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Disability Insurance

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Financial Security Now and Later: Are Your Bases Covered?

When you think about achieving a secure financial future, retirement savings and investments most likely come to mind. But while retirement savings protects our daily necessities and desired lifestyle tomorrow, what will protect your necessities and lifestyle today? Disability income insurance protects one's ability to earn an income - his or her most important financial asset - by guaranteeing monthly pay if one's ability to work is impaired by sickness or injury. Unfortunately, for many,... more

Long Term Care Insurance

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Buying Long Term Care Insurance

When you purchase a long-term care insurance (LTCI) policy you are entering into a contract with an insurance company. This contract is written in so- called plain English. And it is very important that you know the terms of the LTCI policy so you are not surprised later. One of the biggest problems with LTCI policies comes from two little words? 'and' and 'or.' They may appear to be used interchangeably in the LTCI policy. But in reality, each time you see one of those little words, they... more

Medical Insurance and Medicare

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Could the Affordable Care Act Improve the U.S.' Failing Health-Care Grade?

By James O'Brien. When it comes to the health care system in the United States, we might be closer to the end of unaffordable services and the barriers to access they create. But we're not out yet. A new report (link opens PDF) by the Commonwealth Fund, which has been assessing and ranking health care around the world for years in its Mirror Mirror on the Wall series, paints a grim picture for the U.S. Based on quality, effectiveness, access, efficiency, and equity, the rankings were as... more

Property and Liability Insurance

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NFIP Coverage Becoming a Bigger Concern for Property Owners and Investors

By Justin Stoltzfus. The National Flood Insurance Program, or NFIP, administered by the Federal Emergency Management Administration, has been in place for a long time as a way to help property owners hedge against flood risk. Now, more of those who have invested in real estate across the country are asking questions about their premium rates and what's likely to happen to them in the future. As federal agencies are careful to remind property owners, most private home-insurance policies... more

Life Insurance Basics

insurance-planning

How to Keep those Life Insurance Premiums Low

Have you ever thought about purchasing life insurance? Lately I've been doing research on life insurance and found out that the premiums people pay can vary greatly. Studies show that three fundamental factors that affect your premiums considerably: gender, age and smoking habits. In short, men pay more than women, older people pay more than younger people, and smokers pay more than non-smokers. But how much do each of these factors impact the premium that you'll pay? To find out, read more... more