When you consider the growing number of people over 65 in the U.S., the declining popularity of long term care insurance seems troubling. To improve awareness of how this insurance can benefit people, October has been named Long-Term Care Planning Month. Here are ten reasons you might want to consider purchasing long-term care insurance, especially...
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Critical Illness Insurance Insures More than Just Your Health!
Dr. Marius Barnard, brother of pioneering heart surgeon Christiaan Barnard, introduced critical illness insurance in South Africa in 1983 after seeing the financial hardships costly medical treatments caused his patients. He reportedly said that, as a doctor, he could repair man’s body but only an insurer could repair his finances. Since its introduction in 1983,...
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Is an Annuity a Good Retirement Investment?
Do annuities belong in your retirement portfolio? If you’re looking for a guaranteed revenue stream, consider the following pros and cons to decide if an annuity is a good investment for your retirement portfolio. When you buy an annuity, you’re buying an investment that provides regular payments over time. The annuity buyer (the annuitant) makes...
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How Do You Rate a Healthcare Provider?
Before buying something online, you can check reviews from previous purchasers. But when you buy healthcare services, where do you turn for pricing and quality information? How do you rate a healthcare provider? Why Information Matters High-deductible health plans are supposed to encourage medical competition by giving consumers financial incentives to seek the most cost-effective,...
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Six Tips For Avoiding Medical Identity Theft
Like financial identity theft, medical identity theft can leave you responsible for bills you did not incur. But unlike other types of identity theft, it can also affect your medical records, jeopardizing your health. It could even jeopardize your health insurance coverage. Medical identity theft occurs when another person uses your identity or insurance information...
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The Most Important Life Insurance Terms Explained
If you find life insurance shopping confusing, you’re not alone. A new study calls 19 million Americans “stuck shoppers” of life insurance, because they believe life insurance is valuable and necessary, but they find shopping for it confusing and overwhelming. The joint study, by insurance trade organization LIMRA and Maddock Douglas Research, lays the blame...
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10 Things You Need to Know About the Affordable Care Act
Unless you are one of a very small percentage of Americans, the law applies to you. Here’s what you need to know. The “individual mandate” probably applies to you. Legal residents of the U.S. must maintain “minimum essential” health insurance or pay a penalty. The individual mandate applies to people of all ages, including children....
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Is Mortgage Insurance a Good Deal?
If you’ve recently taken out a mortgage, refinance loan or home equity loan, you have probably received a solicitation for a mortgage insurance. Do you need it? About 22 percent of people who take out a consumer loan, such as mortgage or credit card, buy mortgage or credit insurance. This is a form of life...
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Save Up to $1.1 Million with an HSA
Opening a health savings account (HSA) now can help you enjoy a comfortable retirement. How? A health savings account lets you contribute pre-tax dollars into an interest-bearing account. If you let funds accumulate, you can use them to pay for medical expenses during retirement, when your medical costs will likely be higher. The Employee Benefit...
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How AD&D Insurance Fills a Coverage Gap
You probably have health insurance to protect yourself from catastrophic medical expenses, life insurance to protect your family from the loss of your salary, and disability income coverage to replace income lost due to disability. So which of these policies will cover you if you lose a limb, sight or hearing in an accident? You...
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