risk increases proportionally when a teenage driver is impaired with another adolescent passenger. Thus, parents should insist on talking to their children and providing full support about speaking out loud when they feel at risk in traffic. Don’t avoid or neglect this kind of conversation—it may save lives. 

    Teen Texting and Driving Statistics

    Texting while driving, and using gadgets in general, can be more dangerous than we think, especially for teenagers, when combined with their lack of experience. 

    6. Every day, 11 teenagers get killed due to texting and driving.

    (Victoria Advocate, edgarsnyder.com)

    This means that texting and driving take around 4000 teenage lives each year. To illustrate the unawareness of the possible dangers, 32.8% of high school students admit texting or emailing while driving.

    7. Texting while driving is directly connected to other types of risky behaviors. 

    (NHTSA)

    Young driver statistics revealed that teenagers who text while driving are more likely to engage in other risky behaviors. For example, they are known to drive under the influence of alcohol and drugs, not wear a seatbelt, drive at nighttime, etc.

    8. 56% of teenagers admit to talking on the phone while driving. 

    (edgarsnyder.com, iii.org)

    Furthermore, 71% of high school seniors use their phones while driving. Besides that, 40% of seniors admit changing music, using their phone (or another device), and driving simultaneously. This is one of the most disturbing teen driver facts, especially if we know that talking while driving lowers the young driver’s reaction as if they were 70 years old. 

    9. Texting and driving are most common among senior white students.

    (CDC)

    Not only is it more common among senior students, but it is also more ordinary among white students who drive—44% of them. Opposite to that, only 30% of Afro-American and 35% of Hispanic students tend to text and drive. 

    Teenagers Drinking and Driving Statistics

    10. On average, eight teenagers lose their lives every day due to drinking and driving. 

    (Gaytravel, edgarsnyder.com)

    This means that annually, around 3,000 US teenagers die in crashes that involve drinking and driving. Additionally, around ¼ of fatalities include a drunk teenage driver. 

    11. 8,2% of high school students admit they were drinking and driving at least once.

    (edgarsnyder.com)

    Up to 8,2% of high school students drove under the influence of alcohol at least once in their lifetime, as teen drunk driving stats reveal. To make it worse, 15.1% of young drivers aged 18 to 20 admit drinking and driving in the past year. 

    12. Almost 60% of drunk teenage drivers involved in fatalities weren’t using a seatbelt.

    (edgarsnyder.com)

    To add to that, 70% of teenagers who lost their lives in accidents that include drinking and driving weren’t using a seatbelt. 

    13. Boys are more likely to drink and drive than girls. 

    (edgarsnyder.com)

    Teenage crash rates point out that 27% of male teen drivers have been a part of a fatal crash involving drinking and driving, compared to 15% female drivers. 

    14. Almost 17% of high school students rode with a drunk driver in the last month.

    (Tracking System Direct)

    Almost 17% of US high school students stated they had been driven at least once in the previous 30 days by a person drinking before operating a vehicle.

    Teen Driving Death Stats

    Even though the US Government and the states individually have introduced a list of laws to lower the number of teen deaths in traffic, unfortunately, they still occur. 

    15. The fatal crash rate is almost three times higher among teenagers.

    (iihs.org) 

    Compared to people aged 20 and over, teenagers are three times more likely to be involved in fatal car crashes. The most endangered age group is from 16 to 17. 

    16. In 2019, 2,375 teenagers lost their lives in motor vehicle crashes. 

    (iihs.org)

    Since this research investigated all motor vehicle crashes combined (not just car crashes), teenagers aged 13 to 19 were a part of the study. Still, these teen driving stats are somewhat bright if we know that the numbers have dropped by 5% compared to the year before. 

    17. 13% of passenger deaths occurred while a teen was driving. 

    (iihs.org)

    Research showed that in 2019, 13% of passenger deaths occurred when the driver was a teenager. The same year, two out of three teens who lost their lives in crashes were male. 

    18. Nighttime and weekend driving are one of the leading causes of teenage fatalities. 

    (DDLawtampa)

    Teen drivers’ statistics expose that more than a half (52% to be precise) of crash deaths involving teenagers happen on Friday and during the weekend. Additionally, 37% of these fatalities occur between 9 pm and 6 am. 

    19. 55% of teens who lost their lives in crashes weren’t using seat belts. 

    (Southern States Insurance)

    More than half of teens who died due to car crashes weren’t using a seatbelt. Different studies have shown that one of the most critical factors of this issue is communication with parents.

