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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Profiting From “Excess” Annuities and Cash Value Life Insurance
Many of you own annuities or cash value life insurance that no longer fit your needs. They were good ideas when you bought them. But times have changed, and so have your needs. Fortunately, there are strategies you can use to enhance the value of these policies to you. Let’s look at a creative strategy […]
7 Shrewd Insurance-Buying Tips
Insurance mistakes can be among the most expensive financial mistakes. Own too much insurance or the wrong insurance, and each year you’ll pay hundreds or thousands of dollars in premiums that don’t do you much good. Own too little insurance, and you could end up paying for losses that easily and cheaply could have been […]
The Tax-Free Life Insurance Trust – An Estate Planning Strategy
There’s a big down-side to the boom in stocks and other financial assets. When the value of the assets you own goes up, so do potential estate and gift taxes. If you don’t take action, the IRS could end up with more of your estate than your loved ones. One easy way to handle the […]
How to Build a Better, Cheaper Life Insurance Trust for Estate Planning
You’ve probably seen the promotions for those tax-free “investments” that give a 10 to 1 return on your money. When you get past the initial pitch, you find that the investment is a life insurance policy that pays off for your heirs, not you. As part of the promotions, you’ll learn that the best way […]
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Buying Life Insurance Can Be Easy And Cheap
Life insurance premiums have been crashing for years. Now is the best time to buy insurance, and it is easier than ever to get the best deal. That’s because a number of services operating on the internet or through toll-free telephone numbers will survey premiums at a number of insurance companies and give you the […]
The 8-To-1 Life Insurance Pay-off
I’m not a big fan of using permanent life insurance to solve estate planning problems. I think with some planning most estate planning goals can be reached with low-cost term insurance and other strategies. But there is a type of life insurance that can be very attractive. In fact, this insurance has such a big […]
Handling Unneeded Life Insurance
Are you one of many Americans who have too much life insurance? In last month’s visit I showed you how to determine how much insurance you need. In this visit, I’ll show you how to make the most of any excess coverage. Obviously, we’re looking at permanent cash value life insurance policies. If you have […]
Why Your Life Insurance Probably Is Wrong – How to Determine How Much Life Insurance You Need
Most of you have either too much or too little life insurance. It’s not your fault. Ask 10 financial professionals to estimate your life insurance needs, and you’ll probably get 10 different answers. But insurance premiums are too expensive for you to be buying excess insurance, and life insurance is too important for you not […]
