Skepticism on Long-Term Care

Long-term care insurance is over-priced and often sold to people who don't need it. The worst part is that when people have to use it, they’re more likely to feel frustrated, disappointed and dissatisfied than to enjoy the comfort and peace of mind they expect.

Cash in an Old Life Policy?

Should you cash in an old life insurance policy? Maybe even one your parents took out for you when you were an infant? Sometimes, despite the emotions surrounding such a long-term holding, the answer is yes.

When Susan came into the world in 1974, of course her parents wanted the best for her. At that time, one of the loving things many parents did for their children was to purchase life insurance policies on them.

How to Store Critical Info

Most of us make lists for groceries and weekend chores. Few write what’s likely the most important list of our lives and here’s what to put on it.

Call it a life book: a notebook – or just a piece of paper – containing pertinent information your loved one must know to take care of you or your family if you suffer a serious accident, illness, emergency or death.

To see the value, ask yourself how to answer these questions if something happens to your spouse or to another close family member:

Pros and Cons of Annuities

You need a steady income flow in your retirement years and can build one with the right type of investment tool, such as annuities. Question is, what kind? One type has a fluctuating value that depends on market forces. Another type offers a steady payment. Here’s a guide to figuring this out.

Preparing for the Unthinkable

Scary things happen in life. Here’s how to make thinking about them easier.

You love your family and want to make sure they’re protected if something happens to you. One way to plan for disaster: Manage your risk.

The right variety of personal insurance. You already hold insurance for your car or home. Chances you need other insurance loom greater than you think.

Other Life Policy: Annuities

Life insurance buys financial protection against your premature death. Here’s the how-to on another insurance that protects you from living too long: the annuity.

Annuities often secure steady cash flow to you during your retirement years through growing invested funds. The payout process is known as annuitization.

Insurance With No Exam?

Most people think of buying life insurance as a long process of paperwork, medical exams, even more paperwork then paying big. Here’s how to avoid the expense.

Buying Life Policies: Complex

When I got into financial services, I worked for a well-respected life insurance company. I believed people saw the need for and details of life insurance clearly, and that it sells easily. Wrong, and here’s why it’s hard for you to decide on this insurance.

Life insurance is complicated. Most people misunderstand life policies. They don’t understand how it works or why some types are darned expensive and others look cheap.

Why Young Need Life Policies

Life insurance, often ignored and under-prioritized in personal finance, protects your family even in your 20s and 30s. Here’s how and why you must secure a life policy.

Appropriate life insurance is about your family – not about you – and making sure of their protection in case something happens to you. If your spouse or children or both depend on your income, what replaces your salary if you die? How does your spouse maintain household expenses? The mortgage?

Best Life Insurance to Buy

You face myriad choices and terminology when you shop for life insurance: term, whole life, universal life and variable universal life, among others. Here are a few explanations and recommendations.


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