Long Term Care Annuity Plans
Get a Quote »The newest addition to the LTC marketplace is the long term care hybrid annuity account. This product functions exactly like a fixed annuity, but it has a long term care multiplier built into the policy.
There is no premium rider associated ...
Interest Rates 2006
Yesterday, the FOMC raised the overnight lending rate between banks another quarter point to 5.25%. While their initial statements seemed less hawkish and the overall markets rallied in response, it is worth mentioning that inflationary pressures still exist to some degree on the US economy. It appears that future rate ...
What's The Buzz About Equity-Indexed Annuity Accounts?
Get a Quote »These days investors are looking for safety and security more than ever, especially after the major stock market correction witnessed from 1999-2002.
Years later, numerous brokerage and variable annuity accounts still have not recovered their losses from that time period. Unfortunately, ...
Rescue Your Underperforming Annuity
It was only a few years ago that interest rates plunged to historic lows. Conservative investors who needed guaranteed income and preservation of principal were in a bind. In many cases, returns at the bank were below two percent and fixed annuity accounts yielded only marginally better. Many of these ...
Will You Have Enough Income at Retirement?
In my numerous meetings with retirees, I have met many who live very comfortably in their golden years. Foremost, they have conservatively invested nest eggs typically in annuities and brokerage accounts. They also possess sizeable deposits at the bank including certificates of deposit, savings and checking accounts. This generation experienced ...
Long Term Care Insurance Examples – Hybrid Annuity and Life Policies
Traditional Long Term Care Insurance
Get a Quote »Up until a few years ago, consumers had few choices when it came to long term care insurance (LTCi).
Traditional policies that provided a certain amount monetary reimbursement were the norm. Policies could be designed to cover ...
Paying for Long Term Care Expenses – Medicare, Medicaid and Medicare Supplement Insurance Benefits
Request Assistance »There are some common misconceptions concerning who is responsible for long term care expenses. Oftentimes consumers erroneously believe that government run Medicare and private supplemental insurance will pay the costs associated with extended care. Unfortunately, this is not the case.
Medicare, when combined ...
Understanding Joint, Linked And Shared Long Term Care Insurance Coverage
Get a Quote »There are significant differences between joint and linked long term care insurance policies. One type allows for couples to share a policy while the other allows a husband or wife to tap into the benefits of their spouse's policy.
There are ...
Long Term Care Insurance Examples – Hybrid Annuity and Life Policies
Traditional Long Term Care Insurance
Get a Quote »Up until a few years ago, consumers had few choices when it came to long term care insurance (LTCi).
Traditional policies that provided a certain amount monetary reimbursement were the norm. Policies could be designed to cover ...
Wealth Transfer Using Life Insurance
Wealth transfer and asset protection are important topics for many baby boomers and seniors. Consumers want to learn efficient ways to maximize the distribution of assets to their spouses, younger generations and favorite charities. A will and/or a trust can assign assets to beneficiaries, however these estate-planning tools are not ...
Whole Life or Term Life Insurance?
Life QuotesLife insurance shoppers want to know: What is the difference between whole and term life insurance and what type of policy should they purchase? The answer is usually simple depending on the circumstances.
Listed below are life insurance explanations as well as recommendations for purchasing a ...
Insurance Policies That Lower Your Income Tax Obligations
Request Assistance »It's April 15th and while many have already filed their tax returns some are still scrambling to get their documents in on time. Thus, it is an appropriate time of the year to talk about different ways to reduce your income taxes.
If ...
Obamacare 3.8% Investment Tax
Now that the Supreme Court has upheld most of the provisions in the Patient Protection and Affordable Care Act (otherwise known as Obamacare) high income investors can expect to pay higher taxes on most investments.
Legislative changes of this magnitude certainly come at a cost and in order to pay for Obamacare, investors must ...
The Boom Market Goes Bust
The S&P 500 - January’s first trading day in 2007: 1268.80
Many investors entered 2007 with positive expectations for the year ahead. In fact, a substantial number of large cap companies reported double digit income growth in the first quarter of the year. Pundits immediately chimed in with rosy prophecies of ...
