by Laurel | Feb 17, 2019 | Income during retirement, Income Rider, Indexed Annuity, Insurance and Retirement Planning, Multi-Year Guarantee, MYGA, Preservation of Capital, Qualified Retirement, Retirement, Retirement Income, Retirement Planning, RMD
A lot of confusion and hype floats around about Fixed Indexed Annuities (FIAs). A lot of financial advisors have given the term “annuity” a bad name. The word annuity implies “insurance” and, to me , therefore should not be tied directly to...
by Laurel | Feb 16, 2019 | Home Health Care, Medicare Advantage Plans/Medicare Part C, Medicare Part A, Medicare Part B, Medicare Part D, Medicare Prescription Drug plans, Medigap/Medicare supplement, Retirement
As you approach turning age 65, your mailbox becomes inundated with Medicare Information from various carriers and agencies. This feels like a huge and complicated decision. It’s not, nor should it feel so. Here are some simple tips you should know: Your open...
by Laurel | Feb 5, 2019 | Home Health Care, Income Rider, Long Term Care insurance, Medicaid, Medicare Advantage Plans/Medicare Part C, Medicare Part A, Medicare Part B, Medigap/Medicare supplement
Three-quarters of Americans—75%—say they don’t currently have long-term care (LTC) insurance, and more than half (53%) of those who don’t say it’s too expensive. A survey conducted online by Harris Poll on behalf of OneAmerica® in August asked 2,065 adults age 18 and...
by Laurel | Feb 5, 2019 | Home Health Care, Long Term Care insurance, Medicaid, Medicare Advantage Plans/Medicare Part C, Medicare Part A, Medicare Part B, Medigap/Medicare supplement
More than half of Americans – 55 percent – mistakenly believe health insurance or Medicare will pay for assistance with daily living due to illness or injury for an extended period of time. A recent survey1 conducted online by Harris Poll on behalf of OneAmerica®...
by Laurel | Jan 22, 2019 | Dental Insurance, Income during retirement, Income Rider, Indexed Annuity, Insurance and Retirement Planning, Medigap/Medicare supplement, Multi-Year Guarantee, MYGA, Preservation of Capital, Retirement, Retirement Income, Retirement Planning
If you want to have a good retirement, you need to figure out what that means to you. Do some life planning for retirement, set goals and create a plan that allows you to achieve exactly what you want. What do most of us want? It is usually pretty simple a: Happy...
by Laurel | Dec 27, 2018 | Income Rider, Indexed Annuity, Insurance and Retirement Planning, Multi-Year Guarantee, MYGA, Preservation of Capital
AT WHAT AGE SHOULD YOU PURCHASE AN INDEXED ANNUITY? The great thing about fixed indexed annuities is that they are a reliable retirement planning vehicle appropriate for people in a variety of life stages. However, there are a few rules of thumb to follow when...
by Laurel | Dec 27, 2018 | Life Insurance
Insurance can be confusing and it’s hard to know what you really need or want. But here are five very good reasons why you need life insurance. As we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is...
by Laurel | Dec 17, 2018 | Medicare Advantage Plans/Medicare Part C, Medicare Part A, Medicare Part B, Medicare Part D, Medicare Prescription Drug plans, Medigap/Medicare supplement
President Donald Trump on Thursday unveiled a plan to overhaul how Medicare pays for certain drugs, attacking “foreign freeloaders” that he says have driven up costs in the U.S. The bold move addresses a Trump campaign pledge to lower drug prices, just days before the...
by Laurel | Nov 12, 2018 | Income Rider, Long Term Care insurance, Preservation of Capital
This graph paints a grim reality. There is a 50/50 Chance you will need Long Term Care during your life time! That said, the graph illustrates the average lengths of time by demographic A 50-50 likelihood you’ll use your policy is enormously high. That’s...
by Laurel | Nov 12, 2018 | Dental Insurance
Most dental insurance plans available today require a waiting period before benefits for any services — whether basic, preventive, or major — begin. But Medico’s Dental, Vision, and Hearing (DVH) plan is different. There is no waiting period for...
