Do you have a family? Have you always been wanting to take care of them even if you're no longer with them? You're not alone, and it's good to know that you have such a generous heart. But unless you do something right now, you won't be able to fulfill that dream. What you need is a life insurance policy.Majority of the people admit that they need something to guarantee their future, or perhaps the continuity of...more
Why should I buy long-term care insurance? This is probably one of the issues bickered by most adults as they approach their mid 40s or 50s. Most people are uncertain of buying long-term care insurance; they would rather invest on car and real estate than on costly LTC premiums. Long-term care insurance can be expensive, but it is the best investment youll need to continue a dignified life as you age.Buying long-term care secures your...more
The success of long-term care depends on the strength of your insurance provider. Long-term care insurance is seriously expensive, so youd better not risk your lifetime savings on a company that will shut down or go bankrupt in the future. Its important to keep a keen eye and conduct background check on your potential insurer to prevent the worst financial decision youll make in your entire life. Financial Strength and Size are CrucialThe first two factors that you should look at a company are its strength and size. Small, poorly rated companies selling only two or three types of insurance, including LTCi are not the ones to trust and are the most vulnerable to economic loss. Companies with limited experience dont have actuarial guidelines for the premium reserved for claims 20 to 30 years from now. A large company with sufficient reserves will be able to pursue its service to claimants despite of unfavorable claims conditions. Otherwise, a small, poorly rated company has little chance of surviving the test of claims.Another reason for considering the strength and size is the current market environment. The current market is not large enough to favor all insurance companies. The...more
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Many people are confused of whether or not to get long-term care insurance. Most people think that they wont need such insurance since they have personal savings to cover the costs, unaware of the drawbacks that could fall on their finances and lifestyle. Here are some of the FAQs you need to know about long- term care insurance:Who needs long-term...more
Inflation protection is one of the most important features of long term care insurance. Without inflation protection, the current value of the benefit will reduce its buying power in future dollars. For instance, the current rate of $100 for daily benefit would only have the buying power of $55 at 3% inflation. Twenty years from now, a 5% annual inflation affixed on $100 would be equivalent to $38 in todays dollars.The main problem is: What inflation rate should we expect over the next 20 or 30 years? During 1970s and 1980s the costs of inflation rose to almost 10 percent annually. In the past decades, the cost rose to about 3 percent. Long term care services have higher inflation rate because the medical costs and services have been ascending at much aggressive rate than the core inflation rate.A lot of companies nowadays are selling modern LTC policies that offer services known as the homemaker services. The services involved in these policies not only focus on daily activities (bathing, walking, etc.) but on other activities such as shopping, laundry, housekeeping, and companionship. Since these services are not medically related, they should increase in cost closer to the core...more
Dear Friends!Surely you have many desires in life! And I believe that each of us always wanted a comfortable life, comfortable and relaxed! Please begin working with us, you will gradually make it all just a short time after 1 week.You...more
Do you know why life insurance is important? The answer is simple; life insurance is a security blanket for the family. During this financial crisis, some people are choosing to keep up payments on their life insurance even as they delay payments for...more
If you are currently paying a high premium for a life insurance policy and you are thinking about letting your policy lapse, you should reconsider and think about a life settlement. Like most of us, many times, our needs change as time...more
Using the internet is by far the best way for you to find a wide range of life insurance quotes, from potentially thousands of different companies. Youd be amazed how quickly you can browse through dozens of different quotes, looking at the price and...more
Tips for best life insurance rate are not easy to find, especially from people that understand the business and are willing to share their knowledge. As a life insurance is made by your shape as customer so are the following tips we offer you as...more
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