Protecting your family and your assets from risk is an important aspect of any sound financial strategy.

Term Life Insurance: Advantages and Disadvantages

Term life insurance is often Less expensive than other types of insurance, especially when the insurance is purchased while the policyholder is younger in age. Because of its affordability, it can be a good choice for short-range goals, such as until your youngest child finishes college, while you pay off a loan, extra insurance protection during child-raising years or until you are able to afford a more permanent type of life insurance. The cost and availability of the type of life insurance that is appropriate for you depend on factors such as age, health, and the type and amount of insurance you need.

By |2019-04-13T22:18:23+00:00May 14th, 2019|Insurance|

How to Understand Insurance Company Financial Ratings

Insurance companies use private rating companies to determine their financial strength. The rating agencies evaluate the insurance companies as to financial strength to meet their current and future contractual obligations. These include their ability to pay current and future claims and their ability to maintain solvency during uncertain financial times.

By |2019-04-13T21:48:26+00:00April 22nd, 2019|Insurance|

The Importance Of Dental Health For Senior Citizens

The importance of observing dental hygiene stretches beyond just a smile. As teeth are one of the busiest organs of the human body, they need to be taken care of with utmost priority. Our oral health (dental health) is often neglected by our recklessness in eating habits and hygiene routines. Our overall wellbeing is dependent [...]

By |2019-04-13T21:17:24+00:00April 19th, 2019|Insurance|

Life Insurance Plans and Options: The Basics

There are numerous options for which plan to select. Listed below are the basics of life insurance and how the benefits of these choices can help provide protection. There are two types of life insurance plans: term (temporary) or permanent plans. Life insurers offer various forms of term plans and traditional life policies as well as combinations of the two types.

By |2019-02-19T17:53:08+00:00February 16th, 2019|Insurance|

How Do I Pick The Right Agent To Help Me?

Currently, there are well over 1,200,000 life insurance agents in the United States. How can you ever decide which one is best for you? Plus there’s all this “fiduciary” stuff being thrown around to confuse you even more. Let me make something clear. If you are currently a life-licensed agent and you sell anything other [...]

By |2019-02-19T19:59:36+00:00February 4th, 2019|Insurance|

Ashok S. Ramji Earns Chartered Life Underwriter Designation CLU®

Ashok S. Ramji Earns Chartered Life Underwriter® Designation CLU® Bellevue, WA – February 2, 2019 – Ashok S. Ramji, Financial Consultant, TOP Planning LLC has earned the Chartered Life Underwriter® (CLU®) professional designation from The American College of Financial Services, Bryn Mawr, PA. Candidates for the CLU® designation must complete a minimum of eight courses [...]

By |2019-02-19T20:03:12+00:00February 4th, 2019|Insurance|

Avoid Mistakes When Buying Life Insurance

These common mistakes can have a devastating effect on the beneficiary of the life insurance and can cause unnecessary and undue harm. Approaching the purchase of the life insurance policy with sufficient information can help avoid these basic mistakes and have the policy provide the desired protection.

By |2019-03-06T07:40:47+00:00January 28th, 2019|Insurance|

The Affordable Care Act Is Losing Medical Support

What was meant as the savior of the uninsured and those who cannot afford health insurance, ACA, is in trouble. The trouble is not finding folks who need and want the insurance, it is finding health care providers who will accept the insurance for medical services. A good friend of mine was in need of [...]

By |2019-01-17T15:57:02+00:00January 16th, 2019|Insurance|

Alternatives To Traditional Long Term Care Policies

Until recently few other options  for LTC protection have existed Until recently, there have not been many options to pay for long-term care (LTC) costs. Some people may be fortunate enough to self-fund their care or purchase a traditional long-term care policy from an insurance company. Even then, the cost of the premiums could be [...]

By |2019-02-21T15:26:48+00:00January 15th, 2019|Insurance|