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.
Your Insurance Advisor: Insurance Articles, Advice & News
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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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The eight traits good investors share at Businessie.com
April 30th, 2010 by Your Insurance Advisor Businessie.com, a blog about starting your own small business, published this article about the eight traits of a good investor. It’s got some good ideas, and is worth a read… The 8 Traits Good Investors Share Published at Businessie.com There are eight traits that most good investors share. These traits make it easy for them [...]
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How can I determine how much disability insurance I need?
April 29th, 2010 by Your Insurance Advisor The goal of buying long term disability insurance is to make sure that if a disability occurs, you and your family will have enough financial resources to maintain your family’s lifestyle without having to make drastic changes. You’ll need to make some adjustments of course, but the goals is to ensure that those adjustments do [...]
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Why is the impact of disability worse than death?
April 28th, 2010 by Your Insurance Advisor Disability is the inability to earn a living (this means working for most of us) due to illness or injury. Long term disability results from this type of condition existing for a period of three months or longer. The longer the period of disability, the harder it becomes financially for the disabled, and his or her family.
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