If you’re exploring annuity options or considering the purchase of a fixed annuity, you’ll certainly want to do your homework. Annuity rates can vary dramatically from one annuity to the next. And, in addition to the stated annuity rate, the... Read more
Doing research is integral when making any type of big purchase. You wouldn’t blindly purchase the first mortgage offered to you, or buy the first car that you see. Researching a product before buying helps to provide you with confidence... Read more
Annuity calculators can be found all over the internet. Most insurance companies and online annuity marketers offer some version of an annuity calculator on their website. These online tools make it easier to approximate how much your annuity will be... Read more
Annuities offer many options for retirees and pre-retirees to increase their retirement savings and guarantee retirement income that cannot be outlived. But all of those options can become confusing, and many people have difficulty understanding their annuity choices. The main... Read more
What Are the Basic Types of Life Insurance? One of the best ways to protect against the financial consequences of a primary wage earner’s premature death is life insurance. However, only about 6 out of 10 Americans actually own life... Read more
How Likely Am I to Need Long-Term Care? If you were to suffer an illness or disability that required long-term nursing care, would you be covered? Maybe not. The vast majority of Americans go through their lives reassuring themselves that... Read more
What Does Medicare Cover? Medicare is the federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a “safety net” of health-care coverage for qualifying individuals. Medicare is packaged in two major... Read more
Am I Prepared for Long-Term Care Expenses? In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won’t ever need it. Unfortunately, in the event that you... Read more
How Can I Determine the Financial Strength of My Insurance Company? How do you compare life insurance companies? What features do you examine? What criteria do you use? How do you know what to look for? Making sure that your... Read more
What Is the Difference Between an HMO and a PPO? Selecting health insurance is often one of the most important decisions you will make. Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are types of managed health-care plans and... Read more
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