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Insurance is a financial tool that you can use to mitigate risk of damage or loss occurring to a finite resource you possess. Here you can learn more about the different types of insurance and whether or not they would be right for you.
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Protect Three Key Goals With Life Insurance

by Richard Andrew Solt Level 12
Many people remain unaware of the many ways in which life insurance can help families meet their key financial goals. Here are three of the biggest of these objectives, as seen through the eyes of a hypothetical couple, ...(more)
Comment   |  Nov 29, 2017
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10 Long-Term Care Terms You Should Know

by Nicholas Joseph Scheibner Level 14
A 60-second read by Nicholas Scheibner: As people are living longer, paying for health care costs is becoming a top concern.  Many people are beginning to consider if a Long-Term Care Insurance policy is best for ...(more)
Comment   |  Jul 12, 2017 from Fair Lawn, NJ
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How to Unlock the Potential in Your Life Insurance Policy

by Peter Carl Hafner Level 12
I decided to sell my motorcycle the other day. There wasn’t anything wrong with it. It was a beautiful bike and it was in really good shape. It had low miles and ran well. The reason I sold it was because it didn’t ...(more)
Comment   |  Jun 01, 2017 from Buffalo, NY
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Healthcare

by Randy Brunson Level 18
Last week, we spoke briefly of the American Health Care Act, which has been passed by the House.  Following are additional details about the AHCA, as passed by the House.  The legislation would:    Do away with both ...(more)
Comment   |  May 17, 2017 from Suwanee, GA
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Do I Really Need Life Insurance?

by Peter Carl Hafner Level 12
There are some things in life that I would never go without. Some things are so important that whenever they run low, I make sure they are replaced. Coffee is one. Gasoline in my car is another. Could you imagine ...(more)
Comment   |  May 11, 2017 from Buffalo, NY
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Understanding long-term care insurance

by Jose Manuel Soto Level 17
It's a fact: People today are living longer. Although that's good news, the odds of requiring some sort of long-term care increase as you get older. And as the costs of home care, nursing homes, and assisted living ...(more)
Comment   |  Dec 05, 2016
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The fundamentals of disability insurance

by Jose Manuel Soto Level 17
Disability insurance pays benefits when you are unable to earn a living because you are sick or injured. Most disability policies pay you a benefit that replaces a percentage of your earned income when you can't ...(more)
Comment   |  Dec 05, 2016
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Understanding risk

by Jose Manuel Soto Level 17
Few terms in personal finance are as important, or used as frequently, as "risk." Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their ...(more)
Comment   |  Dec 05, 2016
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Life insurance at various life stages

by Jose Manuel Soto Level 17
Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your ...(more)
Comment   |  Dec 05, 2016
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How might you replace lost income as a survivor?

by Larry R Frank Sr Level 20
Most people don’t realize (or do, but don’t plan for it) that, as a couple, there is lost income from Social Security automatically built in. I discussed examples in a post titled “Social Security and Survivor ...(more)
Comment   |  Nov 15, 2016 from Roseville, CA
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What is an Annuity?

by Randy Brunson Level 18
  Just what is an annuity?  The textbook definition of an annuity is “an income stream” or “a fixed sum of money paid to someone each year, typically for the rest of their life”.  The word shares a root with our word ...(more)
Comment   |  Aug 11, 2016 from Suwanee, GA
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Medicare Part A

by Ryan Patrick Zacharczyk Level 20
Medicare: Part A Medicare Part A is the hospital insurance portion of Medicare. There is no premium for eligible beneficiaries. Part A should be not be considered as maintenance or ongoing care, but more emergency, ...(more)
Comment   |  Jun 24, 2016
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How exactly does Life Insurance work within a Qualified Plan?

by Barry Robert Edney Level 6
Benefits of Employees Purchasing Life Insurance in Qualified Plans When looking at Life Insurance in Qualified Plans there are many differences, benefits, and goals with each type. The following wiill detail how it ...(more)
Comment   |  Jun 24, 2016
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Annuities: Are They a Good Option in Turbulent Times?

by Matthew B Goff Level 18
As Americans get older and the stock market goes through a periodic decline, the temptation to decrease risk over fears of running out of money makes people turn to annuities, according to the recent New York Times ...(more)
Comment   |  Mar 30, 2016
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Medicare ABC(&D)s

by Kimberly L. Curtis, CFP®, ChFC, CLU, ... Level 20
As many of our clients reach retirement, they begin to have questions around Medicare coverage. Since the costs associated with health care are a large factor in a financial plan, it becomes increasingly important to ...(more)
Comment   |  Feb 18, 2016 from Denver, CO
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What is Medigap Insurance?

by Ryan Patrick Zacharczyk Level 20
A Medigap policy is a health insurance policy sold through a private insurance company to help fill in the “gap” in Medicare’s costs. Medigap policies help pay some of the costs that original Medicare does not cover. ...(more)
Comment   |  Jan 26, 2016
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Medicare Premiums and Other Costs for 2016

by Robert L. Riedl, CPA, CFP®, AWMA® Level 19
For more information on costs and benefits related to Social Security and Medicare, visit Socialsecurity.gov and Medicare.gov. During the past several weeks, you may have seen media reports announcing that Medicare ...(more)
Comment   |  Nov 12, 2015 from Milwaukee, WI
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Health Savings Account Or Flexible Spending Account?

by Theodore Michael Jenkin Level 19
Health Savings Account Or Flexible Spending Account? Ted Jenkin, CFP®, AAMS®, AWMA®, CRPC®, CMFC®, CRPS®   Co-CEO and Founder oXYGen Financial, Inc. Request a FREE no obligation consultation: www.oxygenfinancial.net ...(more)
Comment   |  Oct 30, 2015 from Alpharetta, GA
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Long Term Care Insurance versus Everything Else

by Adam McCurdy, CFP®, EA Level 15
Within the last two weeks, I had a client inquire about a long term care (LTC) policy and a reporter call regarding pros and cons of LTC policies. I took it as a sign of what to discuss this week, and it’s also a good ...(more)
1 Comment   |  Sep 28, 2015 from Chicago, IL
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A Universal Tale

by Carlos Sera Level 20
A Universal Tale   I call this A Universal Tale because it is about how you might be able to incorporate a specific type of insurance called universal life or UL into your portfolio.  As you read you will learn it is ...(more)
Comment   |  Sep 28, 2015
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