    Teenage Road Rage Statistics

    Anyone who ever got a glimpse at child psychology and psychology in general, knows that teenagers express rage more often than the other age groups. Hence, the fact that road rage occurs among teens usually doesn’t come off as a surprise. 

    20. Teenagers are more likely to express dangerous behaviors in traffic.

    (JSF)

    For instance, in 2019, almost 50% of teens in fatal crashes were unbelted in North Carolina, as statistics on teenage driving uncovered. One of the reasons behind these dangerous behaviors might be that teens don’t get good example behavior from their parents. 

    21. Almost 50% of teenage drivers admit to driving under the influence of marijuana.

    (iii.org)

    To be precise, 48,8% percent of them admit to having used marijuana and drove after it, judging by the 2020 study. Nonetheless, this type of behavior is on the rise. For example, the number of teens driving while being high on marijuana is 17% higher than in 2014. To add to that, statistics on teenage drivers show that most of them believe that driving under the influence of marijuana is less dangerous than ingesting alcohol and driving.

    22. 75% of serious teen crashes are due to critical errors. 

    (Safe Ride 4 Kids)

    These errors include lack of scanning to detect and react to dangerous situations, being distracted, and speeding. In fact, over a third of fatal teen crashes involve speeding. 

    Teens are more likely to speed than adults, and they don’t leave a proper amount of distance between them and the vehicle in front.

    23. Teens are 2.5 times more likely to show risky behavior in traffic if accompanied. 

    (NHTSA, edgarsnyder.com)

    Statistics on teenage drivers report that the risk of crashing gets higher if the passenger is close to their age. Namely, teens get easily distracted by their surroundings and are more likely to cause a crash. Moreover, 12% of all fatal car accidents involve a distracted teenage driver. Because of this, most US states have banned adolescent passengers in the vehicle if the driver is a teenager themself. 

    24. 40% of teens say they feel anger. 

    (Moto Safety)

    Since it is hard for teenagers to control their feelings in general, they can just as easily get overwhelmed with emotions while driving. Besides that, ingesting alcohol can easily enlarge emotions. So, keep in mind—it is of critical importance that teens do not drink and drive. 

    Positive Facts about Teenage Driving

    Even though the statistics sometimes don’t seem too bright, there are some positive facts regarding teen driving. It is essential to notice that parents’ involvement and persistence in educating their teenagers on the dangers on the road is the first step towards improving adolescent driving stats. 

    25. Teen drivers with involved parents tend to wear seatbelts twice as much.

    (Do Something)

    To add to that, statistics on teen drivers affirm that 56% of teenage drivers rely on their parents to teach them how to drive. This is an encouraging fact. Parents should educate and support their kids in becoming young drivers. 

    26. 66% of teen drivers say they care about their parent’s opinion on driving and using a phone.

    (Southern States Insurance)

    Thus, as a parent, you should talk to your teenage drivers and educate them on the issue. Undoubtedly, provide them with a phone holder. This way, you will lower your teen’s chances of using a phone for GPS purposes while driving.

    27. Drunk driving fatalities among teens have decreased by 81% since 1982.

    (Responsibility)

    Teen drinking and driving statistics reveal the falling number of teen drunk driving fatalities. According to the National Traffic Safety Administration or NHTSA, among people younger than 21, there were 5,215 recorded cases in 1982. That was also the first year for this organization to monitor the number of teen deaths in traffic. 

    28. The number of teens who drink and drive has decreased by 54% since 1991.

    (Talk it Out)

    The last two teenage drunk driving facts are very optimistic. Still, teenage underage drinking and driving is an existing problem to this day. In addition, some studies show that most teens usually have a taste of alcohol at the age of only 14. 

    Conclusion

    Even though teen drivers are the most endangered age group on the road, it is wrong to distract them or ban them from driving. Instead, support your teenagers and educate them on the matter of safety on the road. This way, you will give your part to lower the number of teen car crashes. 

    People Also Ask

    What Is the Youngest Driving Age?

    The youngest driving age in the US depends on the specific country. Still, the usual lower limit is 16 years old. In some states like Arkansas, Connecticut, Columbia, Florida, Georgia, Indiana, Maryland, Nevada, New Jersey, Ohio, Illinois, Texas, Virginia, and others, you must be 18 to get a full license. On the other hand, in states like Alaska, Arkansas, Iowa, Kansas, North and South Dakota, 14-year olds can obtain a learner’s permit. Also, in North and South Dakota and Idaho, Montana, South Carolina, you can get a full license if you are 16 years old.

