Author Archives: Administrator

• Long-Term Care Insurance: Keeping it Affordable

  Posted on June 21, 2016 by Administrator 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 Administrator 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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• Smart Retirement Planning: Start Early and Consider a Hybrid Policy for Long-Term Care

  Posted on May 11, 2016 by Administrator in Breaking News

  The best time to be planning for retirement is when you’re still working and accumulating wealth. In addition to growth investments, cash reserves set aside for emergencies and life insurance, your potential need for long-term care (LTC) should be included in your retirement planning. LTC not reserved for the elderly When it comes to LTC, […]

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• Long-Term Care Insurance: Myths and Misperceptions

  Posted on April 12, 2016 by Administrator 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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• Case Study: A Surgeon is Grateful for Long-Term Disability Insurance

  Posted on March 22, 2016 by Administrator in Uncategorized

  Like many of you, I do a lot of reading to stay on top of the changes in my industry. I need to be able to provide the very best advice for my clients. Something I haven’t talked a lot about is disability insurance, but this story caught my attention. This was about Derek, a […]

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• Life Insurance Funds a Buy-Sell Agreement

  Posted on March 16, 2016 by Administrator 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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  A Closer Look at Term vs. Permanent Life Insurance

  Posted on March 1, 2016 by Administrator in Uncategorized

  There are many factors to take into consideration when thinking about the best life-insurance coverage for you and your family. We generally like to look at your total financial landscape, taking into consideration debts and assets, age, profession, earning potential and family responsibilities. Something else to consider is whether term or permanent, also called whole […]

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• Thinking about Life Insurance? 5 Common Mistakes

  Posted on February 16, 2016 by Administrator 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 Administrator 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 Administrator 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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