You have the opportunity to purchase long term care insurance at any time. Even so, many people don’t think about this when they are young and healthy. Instead, it only comes into play as they grow older and begin to think about the need for specialized care. But here is something to remember: You will […]

When you say that someone is disabled, the common assumption from many people is that the person must be in a wheelchair, using a cane, using a walker, or unable to get around. This is a very inaccurate assumption, which is why it’s important to show that disabilities can be much more complex than that. […]

  Did you know that an estimated 400,000 Americans have multiple sclerosis, and 200 new cases are diagnosed each week? Multiple sclerosis, often referred to as MS, is a chronic disease that attacks the central nervous system. There are several types of MS, including: relapsing-remitting multiple sclerosis (RRMS) primary-progressive MS secondary-progressive MS progressive-relapsing MS The […]

When you purchase disability insurance, you do so with the idea that it could cover a variety of expenses should you lose income as the result of an illness or injury. You may believe that you only need one or the other. But before you decide to purchase one type and forget about the other, […]

When considering plans for late life, many people put a lot of effort into retirement savings and some even take time to create strong estate plans to ensure their wishes are acted upon regardless of circumstances. But what if circumstances require long-term care because of medical conditions? While many people dream of spending the rest […]

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We all like to save money, especially on insurance premiums. However, you may be missing out on lesser-known credits that can trim your homeowners insurance premium by up to 25 percent. In this episode, we break down three unexpected ways to save on your homeowners insurance.

Increasingly, people who want to help ensure that they can pay for nursing home or assisted living care but don’t feel that they can afford a long-term care insurance policy are turning to hybrid or combination policies. These insurance policies combine long-term care coverage with either a fixed annuity or a life insurance policy. In […]

Are you planning to buy an individual disability insurance policy to protect your livelihood? In our latest Slideshare presentation, we explore the ideal features, advantages and benefits to look for in a policy:  

When you’re considering which type of disability policy to purchase, you should first know the difference between short-term and long-term policies. Short-term policies can provide you with benefits faster than most long-term policies can; however, the benefits will not generally be available for as long. Most short-term policies have a waiting period before you can […]