    What Percentage of 16 Year Olds Have Cars?

    Even though a large majority of US adults have a driver’s license (84.1% to be precise), the number significantly drops as the age drops. For example, only 34.8% of teenage drivers aged 16 to 19 own a driver’s license. On the other hand, the age group with the most drivers is from 50 to 68 years old – 93.5%, as a survey from 2020 shows.

    What Percentage of Car Accidents Are Caused by Teenage Drivers?

    Teen drivers are ten times more likely to cause a vehicle crash in the first year of driving. Accordingly, one in every five teen drivers has a crash within the first year of getting a license. For example, 7% of motor vehicle crash fatalities were caused by teenagers in 2019.

    How Many Accidents Are Caused by Teenage Drunk Drivers?

    As the NHTSA statistics show, around 2,000 fatal crashes happen each year because of drunk teenage drivers. In 2019, almost a quarter of drivers between the ages of 15 and 20 who lost their lives in fatal motor vehicle crashes had been consuming alcohol.
    As per a survey, older high school students, male, Hispanic, and those with lower grades, were more likely to drive after drinking.

    How Many Teens Die from Driving Each Year?

    Each year, around 3,000 teenagers lose their lives on the road while driving. For example, in 2019, 2,375 teens died as a result of a motor vehicle crash. To add to the notorious statistics, around ¼ of all fatalities include a drunk teenage driver. On the bright side, the number of teen crashes has been reduced since restrictions on night-time driving for teens and other limits (such as forbidding driving with another teenager and raising the licensing age).

    What Is the Number One Killer of Teenage Drivers?

    The main cause of teen deaths and disabilities is motor vehicle crashes. All crashes are listed as ‘accidents – unwanted injuries.’ There are other less common causes of teen deaths, such as homicide, suicide, cancer, etc. The main reasons for teenage car crashes are distracted driving, speeding (or driving too fast for the particular road conditions), and lack of scanning the surroundings, as teen driving statistics imply.

  • Mobile Banking Security

    Mobile Banking Security

    Mobile banking security has always been a hot topic because of the number of apps on the market and their widespread use. These types of banking services allow consumers to access their financial accounts from almost anywhere, at any time of the day or night.

    Mobile banking includes many different services, such as receiving account balance information, transferring funds between accounts, making payments on bills, paying for purchases using the phone’s near-field communication (NFC) capability or QR codes, and even using the device as an ATM card replacement.

    Customers simply need to know their user ID, password/PIN, and banking credentials to get started.

    Let’s take a look at the evolution of this vital asset in today’s modern world before continuing to talk more about mobile banking security.

    The Evolution of Online Banking

    When it comes to online banking, the internet has made things easy in more ways than one. The convenience of being able to transfer money to anyone in the world without having to be there in person is so much simpler.

    Not only that, but you can also have your bank statement sent directly to your email. However, with the internet being so beneficial to society, there are also some downfalls.

    Mobile Banking App Security

    Online banking has become increasingly popular over the last few years. People have come to realize the importance of managing their money online and saving time traveling to a bank.

    People are also becoming more interested in online shopping, which involves transferring money from their savings accounts into their current accounts for purchases.

    However, security is a growing concern as we transfer more and more of our personal information online, and criminals gain the ability to hack into huge databases and steal this information. Some people even suggest that banks don’t have strong enough mobile banking security to stop hackers.

    The good news is that online banking has become more secure over the last decade. Banks have learned their lesson and know that they need to keep customers’ information safe to survive.

    This means keeping up with new security standards like Chip/Pin authentication, two-factor authentication, data encryption, and the use of strong passwords.

    Banks also understand that all online banking is done through computers or mobiles, so these devices can monitor activity and report any suspicious behavior such as login attempts from different locations.

    If they see multiple logins coming from different locations, this could indicate that a hacker or piece of malware is trying to access your account.

    Financial Cyberthreats—Is Mobile Banking Secure?

    The security methods of mobile banking are the same security methods used for other online services. Mobile devices can be protected with passwords, screen locks, encryption, and biometric scanners, but that is not enough to ensure your money stays safe.

    Financial cyberthreats are constantly evolving. These days, scammers don’t just want your credit card number, they want your credit card number and identity.

    You may even ask yourself the question, how can I protect my mobile banking? Well, mobile banking is expensive, and you don’t want to trust your hard-earned money with a company that doesn’t have your best interest in mind.

    Therefore, keep reading to find out which steps you can take to make your daily mobile transactions secure.

