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

Life Insurance Benefits Optimization Opportunities

As we age, the need for a life insurance policy can change. Numerous opportunities may exist for you to make changes to your current life insurance policy to establish a different type of benefit.  •    Exchange: Exchange your life insurance policy for an annuity to develop an income stream. The life insurance cash value will [...]

By |2018-08-18T21:44:03+00:00August 14th, 2018|Insurance|

Whole Life Insurance Or Term Insurance- Which Is Best?

An easy example of which to choose is based on a very hard to answer a question. How long do I need the protection? One fundamental thing to understand is that life insurance is not an investment, regardless of what an insurance agent tells you. Life insurance is for protection and protection only. The two [...]

By |2018-08-18T21:40:13+00:00August 10th, 2018|Insurance|

A Life Insurance Policy Is An Asset You Can Sell

Did you know that you have a valuable asset which is often overlooked and may not be included in conversations regarding your financial portfolio?  It’s your life insurance policy. Many people are not aware that a life insurance policy is an asset which can be sold with some of the terms being set by the [...]

By |2019-02-25T08:46:00+00:00June 27th, 2018|Insurance|

Is There a Way to Protect Assets and Provide Quality Long Term Care for Someone Already Receiving Care?

As a senior myself working primarily in the senior market, I am very much aware that the number one fear of most seniors is the fear of outliving their money. I have written articles previously about how I have been able to solve this concern for so many people and to help them secure peace [...]

By |2018-03-11T00:23:17+00:00January 12th, 2018|Insurance|

The Death Spiral of the American Health Insurance System

Recently, updates on the actual cost of the Affordable Care Act has disclosed severe issues that could cost the American taxpayer billions. The report has gone on to include that actual cost in both Medicare expense and user expenses unexpectedly have increased.  What went wrong? We had predicted that insurance rates would rise based on [...]

By |2019-04-13T20:54:57+00:00April 21st, 2016|Insurance|

See What The Insurance Industry Has Planned For Us

Remember HAL in 2001, a Space Odyssey? It seemed at the time that space travel was something for the movies and yet, look what has happened. The future they say is now. That is going to be the truth for our industry, the annuity, life insurance and long-term care insurance industry. The future will belong [...]

By |2019-04-13T21:02:15+00:00September 23rd, 2015|Insurance|

Healthcare And The Baby Boomers

The Baby Boomers are overpowering the health care system   For over 100 years the discussion of a national health care system in America has been both a hot and cold discussion. As president, Theodore Roosevelt first suggested the idea of a health care system that would be available for all Americans. In fact, as [...]

By |2019-03-05T20:39:13+00:00September 8th, 2015|Estate Planning, Insurance|