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Category Archives: Insurance Articles

  • Long-Term Care Insurance: Keeping it Affordable

    Posted on June 21, 2016 by in Breaking News, Insurance Articles

    Long-term care (LTC) can vary from home care and adult day care to residential care in assisted living or nursing home facilities, and as anyone who’s dealing with ailing family members learns, the costs can add up very quickly. Yet the majority of Americans will live in a nursing home or other facility at some […]

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  • Long-Term Care: It’s Not Just a Women’s Issue Anymore

    Posted on May 24, 2016 by in Breaking News, Insurance Articles

    We recently wrote an article about women being the primary caregivers. It’s women, after all, who typically bear the primary responsibility of caring for aging and ailing family members. It’s women who have historically sacrificed career opportunities and shortchanged their own families because of what can become the overwhelming burden of caregiving. Caregiving affects the […]

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  • Long-Term Care Insurance: Myths and Misperceptions

    Posted on April 12, 2016 by in Breaking News, Insurance Articles

    A recent series of NPR interviews discussing long-term care for aging baby boomers made it painfully clear how ill-prepared this generation is for old age. For many boomers, a long, slow decline would quickly deplete their resources. For better or worse, modern medicine has increased our longevity. It’s great if you remain healthy and have […]

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  • Life Insurance Funds a Buy-Sell Agreement

    Posted on March 16, 2016 by in Breaking News, Insurance Articles

    One of the most common ways that life insurance is being used for businesses these days is to fund a Buy-Sell Agreement. When there are multiple owners, a Buy-Sell Agreement is usually in place to provide for the transition of each person’s interest in the event of death of one of the owners. This is […]

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  • Thinking about Life Insurance? 5 Common Mistakes

    Posted on February 16, 2016 by in Breaking News, Insurance Articles

    Do you need life insurance? The answer is simple. If someone will suffer financially when you die, you need life insurance. The more important question: how much? You may already have life insurance through your employer, but there’s a good chance it’s not enough. Just as you have a savings account, a 401k, a college […]

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  • Life Insurance: Who Needs It?

    Posted on January 26, 2016 by in Insurance Articles

    Whether we admit it or not, we all make New Year’s resolutions. We may not call them resolutions, and we may keep them to ourselves, but I think we all start the year with a renewed commitment to things like healthier living, getting more exercise or spending more time with our families. Apparently many people […]

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  • LTC Hybrid Products Provide Attractive New Options

    Posted on January 13, 2016 by in Insurance Articles

    Some consider the cost of long-term care insurance to be high, and many people are reluctant to pay premiums for something they may never use. Yet the need has never been greater, and insurance companies are responding with creative new hybrid products–combining long-term care insurance with either a life insurance policy or an annuity. What […]

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  • 4 Ways to Pay for Long-Term Care

    Posted on November 11, 2015 by in Insurance Articles

      November is Long-Term Care Awareness Month. While you may think this is a marketing scheme cooked up by the insurance industry, we think of this as a time to draw attention to the realities of aging for millions of babyboomers and their parents. Our life expectancy has dramatically increased, which is great if you’re […]

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  • 10 Things to Do When Choosing a Health Plan for 2016

    Posted on November 4, 2015 by in Breaking News, Insurance Articles

    Open enrollment for individual plans kicked off Nov. 1, and you need to choose a plan by Dec. 15 if you want coverage to take effect Jan. 1. If you don’t choose a new plan, your existing plan may continue your coverage, but don’t assume that will happen because not all plans continue. Confirm that […]

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  • The MythBuster: 4 Myths about Disability Insurance

    Posted on October 21, 2015 by in Breaking News, Insurance Articles

        There’s a huge disconnect when it comes to understanding disability insurance. As an insurance broker, I find that my clients are often the victims of second-hand information from people who have not stayed on top of a rapidly changing industry and hearsay.     Myth No. 1: The odds of experiencing a disability […]

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