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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are-multibenefit-policies-worth-the-cost

Are Multibenefit Policies Worth the Cost?

September 1, 2003

Insurers have had trouble selling long-term health care insurance policies. To boost sales, they created multiple benefit policies. Let’s take a look at them. Insurers face a dilemma. During most of the average person’s life, he is more likely to become disabled or in need of long-term care than to die prematurely. Yet, fewer people […]

questions-before-buying-insurance

Nine Questions to Ask Before Buying Insurance

October 1, 2002

Many investment insurance policies aren’t having the results that were expected. Their buyers didn’t realize that insurance policies also could be hurt by a bear market just like stocks and mutual funds. Here is what you need to know to avoid this situation, and to make a good decision regarding the future of any policy […]

changes-in-homeowners-insurance

Changes in Homeowner’s Insurance

May 1, 2002

Natural disasters and terrorism affect more people than realize it. One way almost all of us are paying for these events is through homeowner’s insurance. Those who don’t learn about recent changes and adapt to them risk paying more for insurance. More importantly, many homeowners are now unwittingly underinsured. Problems for insurers started with Hurricane […]

Does Life Insurance Still Matter?

April 1, 2002

Does the scheduled repeal of the estate tax make permanent, cash value life insurance obsolete? Some financial advisers think that if the estate tax’s days are numbered, few people need life insurance. Others say nothing has changed. The truth is somewhere in between. Let’s review some of the reasons why you don’t want to automatically […]

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How to avoid the Variable Life Insurance traps?

January 1, 2002

Variable life insurance can be a powerful financial tool, and this is a good time to consider using it. But it also is fraught with traps, and those traps recently were sprung on many policyholders. Here’s how to avoid those traps and know when to use variable life. In the best of circumstances, the benefits […]

The Truth About Life Insurance Trusts

Life & Long-Term Care Insurance In One Package

June 1, 2001

Sales of long-term care insurance are stalled. Only about 2% of the target market buy the policies. The latest attempt to make long-term care health insurance attractive is to combine it with life insurance, making both products more attractive. Here’s the pitch in these new policies. The long-term care insurance is there if you ever […]

how-to-slash-auto-insurance-costs

How to Slash Auto Insurance Costs

March 1, 2001

The airwaves are full of ads for lower auto insurance costs. But the commercials don’t tell you even half the story. Unfortunately, few people do their auto insurance correctly. There are many ways to cut your auto premiums without putting yourself at risk. This is especially good news for older Americans. Those premium reductions you […]

The Truth About Life Insurance Trusts

The Truth About Life Insurance Trusts

February 1, 2001

One estate tax shelter untouched by the government over the years is the irrevocable life insurance trust. At various times the IRS has tried to shut down this valuable tool, but the courts and Congress kept the structure intact. The purpose of an irrevocable life insurance trust is to exclude insurance benefits from the taxable […]

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