• Looking for an alternative to a stretch IRA? Consider life insurance

    Retirement account owners looking to lower tax bills for their heirs may be concerned that the opportunity to “stretch their IRA” is eliminated for most people now that the SECURE Act has passed.

  • Using insurance to help protect your income

    Protecting that valuable asset is just as important as insuring your home or your car, when it comes to your family’s safety and security.

  • Gear up for covering long-term care costs

    Check it Out! Feeling prepared to meet long-term care costs—and have the care experience you envision—is easier when you take a few steps ahead of time.

  • Determine how life insurance fits in your financial plan

    Check it Out! When it comes to life insurance, you might feel like you have more questions than answers. Do I need it? If so, when should I get it? What kind makes the most sense? How much should I have?

  • Timing is everything: Using annuities as a retirement-planning tool

    Timing when you plan to retire is usually focused on your personal goals and circumstances. Market conditions or the economy often don’t play a part in the equation.

  • Don't let health & long-term care costs consume your retirement savings

    Health and long-term care costs are often some of the largest expenses we face in retirement. Janney’s Head of Investment Solutions, Jessica Landis, suggests exploring an alternative to the pay-as-you-go approach most people use to cover these costs.

  • Reposition assets for tax-efficient wealth transfer

    If you’re close to or in retirement and asking yourself how you can best pass your wealth on to your heirs, repositioning some of your investments may be a tax-efficient way to leave a larger financial legacy.

  • Which programs make sense to cover healthcare costs?

    It is said that it’s harder to get through retirement than it is to get to retirement.

  • Seven strategies to consider before applying for Medicaid

    Many retirees use Medicaid, a joint federal and state health care program, to cover medical and long-term care costs.

  • Planning for end-of-life costs with your legacy in mind

    Senior Estate Planner Mike Repak explains how establishing an end-of-life health care plan can protect the value of your legacy.

  • Maximizing your pension with life insurance

    If you participate in a traditional pension plan (known as a defined benefit plan) with your employer, you may receive monthly benefits from the plan after you retire.

  • The fundamentals of disability insurance

    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 work.

  • Hybrid long-term care insurance: Is it right for you?

    For many, long-term care (LTC) insurance can help protect personal assets from a catastrophic illness. However, some may find LTC premium costs are too high to justify the expense for a benefit they may never use.

  • Using life insurance riders to pay for long-term care

    If you’re thinking about buying a stand-alone long-term care insurance (LTCI) policy, you might have another option.

  • Life insurance: Do you need it?

    At some point in your life, you’ll probably be faced with the question of whether you need life insurance.

  • Irrevocable life insurance trust (ILIT)

    One of the main reasons we buy life insurance is so that when we die, our loved ones will have enough money to pay off our remaining debts and final expenses.

  • Group term life insurance

    Group term life insurance is simply term insurance issued to people who belong to a group that has a common interest or association, such as an employer, a trade, or a school affiliation. Premiums increase annually or in “bands” of three- or five-year periods.

  • Comparing life insurance policies

    Like anyone else, you want a life insurance policy that meets your needs and budget.

  • Cash value life insurance

    Cash value, or permanent, life insurance is life insurance that is designed to be kept until your death--whenever that may be.

  • Don’t know much about... Life insurance?

    The two broad categories of life insurance are term and permanent life insurance. Term insurance covers you for a specific length of time and pays a death benefit to your beneficiary if you die while the policy is in effect. Its relatively low cost may allow you to buy more coverage for less money.

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