Insurance for Seniors
Retirement Watch highlights how to choose and manage insurance options courtesy of guru Bob Carlson
Found 64 Articles.
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Stop Overpaying and Underinsuring
Successful Americans are paying too much for insurance yet don’t have enough cover-age. Those are the findings of a recent survey from ACE Pri-vate Risk Services. The problem actually is worse than the 2010 survey. It’s easy to see how the situation developed. Most successful people didn’t start that way. In their young adult years […]
Covering the Overlooked Income Risk
At the bottom of the list of insurance policies most people consider is disability insurance. It’s the last policy people buy and the first they cut when cash becomes tight. Yet, disability insurance is essential for a package of complete protection, and at many ages you’re more likely to need it than other types of […]
Defusing Time Bombs in Universal Life Insurance
Your permanent life insurance policy could be a ticking bomb. The Federal Reserve’s zero interest rate policy increases the likelihood the bomb will explode soon if it hasn’t already, costing you thousands of dollars. Owners of universal life insurance policies face this risk. There are two main types of permanent life insurance. Traditional whole life […]
Avoiding Hidden Threats to Your Security
Some of the most serious threats to financial independence are often over-looked. Yet, a few simple, actions can avoid large losses from these risks. In addition, you can reduce substantially your out-of-pocket expenses when you pay attention to these neglected issues. The sad fact is that the insurance coverage for most people is wrong. People […]
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Life Insurance as Savings and Investment
Investors are pouring money into an old investment: life insurance. That’s right. Life insurance can be an investment. Before interest rates were deregulated a few decades ago, life insurance and passbook savings accounts at the local bank were a major vehicle for saving and investing for many people. It became less popular after money market […]
Your Life Insurance Windfall on Death
One of the problems with many estates is the records are incomplete or unorganized. The executor and beneficiaries often don’t find out about all the assets available to them. One ripe source of unclaimed benefits is life insurance. Some estimate that there is $1 billion in unclaimed life insurance benefits. Many of the policy benefits […]
The New Looks in Homeowners’ Policies
Homeowner’s insurance is under-going major changes. You can’t take for granted important details about your homeowner’s insurance policy, and you can expect premium increases soon and probably over the next few years. The good news is you could receive a much higher level of service at little additional cost. Insurers are under a lot of […]
Re-Evaluating Your Life Insurance
Many people are reconsidering their life insurance coverage. The new estate tax law and low interest rates change the equation for many people. But don’t make a quick decision. Make a careful review with your estate planner. Most permanent life insurance was purchased to help pay estate taxes. The 2010 tax law moves many estates […]
