Insurance & Annuities
A lot of thought must be given to what you will need for your retirement and what life insurance you can afford now. Your retirement goes much easier when you’ve planned ahead with the right savings and investments. You are going to be responsible for yourself and your future, so make sure it’s enjoyable by preparing for your retirement ahead of time.
The Long-Term Care Dilemma_Insureres Leaving, Premiums Increasing
“Weighing a variable annuity” 20111227CT
This article helps the reader determine if it is time to terminate an annuity policy. It discusses; holding the policy, exchanging the policy and surrendering the policy.
“Are You owed Life Insurance?” 20111230WSJ
This article gives the reader tips on how to identify if they are owed money as a beneficiary of a life insurance policy.
“Some Long-Term-Care Insurance is Better than None” 20111228SM
Some coverage maybe better than none. Any coverage should be consistent with your financial planning.
“When to skip your employer’s health plan” 20111109R
Informative discussion of times when buying your own coverage makes sense.
“Shaken by Market, Investors Look To Get Whole Through Insurance“ 20111206WSJ
You should understand why you are purchasing life insurance and how it fits your individual circumstances.
“Restyled Annuities Offer Fewer Choices” 20111007WSJ
Among other things this article highlights of current changes being made to variable annuities. Generally the changes reduce the number of investment choices, reduce the guaranties and increase fees.
“Is Disability Coverage a Buy?” 20111105WSJ
This article discusses 5 myths to help the reader determine if they should buy disability insurance.
“Don’t Buy Too Much Insurance!” 2011108WSJ
A good discussion about how to consider when insurance should be purchased.
“Irene: Are You Covered? 20110827WSJ
Periodically you should check your insurance coverage. Be sure to check your covrage for wind and flood damage. Even if you have the coverage, see if the deductibles and maximums are still appropriate.
“How to use Annuities for Retirement Income” 20110802USN
This a general discussion of types of annuities.
“Is It Time to Buy an Annuity?” 20110514 WSJ
Because payouts are near multi-year lows it is important to determine the best alternative for your individual situation.
“Is Your Life Sufficiently Insured?” 20110316 CR
There are many reasons why your life insurance coverage should be reviewed and updated.
“Would You Buy a Life-Insurance Policy From This Machine?” 20110312 WSJ
The trend to use online application and underwriting may not result in lower costs for term-life insurance.
“Making the Case To Buy an Annuity” 20110308 WSJ
Some combination of different types of annuities and mutual funds may provide more security in retirement.
“Make Sure Your Valentine’s Jewels Are Insured” 20110214 K
What you need to know when buying a floater to protect you from a loss of your valuables.
“The Latest Long-Term-Care Snafu” 2010121WSJ
It is important to read and understand your policy. The provisions that should be read include: whether a hospital stay is requied, if a hospital stay is required is there a specified time period; waiting period; how the waiting period is measured; definition of caregiver; definition of assisted living.
“Be sure you understand that annuity before buying” 20101212CT
This article summarizes some key terms and some drawbacks of annuities. Annuities can be appropriate whe it fit the individuals’ circumstances.
FINRA ALERT “Seniors Beware: What You Should Know About Life Settlements”
FINRA ALERT “Reverse Mortgages: Avoiding a Reversal of Fortune”
“Congress Overhauls Your Portfolio” 20100717 WSJ
This is a summary highlighting some changes that impact: Mutual Funds, Retirement Plans, Hedge Funds and other private investments, Individual stocks, Derivatives, and Brokerage accounts.
“Juicing Your Life Insurance” 20100605 WSJ
Trip insurance – “To buy or not” 20100523 CT
“Redesigned Annuities Abound” [Variable Annuities] 20100102 WSJ
