Insurance Broker Discusses When to Buy Long Term Care Insurance

Insurance Broker Discusses When to Buy Long Term Care Insurance

Insurance Broker Discusses When to Buy Long Term Care Insurance As an experienced certified Insurance Broker, I often get asked what the right age is to buy long term care insurance.  There is no real right age to buy long term care insurance. Obviously, you want to gain the insurance coverage prior to benefits being needed.…

Insurance Broker Discusses Inflation Protection

Insurance Broker Discusses Inflation Protection

Insurance Broker Discusses Inflation Protection As an experienced certified Insurance Broker, I get questions regarding inflation protection.  Inflation-proofing your long term care insurance is very important. Hopefully once you’ve obtained the insurance coverage you won’t need benefits for many years, but if you can imagine at just a 3% rate of inflation, the purchasing power of…

Insurance Broker Discusses Retirement Income Protection

Disability Insurance Broker Discusses Retirement Income Protection

Disability Insurance Broker Discusses Retirement Income Protection As an experienced Disability Insurance Broker for Physicians and Dentists, I am often asked about retirement income protection.  Retirement income protection is a way to protect the contributions that you make to a retirement plan. Unfortunately, most individuals forget that they want to continue to save and invest…

Insurance Broker Discusses What Services Are Covered & Where

Insurance Broker Discusses What Services Are Covered & Where

Insurance Broker Discusses What Services Are Covered & Where As an experienced certified Insurance Broker, I get asked what services are covered and where.  The services that are covered are those that provide care for an individual that has a chronic illness or injury. Where those benefits are paid out depends on the situation that the…

Insurance Brokers Explains How Much Life Insurance to Get

Life Insurance Broker Explains How Much Life Insurance to Purchase

Life Insurance Broker Explains How Much Life Insurance to Purchase As an experienced Life Insurance Broker, I often get questions from Physicians and Dentists about how much life insurance they should get.  The amount of life insurance can be determined by very fancy calculators that go through all of the various expenses that we have now and…

Insurance Broker Discusses Tax Consequences

Insurance Broker Discusses Tax Consequences

Insurance Broker Discusses Tax Consequences As an experienced certified Financial Planner, I often receive questions about the tax consequences of long term care insurance.  While the premiums for long term care insurance may be deductible or have income tax credits, the benefits when received from a long term care insurance policy are income tax free. Have…

Insurance Broker Discusses Group Disability Insurance

Disability Insurance Broker Discusses Group Disability Insurance

Disability Insurance Broker Discusses Group Disability Insurance As an experienced Disability Insurance Broker for Physicians and Dentists, I often receive questions about group disability insurance.  Group disability insurance is a function of employment. As such, if you’re an employee with a company, practice, hospital, or university, they’re going to provide a basic group disability benefit…

Insurance Broker Discusses What to Consider With Long Term Care Insurance

Insurance Broker Discusses What to Consider With Long Term Care Insurance

Insurance Broker Discusses What to Consider With Long Term Care Insurance As an experienced certified Insurance Broker, I am often asked what one should consider when deciding on a long term care insurance policy.  First of all, you want to obtain the long term care insurance from a highly rated insurance company, one that’s expected to…

Insurance Broker Discusses Buy/Sell Policies

Experienced Disability Insurance Broker Discusses Buy/Sell Policies

Experienced Disability Insurance Broker Discusses Buy/Sell Policies As an experienced Disability Insurance Broker for physicians and dentists, I regularly get questions about buy/sell policies. This type of policy will provide coverage for partners or other owners in the event of your disability to allow them to buy you out under your buy/sell agreement. Unfortunately, many…