When I bought my life insurance policy years ago, I wasn’t thinking I would use it as retirement income or even think of using it myself in life. The agent did say I could borrow against the cash value if I needed to for certain life events, but I always assumed my life insurance policy…
Several years ago I worked with a business owner for whom I had great respect. One particular day I was in the office, she came in talking about estate planning and reported that she and her husband had finally decided to sit down together and plan for both their home and business in-case one or…
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…
“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…
A recent discussion with my own children helped me realize just how much I don’t need much more than I already have. I don’t need a new car just yet and I can make due with the furnishings I have until I save for something newer. To purchase something on a credit card or buy…
“It seems as though the harder I work the more I have to work to get ahead. At the same time I watch other friends and colleagues seem to be able to take vacations, retire early or enjoy life while I toil. How do they do that?” There is no way to compare one person’s…
“This whole insurance thing is just a way to separate me from my paycheck. The chances of me being disabled or having a critical illness are pretty slim, right?” There are a lot of people who think that way, but the answer isn’t a simple yes or no. Critical illness can strike anyone as well.…
When the doctor’s number flashes across the screen of the caller ID after I’ve had blood work or an exam is it time to panic or do I know that I’m going to be OK? On the one hand I am in pretty good health because I’ve taken precautions to eat better and take better…
“We’re a small company with only a handful of employees. We can’t afford to provide them benefits, but we’d like to offer them something. What can we do?” At Work Advantage is perfect for situations like yours. There is no cost to you as the employer, but the Voluntary Benefits provide a portfolio of insurances…
“I’m trying to decide whether to purchase Term Life or Whole Life and can’t make up my mind. What is the biggest difference?” The biggest difference is that a Whole Life policy actually earns you money over the life of the policy. Term Life won’t. When my parents had me and my siblings purchase Whole…