A variable annuity is a type of annuity that resembles a mutual fund. A variable annuity provides a consumer with some of the safety that a regular annuity provides, but offers a rate of return that can vary dependent on what happens in the market.
Your Insurance Advisor: Insurance Articles, Advice & News
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Fixed Annuities: What is a Fixed Annuity?
May 19th, 2010 by Your Insurance Advisor The fixed annuity is similar to a bank CD or Certificate of Deposit. The fixed annuity buyer is assured a guaranteed rate of return for a specific period of time, or term. In the majority of cases, the longer the term, the higher the rate of return.
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Auto Accident Insurance Claims Settlement Secrets
May 18th, 2010 by Your Insurance Advisor Knowing how insurance companies process auto accident insurance claims can make the difference between receiving the minimum amount or receiving thousands of dollars more for your auto accident insurance claim. Learn what you need to know to get the most for your auto accident insurance claim.
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Annuities: What is an Annuity?
May 17th, 2010 by Your Insurance Advisor An annuity is an insurance product that helps consumers protect themselves against living too long. In effect, it works as the opposite of a life insurance policy which protects you from living too little. An annuity guarantees the annuity owner a fixed amount of income for as long as they live.
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Some Thoughts on Planning For the Long Term
May 6th, 2010 by Your Insurance Advisor A growing concern for many Americans, especially Boomers, but also Americans in other generational groups, as well, is long term care. Long Term Care is vital because as a society we are living a lot longer than in the past. Recent advances in medical care and the treatment of disease and illness have advanced much [...]
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Managing Your Money & Managing Risk
May 6th, 2010 by Your Insurance Advisor What’s the difference between a successful investor and a failed investor? It’s not being able to always pick the winners to invest in, even though that comes in a close second. Having that ability would be nice, however, even that would not always guarantee success as an investor. No, success as an investor really depends [...]
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How much disability insurance coverage do I need?
May 1st, 2010 by Your Insurance Advisor In a recent post about disability insurance coverage, we discussed how to determine what amount of disability insurance to buy? Today, we’ll take a look at a quick and easy method to estimate the amount of money needed (as an amount of disability insurance coverage) as accurately as possible. The most effective and accurate way [...]
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Real Estate Buyer’s Guide to Investment Property Repairs
May 1st, 2010 by Your Insurance Advisor A Foreclosure Buyer’s Guide to Property Repairs By Rick Sharga, Vice President of Marketing for RealtyTrac One of the most overlooked and underestimated expenses involved in the purchase of a home is the cost of repairs. Whether the problem is a defective part in an appliance, a structural problem overlooked by the home inspector or [...]
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Big Government’s Coming to LTC?
April 30th, 2010 by Your Insurance Advisor The National Academy for State Health Policy has recently released a report on the new changes and provisions in the Patient Protection and Affordable Care Act which will affect Long Term Care (LTC) insurance for America’s seniors. Some of the “enhancements” found in these new changes are designed to help seniors avoid nursing homes, coordinate [...]
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Fraud in the Health Care System
April 30th, 2010 by Your Insurance Advisor One good benefit coming from all of the attention being paid to health care reform is the attention being paid to fraud in the medical health care community, much of it perpetrated by health care providers. Many people oppose the reforms fearing a turn to socialist policies by the government. Where there is controversy, however, [...]
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