Medicare Supplement Discounts
When shopping for Medicare supplement plans, it’s important to know many providers offer spousal and/or household discounts for married applicants – or those who share a residence. These discounts usually range from 5-12% depending on the insurance company guidelines. There are several providers offering supplemental premium discounts to those who qualify. AARP United Healthcare, Aetna, Anthem Blue …
January 26, 2016
Category: Articles, Medicare Supplements
Should I Buy An Annuity?
It depends who you ask. For those selling annuities, the answer is usually yes. For those who only sell competing accounts like stocks, bonds and mutual funds – the answer is almost always no. Most everyone has some skin in the game and they’ll work hard to make the case for their products over others. …
January 18, 2016
Category: Annuities, Articles, Retirement Planning
Qualified Longevity Annuity Contracts
Qualified longevity annuity contracts (QLACs) are popular retirement vehicles for those who want to create a deferred income stream later in life using pre-tax dollars. Longevity contracts were approved by the IRS in June of 2014 and offer very attractive tax reduction strategies. Many institutions offer these plans, but insurance companies are uniquely suited to …
May 27, 2015
Category: Annuities, Articles, Retirement Planning
An Indexed Hybrid Long Term Care Annuity
If there is a knock against fixed annuity accounts lately, it’s low interest rates. The Federal Reserve has kept rates low for several years to spur economic growth. In turn, the stock market has provided much higher returns than most fixed interest investments. In response to the overall economic climate, State Life has issued the …
January 15, 2015
Category: Annuities, Articles, Long Term Care Insurance
Which Is Better – A Hybrid LTC Annuity or Hybrid Life Insurance Plan?
It’s an interesting question. In our experience offering hybrid long term care coverage, the answer is: It depends. Some of our clients will benefit more from an annuity and others from a hybrid life insurance plan. We will discuss the pros and cons of each below. Some of the answer can also be found in your …
June 11, 2014
Category: Annuities, Articles, Long Term Care Insurance, Retirement Planning
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Hyers and Associates, Inc :: 240 Collins Avenue :: Suite 2 Columbus :: Ohio 43215
BBB Accredited Business Since 2006
Hyers and Associates, Inc :: 240 Collins Avenue :: Suite 2 Columbus :: Ohio 43215
BBB Accredited Business Since 2006
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