Life Insurance Awareness Month

Would you be affected if you or the primary wage earner in your family passed? One in three homes say that they would have immediate trouble paying living expenses1. September is Life Insurance Awareness month, meaning companies like Life Happens and LIMRA are working together to help educate the masses about the importance of life insurance.…

Healthcare in the U.S.

Did you know? Healthcare wasn’t always available to everyone. Hospital and medical expense policies were introduced during the first half of the 20th century. During the 1920s, individual hospitals began offering services to individuals on a pre-paid basis, eventually leading to the development of Blue Cross organizations in the 1930s. The first employer-sponsored hospitalization plan…

Peace of mind just in case

In the last few weeks I heard of two very young men who left behind their families very suddenly; one of whom I knew personally. One day they were watching their children compete in sporting events and the next they were gone. The circumstances in both instances were similar enough, I thought they were the same people,…

Are you ready to retire?

One of my best friends is facing retirement and isn’t quite sure he’s ready. He has spent his career paying into the Social Security system, so he will have that income; and he has an employer sponsored 401K, his own Individual Retirement Account and some other moderate investments. That should be enough, right? My friend is nearly…

Life insurance for the living

So often when we purchase life insurance, whether Term Life, Whole Life or Guaranteed Universal Life, the first thing we think of is who will benefit from it; those we leave behind. We seldom think about using life insurance while we’re living. The reality is there are many reasons to use it during our lifetimes.…

The coverage many never consider

Most people know about life insurance, and we all have to have health insurance, car insurance, home owners or renters insurance and all of that, but what about insuring your income? Many people don’t consider insuring income for those times when they have to take time off work because of an illness or injury and the sick or personal…

Is it too late to start saving?

“I’m not that far from retirement and I’ve still got some debt. I don’t have a lot of savings, but I have some. I don’t know if I have enough time left to save now.” It really is never too late to start saving. It just takes planning and the right savings options. Sure hindsight…