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Archive for the Life & Health Category

Important Information about: Disability & Long-Term Care Insurance

The old adage “your health is your wealth,” rings true when you consider the financial consequences of a major illness. This article explores two types of health insurance: disability and long-term care. Disability Insurance covers your ability to earn an income, which is your single greatest asset. Disability insurance (also known as disability income or sick… Read More »

Details on the New FSA Rollover Rule for 2014

Do you have a special tax-advantaged savings account for health care expenses? There are several types of them to which the federal government permits employees and employers to contribute: Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), Medical Savings Accounts (MSA), and Health Reimbursement Arrangements (HRA). HSAs are required to be offered in conjunction with High Deductible Heath… Read More »

Can You Buy Life Insurance and Forget It?

Most people buy life insurance and seldom review it later. Here are 7 compelling reasons why a life insurance review is a great idea. Price:  If you own term insurance, you may want to check to see if you can buy a new policy for a lower overall cost. Length: If you purchased a level premium… Read More »

How to Extend Term Life Insurance and Save Money By Layering Policies

Previously I wrote on reviewing your life insurance policies, today I describe a way to layer term life insurance to provide affordable life insurance protection for longer periods of time. As a review the most common forms of term life insurance are level term, and annually renewable term, both offer level death benefits: Level term life insurance’s premium… Read More »

The Benefits and Costs of Obama Care

The key benefit of Obamacare, National Health Care, or Patient Protection and Affordable Care Act is providing care to those who are unable to purchase health insurance because it costs too much, or are uninsurable. Lack of adequate health coverage sometimes forces or keeps people in poverty, or causes the uninsured pain, suffering and death… Read More »

Obama Care Stands

Various news sources are reporting that the Supreme Court upholds key part of Obama Health Care, the individual mandate. More evaluation on 7/2/12 blog.

The Essentials of Life Insurance

Life Insurance Defined Insurance providing for payment of a sum of money to a named beneficiary upon the death of the policyholder. In other words, it is insurance of a risk (death) to replace the financial loss suffered by those dependent on the deceased. History of Life Insurance Life insurance is nothing new, its history… Read More »

Retiree Health Care Costs Increasing

According to a study by Fidelity Investments a couple retiring this year will incur $250,000 in costs not covered by Medicare Parts A and B. Those with medi-gap or employer based retiree health insurance will have less expenses. Many companies today either do not provide or are cutting back on retiree health care, so they probably… Read More »

Assisted Living Costs

Insurance policies to help offset the cost of living in an assisted living facility are priced based upon the amount of benefit that one feels they need or can afford. People in their 50’s and 60’s often consider this insurance, but it isn’t cheap, neither is the cost of living in a facility.  The costs… Read More »

Health Insurance Gap for Millions

The health insurance debate is far from over. You are going to hear a lot more about it in the next few years; during the presidential debate, as cases work their ways through the courts and the Supreme Court, and as more major provisions become effective that aren’t now. I’ve listened to much of the… Read More »