Category: Uncategorized

High interest rates can be a tricky business to navigate. They tend to correlate with higher costs, which no one enjoys. Additionally, high interest rates are associated with a lower demand for housing. Yet, what benefits can increased interest rates have for potential insurance buyers? The pros of high interest rates for potential insurance buyers…

The insurance industry today is going through several innovations in order to remain relevant and continue to provide products that appeal to prospective buyers. Specifically, the Life Insurance, Long-Term Care and even the Disability Insurance companies are having to innovate in order to be competitive and make it easier for a client to purchase a…

More than 60 percent of those who purchase long-term care policies want to avoid becoming a burden on their family, while more than 45 percent of purchasers had a goal of protecting their assets. Long-termcare insurance is becoming an integral part of a family’s financial plan. However, with more consumers keeping their long-term care policies…

On the scale of available financial products, there are higher risk products with potential for higher returns on one side and products with lower risk, lower returns on the other. With the higher risk options there is the potential of losing not only returns but principal as well. The lower risk returns alsohave challenges in…

While it can be a monotonous experience, getting a life insurance policy is often an essential task to ensure that your most valuable assets, family and business, are protected. Permanent life insurance, with cash values, can be an aid to handling the risks that life poses. However, what if the policy you currently own is…

While it can be a monotonous experience, getting a life insurance policy is often an essential task to ensure that your most valuable assets, family and business, are protected. Permanent life insurance, with cash values, can be an aid to handling the risks that life poses. However, what if the policy you currently own is…

OverviewThe prolonged low-interest rate environment has created results in traditional fixed income instruments that most clients do not find attractive. Historical approaches to achieving a good return on “safe” money are very difficult these days. Many clients and advisors have resorted to thinking that if you just hang on long enough, the ship will be…

A long-term care policy holds tremendous value. Reaping the benefits of a policy can be key to maintaining independence and dignity in the face of uncertain circumstances. Additionally, having a policy can bring peace of mind due to the clarity of service options and providers available in a specific area from the insurance company. Picture…

Esteemed industrialist and philanthropist Andrew Carnegie famously divided life into three phases. The first phase involves education and integration into the world. Phase two is spent making money and providing for oneself and their family. The final phase is for giving away all that one has made to their loved ones. If you happen to…