Health Insurance with Prescription Drug Coverage
Blog
Finding a suitable health insurance plan can be difficult for many consumers. However, obtaining reliable medical insurance with adequate prescription coverage requires even more due diligence. The problem lies in the fact that consumers taking several prescriptions are likely to have preexisting conditions or poor health. Poor health and/or several preexisting conditions may cause the […]
July 7, 2008
Category: Health Insurance
Income Annuity Accounts Explained
Blog
Consumers who need a guaranteed, stable and systematic income can establish an immediate annuity account. Also know as an annuitization or an income annuity, these accounts provide regular monthly payments for a specified period of time to the account holder. The payments will consist of principal and interest and continue for the term selected. Several […]
June 16, 2008
Health Insurance Terms Explained
Blog
When speaking with our prospective clients, oftentimes there is confusion as to the meaning of certain insurance terms. Consumers want to understand health insurance terminology. They also want to learn how it affects not only the cost of their health insurance policy, but also their out of pocket exposure. Listed below are explanations of common […]
May 15, 2008
Category: Health Insurance
Medicare Supplement Ratings Types
Blog
When researching Medicare supplement insurance policies, you may have questions about the various ratings classes. There are three to choose from: Attained Age, Issue Age and Community Rated. We will examine all three and discuss the nuances of each below. It’s important to note that each class has it’s own pros and cons. There is […]
March 12, 2008
Category: Medicare Supplements
Understanding The Medicare Open Enrollment Window At Age 65 And Beyond
Blog
Your Medicare open enrollment period is a seven month window. It includes the three months prior to, the month of and the three months after your 65th birthday. It is advantageous to consider purchasing a supplemental plan during this window of time. That might be a Medicare Supplement, Part D drug plan, or Medicare Advantage […]
February 14, 2008
Category: Medicare Supplements
Safe Investments in Volatile Markets
Blog
Recent significant stock market declines and portfolio volatility have many investors inquiring, once again, about the safety of annuity accounts. Consumers ask, “Are annuities safe from a recession? Do they maintain value when the market goes down? Will they lock in my interest gains each year?” The answer is, yes. Investing in a fixed, an […]
January 29, 2008
Senior Dental Insurance for Medicare Consumers
Blog
Upon turning 65, many seniors will enroll in Medicare and purchase a Medicare supplement plan. Between Medicare and supplemental coverage, most seniors will have reliable health insurance. However, there is still one unfilled gap in these two plans. Medicare and supplemental coverage do not provide dental insurance coverage for seniors. We have filled this gap […]
January 17, 2008
Category: Dental & Vision Insurance
Ohio Group Health Insurance Quotes
Blog
Health insurance premiums will rise year over year for most Ohio businesses. In some cases, rate increases will be well above 10%. Fortunately for business owners, the group health insurance market is a competitive industry. There are several insurance companies willing to undercut their competitors in order to enroll new clients. A business entity, depending […]
January 10, 2008
Category: Group Health Insurance
Two Online Annuity Presentations
Blog
Recent market volatility resulting in portfolio declines has once again lead to a demand for safe, insured investments. With so many investment options available, many conservative minded consumers want accounts that guarantee principal, investment growth and/or lifetime income. We assist retirees who are in search of a safe place to invest retirement portfolios, IRA’s, 403(b)’s and […]
December 13, 2007
Category: Annuities, Articles, Ohio Annuity
Health Insurance Options and COBRA
Blog
Employer based health insurance provides coverage for tens of millions of Americans. Unfortunately, many employees will be without coverage if they lose their job, quit, retire or if their company goes out of business. In most cases, an employee can elect COBRA upon losing employment. The Consolidated Omnibus Budget Reconciliation Act will provide 18 months […]
November 12, 2007
Category: Health Insurance
Health Insurance Plans with Maternity Coverage
Blog
Many families are in search of affordable health insurance that will provide maternity or pregnancy benefits. Health carriers offer such plans, but they vary in the amount of coverage provided. Most insurers provide no benefits for at least three to nine months and at least one insurance company will not cover a pregnancy for 18 […]
November 7, 2007
Category: Health Insurance
Wealth Transfer Using Life Insurance
Blog
There are several strategies you can use to pass assets to the next generation while mitigating taxes. This article will focus on life insurance for wealth transfer as it’s one of the most efficient. Life policies immediately create a fully valued tax-free asset upon first premium receipt. Our clients ask about cost effective ways to […]
August 29, 2007
Category: Life Insurance, Wealth Transfer
Hybrid Annuity & Life Insurance Policies
Blog
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 expenses for a few months or much longer period of time – even providing benefits for the insured’s […]
August 29, 2007
Category: Articles, Long Term Care, Retirement Planning, Wealth Transfer
Will You Have Enough Income at Retirement?
Blog
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 the tribulations of The Great […]
August 29, 2007
Rescue Your Underperforming Annuity
Blog
Interest rates remain at historic lows. Conservative investors who needed guaranteed income and preservation of principal are in a bind. In many cases, returns at the bank are below one percent, but fixed annuity accounts are providing much better yields. Many investors are purchasing fixed annuities rather than bank instruments in order to capture higher […]
August 29, 2007