If you’re over the age of 65 and eligible, Medicare can provide relatively low-cost coverage that makes sense. There are still gaps, and some people choose to purchase supplemental insurance to cover what Medicare doesn’t. These supplemental policies are often referred to as “Medigap.” Medicare Coverage To be eligible for these supplemental policies, you must already be enrolled in Medicare Parts A and B. Part... Read Article
Though it can be a difficult subject to think about, many of us will need assistance with basic needs of living when we reach old age. Long Term Care insurance (or LTC insurance) protects your savings and your others assets when you reach the point of needing help for everyday tasks, such as bathing, meal preparation, cooking, shopping, laundry, administering medications and so on. (more…)
Most of us would prefer not to think about what would happen to our families if something happened to us. Life insurance is something we may have to force ourselves to think about, just like a will. The good news is that purchasing a whole life insurance policy can be a great financial investment. This form of insurance not only allows your life to be... Read Article
Your hobbies, lifestyle, and overall health impact how much you pay for life insurance. For example, if you have decided to take up scuba diving, mountain climbing, rock climbing, BASE jumping or decide that you want to get involved in skydiving, these activities will affect the cost of your policy. Essentially, your life insurance policy is a legal contract between you and the company that... Read Article
Medicare is America’s health insurance program for people age 65 and older. It is funded with a portion of the payroll taxes paid by workers and their employers and premiums deducted by the government from Social Security payments. People under the age of 65 with disabilities or certain health conditions can also qualify for this program. Medicare can help with medical expenses, but it does... Read Article
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