by Laurel | Dec 12, 2019 | Medicare Advantage Plans/Medicare Part C
Short Answer: Yes, you can still dis-enroll from your Medicare Advantage after the Annual Election Period (October is 15-December 7) but you still have to qualify for Medicare Supplement by answering health questions… so you might run a risk of not getting...
by Laurel | Dec 12, 2019 | Retirement, Retirement Planning
Most professionals would all be on the same page that it is rarely a good idea to take an early withdrawal from a traditional or Roth IRA. Mainly due to the substantial cost an early withdraw can cost (not to mention losing out on years of potential earnings). Early...
by Laurel | Dec 5, 2019 | Life Insurance
A collateral assignment of life insurance is a conditional assignment appointing a lender as the primary beneficiary of a death benefit to use as collateral for a loan. If the borrower is unable to pay, the lender can cash in the life insurance policy and recover what...
by Laurel | Dec 5, 2019 | Retirement Planning
Wealthy clients looking to use life insurance in their estate plans may find that funding their policies with a loan makes sense, especially as interest rates are still relatively low. The goal is to exploit low interest rates to get a cheap loan, which funds premium...
by Laurel | Dec 5, 2019 | Income during retirement, Retirement
Life Insurance in Retirement Most people think of life insurance in terms of the financial benefits it provides to relatives when you die. But many don’t realize that you can often use it to your advantage even sooner. Certain types of life insurance policies can be...
by Laurel | Nov 21, 2019 | Annuities, CD alternative, Financial products, Income Rider, Indexed Annuity, Insurance and Retirement Planning, MYGA
Annuities are a good investment if you are buying them for the right reasons. You can buy annuities for safety, long-term growth, or income. For example, a fixed multi-year guarantee annuity might make an attractive alternative to a CD; variable annuity might be...
by Laurel | Nov 8, 2019 | Client Spot Lights
Beau is one of the most thorough, diligent, and fun person we have ever met. He explained everything we were considering and even took unnecessary things off the table we had been considering. Highly recommended. Tom and Elaine a successful boutique real estate in...
by Laurel | Nov 1, 2019 | Client Spot Lights
I met Beau when he first moved to Hendersonville in 2010. I have done business with him ever since. I have trust and confidence in what he does. He always acts in the utmost integrity for his clients. He has always done annual reviews for us to ensure we were...
by Laurel | Oct 30, 2019 | Medicare Advantage Plans/Medicare Part C, Medicare Part A, Medicare Part B, Medicare Part D, Medicare Prescription Drug plans
Insurance agents/advisors are prohibited by law from using aggressive or deceptive sales practices to lure seniors into buying insurance policies… but that doesn’t mean it doesn’t happen. Below is a list of things insurance agents cannot do. Illegal and...
by Laurel | Oct 8, 2019 | Client Spot Lights
“Mr Singletary has been the best insurance and financial advisor we have experienced. He is always looking for the most cost effective insurance he can find for us. We also trust him with our retirement.” Silver is a well known figure in the community of...
