Should Long Term Disability Insurance be Part of your Financial Plan? Long term disability insurance is a coverage plan that pays you a percent of your salary while you are unable to earn income due to a disability. What would you do if you were injured and could not work? Would you be able to survive without an income? You may be able to draw from your savings for a while, but that could eventually leave you high and dry. Many...more
Inflation Protection: Why it should be added in your long term care insurance policy? Inflation is an economic term that refers to the increase in the prices of goods but the dollar amount remains or declines its value. This simply means the increase in the costs of living. The effect of this is that consumers would find the goods and services unaffordable. The government coined the Consumer Price Index as perimeter to determine...more
How to Determine the Right Long Term Care Insurance Benefit Period and Amount Most insurance for long term care features are flexible to meet the consumers' demand and budget. Two of the important features that can be customized are the benefit period and amount to help policyholders manage their resources and prepare for the costs of the premiums. Long Term Care Insurance Benefit PeriodThe "benefit period" simply means the period of time the benefits will pay for your coverage. Most policies offered throughout United States have the average period between two and three years, but they can be extended up to five or more years, depending on the person's needs. You may select the benefit period anywhere from two or even lifetime coverage. Seniors with cognitive disorders such as Alzheimer's or dementia may need five or more years of benefit period than those with just simple disability. Nevertheless, longer benefit period will eventually make premiums more exorbitant compared to shorter benefit period. Keep in mind that when you don't consume your entire monthly benefits, your benefits will stay in the pool and last longer than your expected benefit period. Insurance...more
Four Important Features of Long Term Care Insurance Many long term care insurance policies offer various bells and whistles and consumers look at them as hindrance when choosing the best features for their individual policies. Nevertheless, there are four important features in LTCi, and these are:Long Term Care Insurance Benefit...more
Life Insurance over 50- is it worth giving a chance? These are the common questions hovering over the mind of the people in their mid 30's.We get to know about so many policies about life insurance from newspapers ,magazines ,TV etc .We usually get confused after all these advertisements that which will be suitable for us. Plenty of...more
How to Save Over $500 a Year On Your Family Life Insurance Policies - A Micro Finance Focus Ensuring the well-being of our loved ones is definitely one of our top priorities. Accidents and serious troubles are just few of the things that we cannot get hold of. They are just simply inevitable and when it strikes, will surely sweep off the sanity of who'll be left. Such occurrence can be certainly avoided when you had done the initiative of getting an excellent life insurance policy. Why is that so? Because life insurance policy will give a secured financial net to your dependents when the time comes that you are unable to. However, it is also as crucial to make a thorough assessment on the different Family Life Insurance Policies that are available nowadays. You can do this gathering of data on the various insurance policies by getting your hands with those insurance quotes. Doing Some Hands-OnThese insurance quotes provide substantial information that will help you find the most befitting insurance policy. Through this quotes you will be able to figure out insurance strategies that gives you the most benefit for a cost which will suit perfectly to your personal...more
Lifestyle Insurance coverage Agents Lifestyle Insurance coverage AgentsTaking a existence insurance coverage policy is an essential item you ought to not forget within your existence. This may totally enable you to your dependents in...more
Community Action Agencies and the Importance of Care Providers Insurance What Are Community Action Agencies (CAAs)?Community Action Agencies (CAAs) are nonprofit private and public organizations established under the Economic...more
Stat Life insurance Life insurance for aircraft pilots has conventionally been pretty plain vanilla. insurance for pilots has been more luxurious than that for most people who have similar profession, and it's repeatedly been all...more
Bring In More Sales With Life Insurance Leads Life Insurance Leads are prospective clients, who ask for an insurance agent to help them in choosing a life insurance plan that is suitable to their requirements. Life Insurance Sales...more
Set Some Goals! YOU Can DO Anything That You Want With Today, And With The Rest Of YOUR Life! You can do whatever you want with YOUR life, you really can! Just ask Tony Robbins, Oprah, Dale Carnegie, or Wayne Dyer. Ask the guidance...more
Security is very important in order to safeguard our valuable assets. We are living in the world which is completely insecure. What is going to happen very next moment, we cant even guess. Each and everyday the newspaper carry news of burglary and...more