    Ways to Keep Your Data More Secure?

    Before doing anything that requires you to share your financial information, it’s important to know what kind of security measures are in place. Mobile banking is relatively safe, but there are several things you can do to keep yourself protected while managing your money on the go.

    Mobile Banking Security Tips

    1. Verify Your Financial Institution’s Security Measures

    Before using mobile banking, it’s good to know whether or not the financial institution you are working with has been implementing security measures.

    For example, in order to help safeguard your account information from potential cyberattacks and identity theft, some financial institutions keep data on servers that aren’t connected to the internet. Some banks also offer their customers a free passcode to help prevent any unauthorized access.

    Finally, you need to verify that the financial institution is FDIC insured. This means that if something were to happen to the bank, your money would be safe up to $250,000.

    2) Help Protect Yourself Online by Avoiding Phishing Scams

    Phishing scams can pose a serious threat to your financial information. Phishing occurs when someone pretends to be a reputable company in order to get you to share your personal data, such as login credentials and Social Security number.

    How can you protect yourself? One way is to learn how phishers work so that you can spot their attempts before they trick you. The next thing you should do is enable two-factor authentication on your mobile app.

    Two-factor authentication adds another layer of security by requiring your phone number as well as a passcode in order to log in, fixing any mobile banking app security issues that may occur.

    3) Back Up Your Data from Time to Time

    Having a record of all your transactions, investments and bank balances can be extremely helpful if there is a problem with your mobile device.

    For example, you can use online banking to back up the data on your mobile device by exporting it as a PDF or CSV file. This way, if something happens to your phone, you still have access to all of the information that matters most to you.

    4) Pay Attention to Apps You Receive from Your Financial Institution

    Many people ask the question—can mobile banking be hacked? The short answer is yes and no.

    If you only download apps that come directly from your bank, you’ll have no way to expose your phone to hacks. However, the opposite is true if you install unauthorized apps with no official background.

    The official app will be an exact duplicate of the website, so if you get a suspicious-looking app, it may not work properly.

    5) Check for Suspicious Activity by Implementing Two-Factor Authentication

    Two-factor authentication is designed to help protect your accounts from being hacked. With this system, even if someone manages to get your login credentials, they won’t have access to your account because a second passcode will be required.

    If you’ve forgotten your two-factor authentication method and need help retrieving it, contact the financial institution that manages your account.

    Mobile Banking Security—What the Future Holds?

    The future of mobile banking looks promising, but only if the security gets better. We’ve come a long way from having no encryption or advanced authentication, but we won’t be satisfied until our money is safe in our pockets, not just in our hands.

    Keeping data safe is a tough task in this day and age, where cyber threats are getting more sophisticated every day. In order to keep your data safe, you need two things—awareness and common sense.

    These two are the best mobile banking security best practices anyone can employ at no additional cost.

    Awareness means knowing the cyber security threats people face every day, knowing how to spot a phishing email or a fake website, and being aware of how to use mobile devices securely.

    Common sense is not clicking on strange links or downloading random attachments. You have to know what you are doing and when to do it.

    Summary

    Mobile banking offers many benefits, but it’s also important to know how to protect your financial information. If you follow these tips, you can use mobile banking with confidence and get the most out of your money management.

    Just like anything else, mobile banking security is something no living soul should take for granted, especially those who carry out daily transactions.

  • 20 Food Stamp Fraud Statistics To Know in 2024

    20 Food Stamp Fraud Statistics To Know in 2024

    Hunger is a global issue, and the situation in the US makes no exception. As part of a prevention strategy, the government has established the Supplemental Nutrition Assistance Program or SNAP.

    The program distributes benefits to everyone in need, known as food stamps. The process happens through a digital system — the Electronic Benefits Transfer (EBT). Food stamps have become the country’s safety net against hunger and food insecurity, especially during the pandemic. 

    However, not everyone has the same positive intentions when utilizing these benefits. The latest food stamp fraud statistics reveal a significant increase in malpractice when it comes to distribution. 

    To find out more about this topic, here is a complete list of facts about the current predicament of food stamps abuse in the US.

    Stats and Facts About Food Stamp Abuse (Editor’s Choice)

    • The cost of trafficked food stamps is between 1 and $4.7 billion annually 
    • One in ten retailers is exploiting food stamp benefits
    • 90% of small retail shops are targets for retailer trafficking
    • New York and California have the most food stamp investigations
    • Food stamp investigations have increased by 30%
    • Taxpayers in Florida have lost $12 million due to food stamp exploitation

    Frequency of Welfare Fraud Statistics

    Benefit programs such as SNAP contribute to the general welfare of the country. Unfortunately, some people unrightfully take advantage of the initiative. 

