• 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.

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