Retirement Watch highlights how to choose and manage insurance options courtesy of guru Bob Carlson
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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 […]
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 […]
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 […]
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 […]
In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more.
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 […]
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 […]
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 […]
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 […]
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