November 12, 2019
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.
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.
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.
October 31, 2019
If you’re thinking about buying a stand-alone long-term care insurance (LTCI) policy, you might have another option.
At some point in your life, you’ll probably be faced with the question of whether you need life insurance.
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 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.
Like anyone else, you want a life insurance policy that meets your needs and budget.
Cash value, or permanent, life insurance is life insurance that is designed to be kept until your death--whenever that may be.
June 20, 2019
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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