Life Stories and Blog
Protect What You Love | Accident Expense Insurance
More than 62% of all personal bankruptcies are caused by the cost of overwhelming medical expenses. Missing work due to an accident can put your family at serious financial risk. A new study done by Harvard University suggests that more than 62% of all personal...
Money Strategies to Survive a Critical Illness
It’s not cheap to be sick, especially very sick. For those facing a critical illness, medical bills and being out of work will create a financial disaster and a health crisis. Understand beforehand where money may come from to help you and your family deal with life's...
A Wake Up Call on College Funding
A child born in 2013 that begins kindergarten in the fall of 2018 would attend college between the years of 2031 and 2035. If that child attends an average private four-year college, and if the annual price increases for private colleges experienced over the last 30...
Are You (Really) Ready to Retire?
The Wall Street Journal recently published the article “So You Think You’re Ready for Retirement.” It was actually a 20-question quiz to help you determine if you are ready for retirement. Some of the questions were very thought provoking.Let me share five:What...
Five Ways To Protect Your Children With No Exam Life Insurance
Term life insurance is recommended by Consumer Reports as being the simplest and typically least-expensive option for life insurance. Take a look at 5 ways term life insurance — even with no exam life insurance — can create a financially secure future for your...
No One Wants to Think About Long-Term Care, But Here’s Why You Should
OK, it’s time to stop putting off the inevitable: thinking about who will take care of you when you can no longer take care of yourself. It’s Long-Term Care Insurance Awareness Month, making it the perfect “excuse” to explore something no one wants to think about, but...
Long-Term Care Insurance Tweetable Facts
It’s Long-Term Care Awareness Month. A lot (most?) people don’t really understand what long-term care insurance is, what it does and why people need it as a part of a sound financial plan. Click on this link for a free guide, aptly named, What You Need to Know About...
Understanding Life Insurance Ratings
Everyone who applies for life insurance is assessed for coverage. Insurers provide coverage and premium rates in accordance with an applicant’s risk level. To that end, insurance companies typically place applicants in categories relative to their risk which involves...
Don’t Name Your Special-Needs Child as the Beneficiary of Your Life Insurance
While you may think you’re doing the right thing if you name your special-needs child (or grandchild, sibling, etc.) as the beneficiary of your life insurance, you may be doing the wrong thing. Here’s why. Under current federal law, an individual with more than $2,000...
You Need Less Life Insurance at 35! Really?
Knowing when you need life insurance and how much of it is personal, because everyone’s situation is unique. That’s why the advice in the USA Today article “Knowing When You Need Life Insurance” is shocking. In the article, Cary Guffey, CFP and financial adviser at...