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Ashlee Valentine

Staff Editor

About

Ashlee is an insurance editor, journalist and business professional with an MBA and more than 17 years of hands-on experience in both business and personal finance. She is passionate about empowering others to protect life's most important assets. When Ashlee isn't spreading insurance knowledge or solving television murder mysteries, she enjoys spending time with her family (including the furry and feathery ones) on their farm in Kentucky.

Ashlee is an insurance editor, journalist and business professional. She earned an MBA in 2014 with a concentration in finance and has more than 17 years of hands-on experience in the finance industry. In addition to leading finance teams and teaching college students about personal finance topics like insurance, budgeting and credit cards, she began writing professionally about personal finance in 2018. Since then, Ashlee’s clients have published more than 400 of her articles.

Ashlee is a self-proclaimed social distancing expert and a bonafide INTJ. She is incredibly passionate about reaching those who need it most by using a direct and logical but relatable and trustworthy approach to tackling complex topics, like insurance.

Fun facts:

  • Ashlee is an expert (former Certified Professional in Supply Management (CPSM) and Accounts Payable Manager (APM)) in supply chain management and procurement and now writes eBooks and blogs for former technology suppliers.
  • Ashlee spent a decade volunteering for the Alzheimer’s Association as a congressional ambassador and now writes content for senior-living resource communities.
  • Ashlee has a secret arsenal of self-written poetry spanning over three decades. But don’t tell anyone!

Expertise

  • Life insurance
  • Home insurance
  • Car insurance
  • Personal finance
  • Supply chain
  • Technology
  • SaaS

Achievements

  • Over 17 years of experience in finance
  • Earned an MBA in 2014
  • Former personal finance adjunct instructor
  • Over six years writing about insurance and other personal finance topics

Education

MBA – Murray State University (completed in 2014)

  • Employer’s Liability Insurance: What It Covers & What It Costs

    As a business owner, you know that employee accidents can still happen, no matter how many safety protocols you have in place. And if they do, your business stands to face an expensive lawsuit. Around one in five small businesses...
    Employer’s Liability Insurance: What It Covers & What It Costs
  • Universal Life Insurance: What It Is & How It Works

    Universal life insurance is a permanent life insurance with cash value, flexible premiums and a flexible death benefit.  Traditional universal, guaranteed universal, indexed universal and variable universal are all types of universal life insurance. Before you buy a policy, consider...
    Universal Life Insurance: What It Is & How It Works
  • Indexed Universal Life Insurance Explained 

    Indexed universal life (IUL) insurance ties cash value growth to market indexes, offering potential for higher returns than fixed-rate policies. Caps and participation rates limit gains, but floors protect against market downturns. IULs are complex and fees can significantly impact...
    Indexed Universal Life Insurance Explained 
  • Guaranteed Issue Life Insurance: Pros and Cons

    Older people and those with severe health issues often have difficulty finding life insurance. Guaranteed life insurance is one possible avenue to get coverage. These policies allow you to buy life insurance, but guaranteed policies typically have high costs, low...
    Guaranteed Issue Life Insurance: Pros and Cons
  • Life Insurance Outlook 2025: Personalized Life Insurance

    The current digital transformation in the life insurance industry will combine with better humanization in 2025, which means the future of life insurance is both digital and personal. Consumers will seek convenient life insurance policies, including living benefits that offer...
    Life Insurance Outlook 2025: Personalized Life Insurance
  • 8 Best Life Insurance Companies Of 2025

    Pacific Life and Protective are the best life insurance companies, earning five stars in our analysis of term life and cash value policies from 15 companies. We used a database of more than 9,900 policies and scored key metrics important...
    8 Best Life Insurance Companies Of 2025
  • Adventure Seekers Need A Travel Insurance Safety Net

    Editor’s Note: In The Insurance Sleuth, Jason Metz tracks down answers to your questions about enigmatic insurance topics. Have a question? Send him a message and be sure to choose a fun pseudonym in case we use your question. We...
    Adventure Seekers Need A Travel Insurance Safety Net
  • Legal & General America Life/Banner Life Insurance Review 2025

    Legal & General America/Banner Life Insurance Co. is one of our top picks because it offers longer level term lengths (up to 40 years) than most competitors and coverage amounts up to $65 million.
    Legal & General America Life/Banner Life Insurance Review 2025
  • Painters Insurance: Coverage & Costs

    Painting transforms spaces and inspires imagination. But without proper insurance, the unpredictability of the painting business can quickly turn a dream project into a financial nightmare. For example, while working on a client's home, you might accidentally spill paint on...
    Painters Insurance: Coverage & Costs
  • Retail Insurance: Coverage & Costs

    Running a retail store can be fulfilling, but it's not always a stroll through the mall. To keep your shop open and thriving, it's important to have the right insurance to cover your investment from the unexpected. For example, you...
    Retail Insurance: Coverage & Costs
  • Best Life Insurance Companies In New York Of 2025

    Life insurance is an important component of a well-rounded financial plan. Whether you’re reevaluating your needs or buying for the first time, it’s a great time to consider your life insurance options. We evaluated key metrics for different types of...
    Best Life Insurance Companies In New York Of 2025
  • Does Health Insurance Cover Dental Care?

