Medicare – Understanding The Puzzle

If you or someone you know is becoming eligible for Medicare, chances are you’re confused about what expenses it will cover, what you will be responsible for, and the choices of additional coverage that are available to help pay the difference. And correspondence from various insurance companies regarding their plans may be creating even more […]

Long Term Care – The Myths and Realities

One of the most popular topics in health care today, especially with Baby Boomers, is long-term care (LTC). I speak with many people who are interested in LTC insurance, but have a number of misconceptions about this type of insurance and LTC in general. Before we discuss some of what these are, let’s define what […]

Whole Life Insurance – The Living Benefits

When the average person thinks about purchasing life insurance the goal in mind is generally to protect his or her loved ones in the event of that person’s death. That protection can be as extensive as making sure that costs like the mortgage, children’s education and general living expenses will be taken care after they’re […]

The Life Insurance Solution to Long Term Care

Whenever I meet with someone to discuss long term care (LTC) insurance, chances are one of these questions will usually come up, “Dan, what if I never use this policy? I will have paid all those premiums for nothing.” Or, “I’m worried about the premium cost increasing, especially when I’m retired.” Both of these are […]