Through our independent agency, you can compare hybrid long term care insurance quotes and illustrations from One America State Life Insurance Company. They offer both single and joint annuity and life plans to fit most situations. We offer their hybrid annuity and life plans direct to consumer. Using our expertise and guidance, we can help …
Category: Long Term Care Insurance, Retirement Planning
If you are researching hybrid long term care policies, then you may want to consider the Lincoln MoneyGuard life insurance product. In this post, we will discuss how this policy works and provide examples of the benefits it will provide now and in the future. Addressing Long Term Care Using Hybrid Insurance Plans Asset based …
Category: Long Term Care Insurance, Retirement Planning
Category: Annuities, Articles, Long Term Care Insurance, Retirement Planning
Recently, I was contacted by a prospective client who had been going without a Medicare supplement insurance policy for a few years. She was in good health and did not feel the urgency to purchase a plan that would help fill in the gaps of Medicare Parts A & B. In the insurance industry, it is …
Category: Medicare Supplements, Retirement Planning
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 when markets steadily trend upward. This post is the second in our ongoing series discussing indexed annuity sub-accounts. Our first was an explanation …
Category: Annuities, Articles, Retirement Planning
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 beneficiary(s) in a lump sum – or over the course of a predetermined …
Category: Annuities, Articles, Retirement Planning
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. Using our independent insurance brokerage and the information below, you can take …
Category: Medicare Supplements, Retirement Planning
If you own or are considering investing in fixed-indexed annuities, it is important to understand how a point to point annuity sub-account works. In this post, we will discuss how these accounts operate and what investors can expect from them. Considered the most conservative of most indexed annuity investment options, point-to-point accounts are the least complicated. There …
Category: Annuities, Articles, Retirement Planning
Tags: point to point annuity, point to point indexed annuity
Category: Annuities, Articles, Retirement Planning
We have written extensively about the benefits and limitations of annuity income riders. There is a lot to learn about these accounts and we do our best to educate consumers online, over the phone and in person. The purpose of this article is to discuss some of the innovations with newer income riders. Not all are …
Category: Annuities, Articles, Retirement Planning
If you are in the workforce beyond age 65 and covered by your employer’s group health insurance coverage, it is important to be aware of your Medicare insurance options. There are a few common penalties (both monetary and temporal) that you might face should you miss your enrollment deadlines. Penalties and Medicare enrollment delays can easily be …
Category: Medicare Advantage, Medicare Supplements, Retirement Planning
It’s almost a new year which means changes to the Medicare Part A and B deductible amounts for 2012 are here. The Part A deductible is increasing by a nominal amount, but the Part B deductible is decreasing. You read that correctly, the Part B deductible is going down which means that some Medicare supplement insurance plans …
Category: Medicare Supplements, Retirement Planning
Category: Annuities, Articles, Long Term Care Insurance, Retirement Planning
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 …
Category: Annuities, Articles, Retirement Planning
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 …
Category: Articles, Long Term Care, Retirement Planning