Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Insurance for Seniors

Retirement Watch highlights how to choose and manage insurance options courtesy of guru Bob Carlson

Found 33 Articles.
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how-to-estimate-your-life-insurance-needs

How to Estimate Your Life Insurance Needs

July 1, 2006

Most people have the wrong amount of life insurance. Some have too much; others have too little. Life insurance coverage often is wrong because most people enter the process believing that they need one life insurance policy. They might consider term and whole life, and perhaps a few of the other types of policies. They […]

which-life-insurance-to-buy

Which Life Insurance to Buy?

June 1, 2006

Most Americans are confused about life insurance. They admit this and aren’t doing anything about it. That is unfortunate, because changes in the life insurance industry are very favorable to insurance buyers. Let’s take a look at the traditional debate of term insurance vs. whole life insurance. Term insurance is a “life insurance only” policy, […]

good-time-to-shop-for-life-insurance

Is it a Good Time to Shop for Life Insurance

June 1, 2006

Anyone who bought term insurance more than five years ago should consider shopping for a policy again. Because of much longer life expectancy and higher investment returns, premiums on term life insurance have declined significantly. In fact, over the past decade term premiums have declined by about 50%. Insurers also are being more generous in […]

setting-up-your-financial-protection-plan

Setting Up Your Financial Protection Plan

October 1, 2005

Hurricane Katrina has a lot of people thinking about their insurance for homes, autos, belongings, and personal liability. Most people have a lot of their insurance wrong. They have coverage gaps or are paying too much. Don’t wait until you need the coverage to discover there is a problem. Review your insurance every year or […]

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your-personal-backup-plan

Your Personal Backup Plan

October 1, 2005

A natural disaster destroys more than property. It also destroys financial records and other important documents. Many evacuees from Katrina say that they cannot even prove who they are, because they lost driver’s licenses, passports, birth certificates, and other identification in the hurricane and its aftermath. The traditional advice is to preserve important documents in […]

how-to-buy-the-right-amount-of-life-insurance

How to Buy the Right Amount of Life Insurance

December 1, 2004

Most Americans ignore what insurers tell them about the amount of life insurance to buy. That’s probably a good thing for them. Even so, most people own the wrong amount of insurance. They ask the wrong question and get the wrong answer. The insurance industry generally recommends buying life insurance benefits equal to seven times […]

how-to-protect-your-home-from-extreme-weather

How to Protect Your Home from Extreme Weather

November 1, 2004

Hurricanes swept the east coast, giving many residents an education in homeowners’ insurance. You should get used to it. Weather forecasters say we probably are in a cyclical period of increased hurricanes and other extreme weather. Every homeowner should know the extent, and limits, of coverage for damage from extreme weather. What is covered? Insurance […]

new-rules-of-homeowners-insurance

New Rules of Homeowners’ Insurance

April 1, 2004

Homeowner’s insurance no longer is a modest expense to be taken for granted. Without monitoring and management, premiums will climb and coverage could be lost. About 2.5 million homeowners lost coverage or had substantial premium increases in the past two years, according to a survey. Reasons for the change are legion. Insurers suffered big investment […]

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