Retirement Watch highlights how to choose and manage insurance options courtesy of guru Bob Carlson
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Insurers want you to buy more annuities. They expect that as the Baby Boomers age they will need dependable sources of lifetime income, and annuities will provide a large portion of that income. The sticking point is that many people do not want to buy annuities, because the annuity payments last only for life. If […]
Term life insurance is one of the simplest and least glamorous insurance products. It also is a work horse and, unknown to most, has become quite a bargain in the last few years. If you have not reviewed your policies in a few years, or if you didn’t buy in the past because it was […]
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 […]
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 […]
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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, […]
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 […]
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 […]
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 […]