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Yes, you should consider all of your options when turning age 65. However, if you have group insurance through work, you may be able to defer your Medicare and supplemental enrollments until retirement. Your group size matters here. When you enroll in Medicare Part B, consider secondary insurance too. You’ll want to supplement what Medicare …

November 10, 2006

Category: Medicare Supplements, Retirement Planning


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 with this medically underwritten annuity policy. Put another way, there is no annual cost …

June 29, 2006

Category: Annuities, Articles, Long Term Care Insurance, Retirement Planning