In the News: Technology Incentives for Purchasing Policies
USA Today released an article about a new trend of insurance providers offering discounted technology when you purchase a policy. They specifically referenced John Hancock, offering Apple Watches for $25 when you enroll in a life insurance policy. Under the stipulation that you exercise regularly for two years, then you can keep the device, and if not you will be required to pay for the watch in installments. That’s a hefty price to pay if you don’t meet your exercise goal. Apple Watches can run from around $300 and up.
They said that Apple has started to partner with insurance[…]
Policies that Benefit Your Family
When you have a family that you could potentially be leaving behind. You want to make sure you and your loved ones will be protected and you are receiving the optimal benefits.
Luckily, there is an option to combine long term care and and life insurance that can give you long term care, but also give you the option to leave your unused funds to your loved ones. These policies are called hybrid policies and are a great way to combine two policies for you and the benefit of your family. Because they offer[…]
Long Term Care – Why You Need It.
Do you have an extra $80,000/year to spend post retirement? Statistics show that this is the average cost of long term care. Most people are unable to afford such a hefty price, but even more so, are unaware of how expensive it can be. Whether it’s you or your loved ones who are unsure of whether you should enroll in a long term care policy, you should be aware of the money you would be spending without it.
Most people will need long term care once they reach the age of 65. The prices are rising and many people are unable[…]
Long Term Care Decisions
Thinking about deciding on a policy that best suits you? It’s a lot easier than it sounds. Many people either don’t know the facts or are unaware of the major costs of long term care. Even if you have a great retirement plan, it can’t save you from the high expenses of long term care.
Long term care is extremely important because if you get to a certain point where you need assistance in bathing, getting dressed and preparing meals, they are there to help you. Life is very unexpected and as of right now long term care is averaging at[…]
Secure Your Future
It’s never too early to start planning for your future. With all of the changes with medicaid and medicare, you can’t rely on just that to cover all of your expenses post-retirement. Especially because you don’t know what the future holds and if you will need long-term care or not.
The cost of long-term care can be expensive – but by not having a policy in place you are putting your health and finances at risk. Paying a small amount over time to ensure your future well being is a small price to pay[…]
When is the RIGHT time to invest in your LTC Policy?
Expenses can be a huge stressor in life. The last thing many people want to do is purchase an insurance policy that will add to their list of bills and expenses. However, many of those people will end up having to shell out much of their life savings just to afford a portion of their long-term care, and many will outlive their savings. Unfortunately, this is the reality of the matter, but there are ways to find affordable care and not reach a point of financial havoc, and most of this has to do with timing.
A common misconception is that[…]
Reviews of each company’s financial stability ratings, claims experience, and size.
A side-by-side comparison of each company’s policy features. We cover the similarities and the differences.
Price comparisons customized to suit your specific needs from top carriers such as Nationwide, Thrivent, New York Life, National Guardian Life, Mutual of Omaha, and more.