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April 14, 2017

INSURE U - Get Smart About Insurance is a public education program created by the National Association of Insurance Commissioners (NAIC) to assist consumers with information about insurance issues.

Insure U is designed to help insurance consumers as their lives and need...

April 10, 2017

What if you are a 34 year old male with three children and need insurance for the next 20 years (term life)?  You also are worried about college, weddings, emergencies (whole life) and want to have affordable life insurance after the term expires (universal life).  You...

We recommend when planning for retirement that you include long term care.  We aren't the only ones.....

The Bipartisan Policy Center issued its recommendations for less sweeping changes to combat long-term care cost issues.  These were endorsed by former Senate majorit...

April 7, 2017

The way you pay for long-term care insurance policies may be about to change in a big way.

Genworth, the biggest seller of stand-alone long-term care insurance, is about to ask state insurance regulators for permission to fundamentally revise the way it structures premi...

April 7, 2017

You’ve probably seen the life insurance commercials in which small children, all wide-eyed and adorable, ask questions like, “Hey, Dad, what’s life insurance?”

While these campaigns are supposed to put a small lump in your throat, most people don’t think about life insu...

April 6, 2017

Have you thought about the cost of long-term care and the possibility that you might need it?

The government estimates that 70 percent of seniors will need some form of long-term care assistance before they die. For those unfortunate few who will require the most costly...

April 2, 2017

My father was diagnosed with Alzheimer's and my Mom, who just turned 74, took care of him.  It took a toll on her both physically and mentally.  As the disease progressed, he went deeper and deeper into a world that no one wants to be in. 

The stress was piling up...

April 1, 2017

Should you buy universal life insurance?

By Insure.com | Last updated: June 22, 2016

A 2009 study by the Life Insurance and Market Research Association (LIMRA) shows the following results for product market share:

  • Universal life, 41 percent.

  • Term life, 26 percent...

March 29, 2017

Easy....a chronically or critically ill policyholder can tap into their death benefits to reimburse the family members that have paid for their health care or the facility where it was provided. The distributions are tax-free, up to a point. Any remaining funds go to b...

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