    Health insurance doesn’t generally cover dental care, but there are exceptions when a health plan may pay for dental work. You usually need to buy a separate dental insurance plan to get covered for routine dental work like crowns, tooth...
    Does Health Insurance Cover Dental Care?
  • 4 Best Instant Life Insurance Companies Of 2025

    Our analysis has found that Symetra is the best instant life insurance company. Our other top picks are Ladder, Wysh and Fabric. The best instant life insurance companies provide the convenience of a quick application approval and no medical exam....
    4 Best Instant Life Insurance Companies Of 2025
  • Best Term Life Insurance Companies: Expert-Rated Of 2025

    Pacific Life and Symetra are the best term life insurance companies, based on our evaluation of 20 large term life insurance companies. We analyzed over 1600 rates and over 500 policy features, including term life conversion and guaranteed renewability, because...
    Best Term Life Insurance Companies: Expert-Rated Of 2025
  • Best Car Insurance For Drivers With Bad Credit Of 2025

    Nationwide, Travelers and USAA are the best car insurance companies for drivers with bad credit, according to our analysis. Auto insurance costs can be incredibly expensive for drivers with low credit scores, making our research critical to helping you find...
    Best Car Insurance For Drivers With Bad Credit Of 2025
  • Best Life Insurance Companies In Georgia Of 2025

    Whether you’re reevaluating your needs or buying life insurance for the first time, it is always a good time to add life insurance to your financial plan. Georgia residents have no shortage of options for life insurance. We evaluated key...
    Best Life Insurance Companies In Georgia Of 2025
  • Best Life Insurance Companies in Texas Of 2025

    Life insurance is a must-have in any healthy financial plan, and there is no shortage of life insurance options for Texans. Whether you’re reevaluating your needs or buying for the first time, it is always a good time to get...
    Best Life Insurance Companies in Texas Of 2025
  • Compare Pet Insurance Quotes

    If you’re a pet owner looking for coverage for vet bills like cancer treatment, allergies or torn ligaments, you’ll want to make sure you look at pet insurance quotes among several different companies. It’s the best way to find a...
    Compare Pet Insurance Quotes
  • Best Pet Insurance Companies Of 2025

    A pet medical emergency, such as getting hit by a car, swallowing a foreign object or cancer treatment, can cost thousands of dollars in vet bills. Pet insurance can be a good way to offset those costs. To help you...
    Best Pet Insurance Companies Of 2025
  • Best Emergency Pet Insurance Of 2025

    The Pets Best Essential plan is the best emergency pet insurance in our evaluation of 12 plans. We analyzed 34 key coverage categories (such as waiting periods and the availability of a 24/7 vet telehealth line), crunched more than 900,200...
    Best Emergency Pet Insurance Of 2025
  • Best Small Business Insurance Of 2025

    Small business insurance will cover your company for a wide range of problems like lawsuits, workplace injuries, stolen business property and damage from severe weather and fire. To help you find the best small business insurance, we evaluated 24 of...
    Best Small Business Insurance Of 2025
  • How To Find Unclaimed Life Insurance Policies

    You may not know if a loved one who passed away had a life insurance policy or not. Or, you may know one exists but are uncertain of its whereabouts or what steps to take once you find it. We’ll...
    How To Find Unclaimed Life Insurance Policies
  • Whole Life Insurance Cash Value Chart

    If you’re considering a whole life insurance policy, understanding its costs, benefits and potential for long-term growth is paramount for your financial planning. Knowing how much life insurance cash value you may be able to tap into is important for...
    Whole Life Insurance Cash Value Chart
  • Dog Breeds With The Highest Chances Of Health Problems

    Many dog owners choose a dog breed based on characteristics that fit their homes and lifestyles. An urban apartment dweller might prefer a mellow companion who doesn’t require a lot of space and exercise, such as a French bulldog. Someone...
    Dog Breeds With The Highest Chances Of Health Problems
  • How To Reinstate A Life Insurance Policy

    A job loss or unexpected expenses might nudge life insurance payments out of your financial priorities. If you stop paying the required life insurance premiums, your policy will lapse. Once it lapses, your coverage will end. If your life insurance...
    How To Reinstate A Life Insurance Policy
  • Small Business Insurance Statistics 2025

    The Small Business Administration generally defines a small business as an independent business with fewer than 500 employees.[1] Most businesses in America are small businesses, accounting for around 99.9% of all American businesses and making them a vital part of...
    Small Business Insurance Statistics 2025
  • Best Universal Life Insurance Companies Of 2025

    Some things in life warrant flexibility, and depending on your situation, life insurance may be one of those things. If the usual rigidity of life insurance has you reconsidering buying a policy, consider universal life insurance. It offers flexible coverage,...
    Best Universal Life Insurance Companies Of 2025
  • Dog Breed Quiz: What Dog Should I Get?

    It’s not often in life that you get to carefully choose a best friend based on handpicked traits that match your wish list. But our dog breed quiz can help you find the best pooch for you. Our dog breed...
    Dog Breed Quiz: What Dog Should I Get?
  • General Liability Vs. Professional Liability Insurance

    No matter how successful your small business is and how careful you are, the reality is that there are always potential legal woes lurking. Accidental injuries, property damage, slander, negligence and even professional errors can quickly become expensive legal matters....
    General Liability Vs. Professional Liability Insurance
  • Workers’ Compensation Insurance: What Is It And How Does It Work?

    Workers' compensation insurance pays vital benefits to employees when they are injured or sick because of their job. These benefits include medical treatment and ongoing care, payments to cover lost wages and even death benefits. In most states, businesses are...
    Workers’ Compensation Insurance: What Is It And How Does It Work?

About

Ashlee is an insurance editor, journalist and business professional with an MBA and more than 17 years of hands-on experience in both business and personal finance. She is passionate about empowering others to protect life's most important assets. When Ashlee isn't spreading insurance knowledge or solving television murder mysteries, she enjoys spending time with her family (including the furry and feathery ones) on their farm in Kentucky.