Insurance & Annuities
A lot of thought must be given to what you will need for your retirement and what life insurance you can afford. 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 Simple Annuity Explainer We Could Write” 20181214NYT
This is a good follow-up Ron Lieber’s 20181203 article.
“We Went to a Steak Dinner Annuity Pitch. The Salesman Wasn’t Pleased” 20181203NYT
This article may help prepare you for one of these “Dinners”.
“Dream Investment or Potential Nightmare?“20171001 AARP
“Fixed-index annuities are popular–but have problems”
“For a guaranteed income, try a plain-vanilla immediate or deferred annuity. It’s cheaper, and you’re not apt to be led astray.”
“Why Some Life Insurance Premiums Are Skyrocketing” 20160813 NYT
Universaal Life policies have been impacted as these policies are very sensitive to interest rates.
“Finally, Private Unemployment Insurance, But Will anyone Buy It?” 20160527 NYT
Coverage for a portion of the difference between your old salary and state unemployment benefits.
“Low Rates Are Tormenting Insurers- and Their Customers” 20160320 WSJ
Life-insurance companies Insurance companies are trying to adjust to low interest rates
“Annuities as an Alternative to Shaky Markets? Not So Fast” 20160129 NYT
“Despite all the support…among economists, there are good reasons for consumers to be wary.”
“Long-Term Care Insurance Baffle, With Complex Policies and Costs” 20151218 NYT
“…a universal problem that looms large, is hard to predict and will be costly to mitigate.”
“Supreme Court Upholds Obama’s Health-Law Subsidies” 20150625 WSJ
June 25, 2015 The Supreme court held that health insurance subsidies are available if the insurance is purchased through the federal exchange or a state-based exchange.
“Looking Out for Yourself With Disability Insurance” 20140912 NYT
This coverage replaces part of earned income that will be lost in the event of you are unable to work because of a disability.
“Using Immediate Annuities to Guarantee Retirement Income” 20140704WSJ
An informative discussion of a basic annuity and how it can be used.
“DOI Moves to Allow Consumers to Continue Current Coverage into 2014” IDOI20131122
“Optimal Annuitization with Stochastic Mortality Probabilities” 20130626CBO
This working paper suggests that “…it is not optimal for most households to annuitize any wealth”
