Reader Questions Term Versus Universal Life
Call me old-fashioned, but I believe as a husband and father it’s my responsibility to provide for my wife and children should I die prematurely. Life insurance is the best way to meet this need, but many people get confused when buying life insurance. A recent email from a reader will help clear up this confusion.
 

Understanding Long Term Care Insurance
Today’s seniors are living longer than ever, but as life spans increase, so do the needs for additional care. The majority of today’s retirees will need some form of special care as they age, whether that help is delivered in their own residence, in an assisted living facility or at a nursing home. The cost of such care is skyrocketing and many find they are unable to afford it.
 

Long-Term Nightmare
Recent legislation in Congress may make it even more difficult for seniors to qualify for government-paid long-term care coverage. If you don’t take action now, you may be setting you and your family up for a Long Term Nightmare!
 

When Your Life Insurance Is A Pot Of Gold
Don’t cancel your life insurance policy without reading this first! Depending on your situation, you may be losing tens of thousands of dollars if you do. If you have a life insurance policy that you no longer can afford or need, consider selling the policy. Read on to find out how.
 

Life Insurance: Too Much, Too Little or Just Right?
The thought that you may not need life insurance is anathema to most life insurance agents. But as a Certified Financial Planner who is also a life insurance agent, I have a different point of view. There are times when you may not need life insurance.

Inaccurate Medical History Can Give You A Heart Attack
You may be paying too much for health, life or long-term care insurance! I know because a life insurance company recently tried to charge me double.

The Real Reason For Long-Term Care Insurance
My mother-in-law recently passed away after a long and courageous battle with cancer. Throughout her battle, our family had to deal with many emotional and legal issues. Over the next couple weeks, I’ll be discussing these in more detail in the hope that you and your loved ones will be prepared for life’s difficulties.

HIPPA Headaches
Don’t you just love government red tape? This time the bureaucratic process has given us a real doozy—it’s called the Health Insurance Portability and Accountability Act or HIPAA for short. And the unintended affects of HIPPA could have a dramatic effect on you.

Don’t Let Health Care Costs Hijack Your Retirement
One of the greatest financial challenges faced by today’s retirees is the rising cost of health care. Prescriptions, insurance premiums, doctor’s office visits and hospital stays are all increasing more rapidly than inflation. Whether you’re in your golden years or fast approaching them, you must take a serious look at how health care costs will affect your retirement nest egg.

Drunk Driver Ruins Financial Future
Clyde and Claudette’s financial future is now ruined! Make sure it doesn’t happen to you. These tips will help you protect yourself from the time-bomb that devastated them.  I talked with Clyde and his wife, Claudette, recently. In fact, Clyde brought his son to one of my popular financial seminars so he could learn to avoid the mistakes his father had made.