Hybrid/asset based/linked benefit long-term care insurance These three names are often used interchangeably for the same type of long-term care insurance and can confuse people! So what does it mean? […]
Traditional long term care insurance policies are built as stand alone, pure risk based insurance. These policies pay benefits when you are in a qualifying long-term care situation and you […]
Long-term care costs rise each year and inevitably will continue to, so it’s important to understand how you can leverage your insurance and use the power of inflation protection. […]
You may be able to self-fund your care costs, but why would you when you can transfer the risk to the insurance company? Here are 6 main reasons why long-term […]
Planning for long term care is crucial. There’s not a “one size fits all” solution for each person or family, but a plan should be put in place ahead of […]
Long-term care insurance (LTCI) is more than a tax-free stream of income to help pay for care costs. You also get access to professionals – case managers, care coordinators, and […]
Group life insurance is a great perk for employees of a company, but what happens if you leave or get fired? That’s where portability and conversion come into play. Portability […]
What is disability insurance? Disability insurance provides partial income so you can pay your bills if you get too sick or injured to work. It’s simply income or paycheck protection. […]
What is an independent insurance agent? Independent agents are independent of any one insurance company. Unlike a captive or direct insurance company, who only offers their own proprietary products, we […]
Business Overhead Expense insurance, also known as BOE, is disability insurance that pays monthly payments to cover business expenses so your business can continue to operate smoothly if you become […]
