Being a life insurance agent is very rewarding, I get to meet people everyday and help them solve some areas of concern that they are having. Whether it's helping them put an income replacement plan in place or protecting Mom & Dad's money from nursing home costs. Some days, I am working with a family trying to get their student into college without spending all of their savings. Or meeting with a business owner, trying to find ways to attract & keep employees.
Research suggests that most Americans turning age 65 will need some form of assistance with everyday activities, known as long-term care, as they grow older. The amount of care needed will depend on many variables, including overall health, cognitive...
Recently, a close family friend emailed me about his long-term care insurance policy, expressing his frustration over yet another premium increase. Despite the rising cost, he still feels good about his decision to have a long-term care insurance pol...
Here’s something to think about -- the median cost for a year in a nursing home is about $82,000 a year, according to an industry survey. Most Americans over 65 will need some type of long-term care.
Long-term care insurance can help cover the...
In developing an allocation strategy for your investment assets, the first question to consider is: how willing are you to take investment risks in your retirement portfolio? If you are unwilling to take any risks whatsoever, then your investment all...
Buffer annuities, also known as structured or variable-indexed annuities, are starting to gain traction.
These products, a cross between indexed and variable annuities, have seen sales surge, as several other annuities have seen sales retreat....
When developing your long-term financial plan, consider annuities.
Annuities give you the opportunity for lifetime payments and tax-deferring earnings. The advisors at TW Group, Inc. can assist you in mapping out your retirement strategy and explain...
Buying health insurance for the first time can be a daunting task. The good news is that there is more financial assistance for health care coverage than ever before, and you can’t be denied coverage. The answers to some frequently asked questi...
Employee health benefits can have huge value, but you may not be taking full advantage of yours.
Here are three hacks that can help you get more out of what your company offers.
DRAIN YOUR FSA EARLY
Medical flexible spending accounts all...
Skydivers, cancer survivors and people convicted of drunken driving have something in common: They all might find an extra charge in their life insurance.
Your age, health, and smoking status are the factors that most affect your life insurance rate...
Term life and whole life are two popular variations of life insurance policies. While the basic idea of providing much-needed cash in the event of your death is the same, there are some big differences between the costs and benefits of each one. Here...