In the Late 19th Century… Modern disability insurance began to become available. It was originally known as “accident insurance”. The first company to offer accident insurance was the Railway Passengers Assurance Company, formed in 1848 in England to insure against the rising number of fatalities on the nascent railway system. It was registered as the…
The call came that I’d been expecting. A friend who’d been battling cancer for three years passed last week. She was someone I counted on for advise. Despite her disabling disease, she stayed positive. The thing I knew about her was she left a lasting legacy for her friends and family. She had been through…
Sometimes it seems everyone I know has some kind of health issue. The thing is, if we all look around, we can look at our circle of friends and probably every third person either has had some kind of critical illness. My grandson’s maternal grandfather recently had a second heart attack and is waiting to…
This is a text message I received from a friend the other day: “My husband just called me. He was moving concrete steps onto our porch and felt a pop in his back and has called EMS to go to the hospital because he can’s stand or really move.” That injury has put a self-employed…
Recently here, I mentioned a man who didn’t find out he was diabetic until he lost his foot to the disease. So often we are not prepared for the unexpected. Accidents, critical or chronic illnesses that leave people unable to provide for themselves or their families as they had in the past. There are solutions…
You went through the Healthcare.gov Marketplace, called your AC Financial Adviser and bought your healthcare coverage, but is that all you need? When it comes down to it, paying deductibles and coinsurance payments can be overwhelming. Then throw in even a one day hospital stay, with an average cost of $1,200 to $2,200 or an…
New Year’s is just around the corner, and every year people tend to think about resolutions having to do with weight loss, fitness and other life changes. Instead of making a change that lasts only a few days or weeks, why not start looking at a change that can make a difference in your quality…
Over the last decade the cost of a hospital stay has continued to rise, and there doesn’t seem to be any sign it will be slowing down soon. Depending on the hospital, length-of-stay and the illness you’re being treated for, you could be left with out-of-pocket costs that leave you with little or no savings.…
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.…
It was hard not to watch as they hugged and cried tears of joy. I sat across the isle in a restaurant drinking my coffee. They appeared to be sisters by resemblance, and were apparently just given a reprieve from what they had thought would be a final separation. I couldn’t help but overhear the…