    Here are some facts about the frequency of fraud cases in the US food stamp program and the costs of preventing such actions.

    1. USDA spends around $5 million every year to fight food stamp scams.

    (FSN)

    Cases of individuals extorting food stamp benefits have become so common, the authorities have taken various steps to prevent them. 

    A recent news report reveals the US Department of Agriculture invests nearly $5 million from federal taxpayers’ money every year to investigate food stamp fraud cases.

    2. According to a food stamp fraud report, the cost of trafficked benefits is between $1 and $4.7 billion every year.

    (FGA)

    Billions of dollars are dedicated to satisfying the massive demand for food stamps annually. Unfortunately, a significant percentage does not go to the determined recipients of SNAP. 

    The Food and Nutrition Service estimates that up to $4.7 billion are stolen from the program every year.

    3. Food stamp abuse facts reveal that over one in ten retailers are likely committing fraud.

    (FSN)

    Fraud cases are not just an individual effort. Some retail stores registered in SNAP find loopholes to exploit, despite the program’s prevention protocols. Retailers might sell ineligible items and misrepresent information to gain benefits for themselves. 

    4. 90% of small business stores are targets for retailer trafficking.

    (FSN)

    Authorities often look at the most likely targets to determine how to prevent fraud cases from increasing. Research shows that the welfare fraud percentage in small retail businesses is very high. Since small business owners have an average income of about $71,000, fraud significantly impacts them.

    5. 40% of large stores are among the main retailer trafficking targets.

    (FSN)

    Food stamp fraud statistics reveal that primary retail stores and supermarkets are also part of the scheme. Even restaurants in some states that provide hot meals for food stamp recipients are investigated for malpractice.

    6. Investigations of food stamp fraud cases have increased by over 30% in the last few years.

    (Forbes)

    The depth of this issue has led to a surge of inspections focused on food stamps abuse. According to most recent statistics, investigations have risen by more than a third, compared to 2012, and are likely to increase even more.

    7. Over one in five US households experience food insecurity.

    (Poynter)

    Regardless of the food stamp abuse statistics, there is an actual need for the program. Food stamp distribution is one of the primary US solutions to national hunger.

    Food Stamp Abuse Statistics by State

    The cost and impact of deception in the food stamp program vary in every state. Let’s take a look into more detailed facts about the demand and irregularities in the distribution of food stamps across the US.

    8. New York and California are the US states with the highest percentage of welfare fraud investigations.

    (FNS)

    New York and California are the two states with the highest percentage of food stamp investigations. Almost half of the country’s cases are from New York.

    9. Taxpayers in Florida lost over $12 million due to food stamp abuse in 2018.

    (Florida Daily)

    Maintaining benefits programs like SNAP requires tax money. Around 6% of your tax goes to food stamps, energy assistance, and other income security programs.

    Misusing funds can have a significantly negative effect on the whole state. An example is Florida, where taxpayers lost over $12 million in a year due to food stamp fraud.

    10. Illinois has canceled benefits for over 150,000 SNAP participants due to ineligibility, according to EBT fraud statistics.

    (PEW)

    Not everyone can be eligible for the food stamp program, however, social workers lack the time and resources to check every application adequately. 

    An example of such irregularities is Illinois. SNAP canceled food stamp benefits for over 150,000 people in a year after an additional investigation deemed them ineligible. This action saved up to $70 million. 

    11. SNAP fraud statistics show that around 20% of those who were denied benefits in Illinois re-applied.

    (PEW)

    Because of multiple changes in the system, SNAP applicants had a short period to provide the necessary information for their eligibility checks. That led to a failure in response and consequential benefit cancellations. Fortunately, 20% of them were able to re-apply for the benefits program.

    12. SNAP has investigated only five out of nearly 51,000 reported cases in Missouri.

    (AP News)

    Due to underdeveloped investigation processes, only five of 51,000 reported cases were opened for further action. The reason is the lack of enough information to continue the research on the alerts.

    SNAP Fraud Rate and Expenses

    SNAP aims to help people in need, however, the success of its mission and the social perception of its work might be two very different things. The following stats will show you some interesting information on the fraud rates and the initiative’s costs.

    13. Less than half of the US adults consider SNAP as a trustworthy benefit program.

    (YouGov)

    The SNAP fraud stats have become a public concern. With millions of people depending on this nationwide project, only 47% of them actually believe in the way SNAP operates. 

