The cost of long-term care and general healthcare costs are higher than they have ever been, and the increase doesn’t appear to be slowing anytime soon. Medicare covers only a portion of healthcare costs in retirement, leaving you on the hook for what will likely be a significant chunk. See How Much Your Policy May Read more >>
Staying ahead of the most relevant and timely guidance for your clients is an ongoing challenge. At times, you are stuck between learning about new innovations or making sure you get in front of the right clients at the right time with the right information. To add more value to your relationship with your client, Read more >>
In this era of Uber, crowdsourcing and customized television streaming, many seniors are also opting to eliminate the middleman for certain big financial decisions. A relationship with a trusted advisor can be incredibly valuable, but consumers who are considering a life settlement might save money and time by arranging the sale of their insurance policy Read more >>
Life insurance forms the backbone of most middle-class financial plans. Because without this form of protection, the financial futures of many families would lie in ruins if something were to happen to the breadwinner. What is life insurance? Life insurance is one of the oldest forms of insurance protection in the world. In a nutshell, Read more >>
If you live in the United States today, odds are you will need long term care at some point. The cost of total long term care is rising each year. Long term care insurance (LTCI) is a type of insurance designed to help you pay for long term care needs. Nursing homes, living facility, medical Read more >>
If your bills are piling up on you and you need to get your hands on some cash immediately, then cashing in your life insurance policy may be an option. This would generally only work with some form of cash value policy, such as a whole life or universal life policy or even a variable Read more >>
While many consumers consider life insurance to be one of the staples of their personal finances, many of them tend to overlook the risk of becoming unable to work for an extended period of time. This is unfortunate, because statistics show that it is several times more likely that someone will become disabled for a Read more >>
Saving for retirement is a necessity. but beyond the idea of “putting money away for later,” or just creating a budget worksheet, how much do we really know about the actual costs incurred by American seniors? It’s a misconception that spending decreases after retirement; in fact, a study by the Employee Benefit Research Institute shows Read more >>
The cost of retirement is higher than ever, creating a pressing need for Americans to find ways to prepare financially for retirement as wisely as possible and use their retirement funds well after they stop working. Everyone knows they should prepare for their retirement years so that they can enjoy that season in life rather Read more >>
When someone takes out a life insurance policy in their ‘30s, ‘40s or ‘50s, that purchase is predicated on assumptions about the future of the policyholder’s family. But unexpected changes to the family structure can occur over the years, and for seniors those changes might lead to the consideration of a life settlement. Insurance For Read more >>
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