Using A Secondary Payer To Lower Group Health Insurance Premiums
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Rising group health insurance rates are one of the most significant expenses facing businesses and groups of all sizes. Premiums can increase year over year by 10% or more as insurance carriers struggle with rising medical costs and new benefit requirements. Companies and groups who wish to offer low deductible, high benefit plans are experiencing […]
September 12, 2011
Category: Group Health Insurance
An Annuity Policy For Long Term Care
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The Pension Protection Act of 2006 became law in January of 2010. The law offers several provisions to incentivize the purchase of long term care insurance coverage. One component of this law allows you to use taxable annuity dollars to purchase a long term care insurance policy. This provision is useful if you have significant [...]
July 29, 2011
Category: Annuities, Articles, Long Term Care Insurance, Retirement Planning
Annuity Income Rider Examples
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Planning for retirement income is an often overlooked but necessary piece of any financial plan. Some retirees rely on stocks and bonds, others opt for annuity accounts, and many use a mixture of both in order to diversify their assets. Annuities have grown in popularity based on their history of safe & reliable returns and the […]
July 6, 2011
Category: Annuities, Articles, Retirement Planning
Understanding Joint, Linked And Shared Long Term Care Insurance Coverage
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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 certain advantages to each type of LTC policy and through the help of an […]
June 17, 2011
Category: Articles, Long Term Care, Retirement Planning
Retiree Health Insurance Options
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Upon retirement, you may lose the group health insurance coverage offered from your employer. In some cases, the insurance can be extended for a short period of time, but in most others it may discontinue altogether or become too expensive to maintain. The dividing line for most retirees is age 65. If you are younger […]
June 8, 2011
Category: Medicare Supplements, Retirement Planning
Is An Annuity A Good Or Bad Investment?
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Compared to what other investments? Is an annuity a good investment if you had invested the majority of your dollars with Bernie Madoff or Alan Stanford? How about if you invested in Countrywide, General Motors, Lehman Brothers, Enron, WorldCom Inc, Citi Group, Fannie Mae or Feddie Mac? Or maybe you were unlucky enough to have saved […]
June 2, 2011
Category: Annuities, Articles, Retirement Planning
High Deductible Plan F Medicare Supplement Insurance Rates & Benefits
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High Deductible Plan F Medicare supplement insurance can be a policy choice. It offers low monthly premiums in exchange for higher out-of-pocket expenses. In fact, HD Plan F offers some of the lowest rates of any supplement on the market. Traditional Plan F can be a better choice for those who would rather have no deductible. […]
April 19, 2011
Category: Medicare Supplements
Combination Insurance – Medicare Supplements & Funeral Expense Policies
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Seniors eligible for government Medicare are sometimes in search of combination insurance policies that will cover both the gaps in Medicare and final expenses associated with a funeral. Fortunately, there are a few companies that offer both coverages on one application making it easier to insure both needs. Insurance providers such as Mutual of Omaha, Forethought […]
April 8, 2011
Category: Life Insurance, Medicare Supplements
The Highest Annuity Bonus Accounts
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Are you searching for the highest bonus annuity accounts? Our independent annuity brokerage offers the best premium bonuses on first year and additional yearly deposits. Interest rates and bonus amounts on annuities are constantly changing. It is best to give us a call to compare current yields and illustrations available in your state of residence. [...]
March 30, 2011
Category: Annuities, Articles, Retirement Planning
Do I Need Medicare Supplement Insurance?
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As you approach Medicare eligibility, you’ll be faced with the decision of how to best supplement your government provided Part A and Part B Medicare insurance coverage. You want to know which options and which plan(s) provide the most benefits at the lowest price. There are Medicare supplements and Medicare Advantage plans to choose from, […]
March 28, 2011
Category: Medicare Advantage, Medicare Supplements
How To Enroll In Medicare Parts A and B
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If you will soon be age 65, you'll want to know how to sign up for Medicare Parts A and B with the federal government. You may have questions about supplemental insurance as well. Medicare Parts A & B enrollment is done through the Social Security Administration and can be accomplished in three different ways. [...]
March 17, 2011
Category: Medicare Advantage, Medicare Supplements
Is An IRA Annuity A Good Investment?
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Conservative investors looking to protect a portion of their individual retirement account will often consider an annuity as a means to establish predictable growth and reliable income now or in the future. IRA annuity investments provide steady growth and are ideally suited for required minimum distributions. There are several types of annuity accounts to choose from, but […]
February 23, 2011
Category: Annuities, Articles, Retirement Planning
Understanding Medicare Supplement Insurance Plan C
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You have several choices to consider when shopping for Medicare supplement insurance coverage. Plan C is popular as it covers almost all of the gaps associated with Original Medicare Parts A and B. It can be a good alternative to Plan F if you desire slightly lower premiums and wish to maintain comprehensive overall coverage. Plan C is […]
February 15, 2011
Category: Medicare Supplements
Medicare Supplement Insurance Price Factors
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There are several factors that will determine the cost of a Medicare supplement policy upon purchase. Each insurance company and each state has its own rules and regulations affecting policy prices. That is why it’s usually wise to shop around with an independent agency. The prices of Medicare supplement insurance plans are controlled by law, so […]
February 7, 2011
Category: Medicare Supplements
Medicare Supplement Insurance vs. Medicare Advantage Plans – Which Is Best?
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If you are currently enrolled or soon to be enrolled in Medicare, you usually have just two insurance choices to close/minimize the gaps in this government insurance program: Medicare Supplements or Medicare Advantage plans. It’s a good idea to choose one or the other as Original Medicare has several benefit gaps with open ended expenses. […]
January 21, 2011
Category: Medicare Advantage, Medicare Supplements