    For comparison, 57% consider Medicare trustworthy. To put things in perspective – 18.1% of people in the US have Medicare.

    14. SNAP’s expenses have increased by $2 billion per month to cover the effect of the pandemic.

    (FSN)

    The pandemic caused the hunger and food insecurity rates to go higher than ever. In response, SNAP has increased its expenses by $2 billion monthly to ensure fair distribution and decrease the food stamp fraud rate.

    15. Congress should increase SNAP benefits by 15% in response to the general rate of food insecurity and food stamp fraud.

    (Poynter)

    Despite the additional effort, authorities have concluded that it might not be enough. As more households become financially unstable due to the pandemic, putting food on the table is becoming an even more significant issue. 

    According to a statistical study, the US Congress should increase the nationwide food stamp benefits by at least 15% to cover every family’s needs.

    16. 14 out of 10,000 households involved in SNAP are guilty of food stamp abuse.

    (YouGov)

    These numbers show that intentional fraud regarding the food stamp benefit is rarely happening. The detailed application process is ensuring fair distribution based on elaborate background checks.

    17. Welfare fraud statistics show that 59% of US adults believe that misrepresenting information in SNAP applications is a common occurrence.

    (YouGov)

    As a consequence of the growing rate of welfare fraudulent cases, the general public’s opinion of the benefit programs is unfavorable — over half of the US adults think that fraud is common in SNAP applications. 

    18. The food stamp error rate for SNAP is estimated to be 3.7%.

    (PEW)

    The high demand for the benefit means various administrative processes are delayed, and errors are becoming more prevalent. Food stamp fraud stats estimate the error rate in SNAP to be nearly 4%.

    19. EBT fraud statistics reveal that over 320,000 retailers participate in SNAP and are often a subject of inspection.

    (FSN, USDA)

    Aside from households, retailers often make up a significant part of the SNAP participants’ list. All of these participants are analyzed routinely by FNS to detect and penalize fraudulent retailers.

    20. The highest ever payment accuracy rate of SNAP was 96.58% in 2012.

    (USDA)

    Due to the risk of abuse of food stamps, the authorities have cooperated to improve the level of integrity of SNAP’s processes. One of those collaborative efforts is known as the SNAP Stewardship Solutions Project. 

    The ongoing strategy aims to ensure the correct administration of food stamp benefits. Fortunately, SNAP’s payment accuracy rate peaked at over 96% since the project began, marking it as the highest ever achieved.

    Conclusion

    The issue of hunger and food insecurity has become non-dismissible in the US, leading to the SNAP establishment. A significant number of households and retailers, however, take unrightful advantage of the program. They either sell ineligible items, misrepresent data, or lie in the application process.

    Current food stamp fraud statistics have revealed that not only abuse cases are on the rise, but the percentage of families reliant on the program. SNAP supports approximately 38 million residents in the US, and the number is expected to increase as an aftermath of the pandemic. 

    In response to this nationwide demand, authorities have delivered multiple plans to ensure quality and fair service for every household in need. Examples are the increasing funds for fraud investigations, mobile food access, and further checks on SNAP applicants.

    People Also Ask

    Can you go to jail for food stamp fraud?

    As with every illegal act, a conviction for food stamp abuse can have severe repercussions. Depending on the circumstance, those found guilty are suspended from the SNAP and could even go to jail.
    The punishment for food stamp fraud cases depends on the extent of the committed act. In many cases, convicted individuals are financially penalized, plus an incarceration period. Having a criminal record can have long-term consequences, such as unemployment.

    What percentage of welfare recipients are frauds?

    The authorities have addressed the illegal use of benefits systems as a serious issue. Fraud cases account for between 3 to 5% of welfare recipients.
    USDA reportedly spends $5 million to fight welfare fraud annually.

    What state uses the most food stamps?

    A state’s demand for food stamps is determined by its population size and the economy’s condition. According to statistics on food stamp abuse and usage, 10% of California’s population are registered participants in SNAP and is the state with the most fraud cases.

    What is the welfare fraud rate for SNAP?

    Thanks to strategies, such as the use of ETB cards, the number of fraud cases in SNAP can be limited. In a published study about food stamp fraud statistics, SNAP’s average fraud rate currently amounts to at least 0.9%.
    While it is a seemingly small percentage, SNAP’s total costs can total up to billions. One fraud case can lead to a massive loss for the organization and the taxpayers.