Health Insurance Special Election Periods For Open Enrollment

Get a Quote »Health insurance open enrollment under Obamacare has come to a close for 2014. The next open enrollment window won't be until the fall for a 2015 effective date. Special election periods will be available outside of open enrollment for those who meet certain criteria. If ...

The Case For Buying A Medicare Supplement Insurance Policy

Get a Quote »Recently, I was contacted by a prospective client who had been going without a Medicare supplement insurance policy since turning age 65. She was in good health and did not feel any urgency to purchase a plan that would help fill in ...

The Pension Protection Act Offers Tax Incetives When Purchasing Long Term Care Insurance With An Annuity

Get a Quote »The Pension Protect Act (PPA) was passed by Congress in 2006 and became effective in 2010. The law provides tax advantages for consumers who wish to purchase a long term care policy using a non-qualified annuity policy. The provision in the ...

Monthly Point To Point Annuity Examples, Explanation & Interest Credits

February 14, 2014 · Annuities,Retirement Planning
Get a Quote »Understanding monthly point to point annuity with cap accounts is very important if you are a current or potential indexed annuity investor. Typically, these accounts offer some of the highest potential for yearly returns. This post is the second in our ongoing ...

Second To Die Life Insurance

Get a Quote »Second to die life insurance is precisely that - a policy insuring two lives that only pays out once the second insured has passed away. This coverage is typically used for estate planning and wealth transfer preparation. Permanent insurance policies like whole and ...

Annuity Death Benefit Riders

December 26, 2013 · Annuities,Retirement Planning
Get a Quote »In response to market demand, several insurance companies are offering annuity accounts with a guaranteed death benefit rider. These new riders increase the contract value each year by a guaranteed interest rate. The annuity death benefit proceeds will be passed on to the insured's ...

2014 Medicare Supplement Insurance

Get a Quote »Each year the Centers for Medicare & Medicaid Services (CMS) make changes to Original Medicare that affect all Medicare supplement insurance polices - both old and new.  We highlight those changes below. Purchasing a Medicare supplement insurance policy can be a stressful endeavor.  ...

How Much Is The Obamacare Penalty?

Get a Quote »Our insurance agency has received several inquiries about the upcoming Obamacare penalty amounts for those who do not purchase health insurance.  It is important to understand how these penalties will be enforced and ways to avoid them. The penalties will vary for singles and for ...

Understanding Health Insurance Exchanges, Penalties and Subsidies

September 26, 2013 · Health Care Reform,Health Insurance
Get a Quote »Assuming no further changes, health insurance exchanges will go live October 1st, 2013. This is when individuals and families can apply and enroll in health coverage that will become effective January 1, 2014. There will be several changes to health insurance as part of ...

2013 Medicare Open Enrollment

Get a Quote »The 2013 Medicare open enrollment period is nearly here.  It runs from October 15th through December 7th - plan changes will not be effective until January 2014. In insurance speak, this period of time is also referred to as the Annual Election ...