Insurance

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How Much Life Insurance Do I Need?
Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family.

What Is The Future Value Of An Annuity?
Unlike a taxable account, a fixed annuity enjoys the benefits of tax deferral. In addition, many annuity companies offer a higher first year bonus rate. To be able to offer these higher rates companies typically require you to keep the funds invested for a period of time or suffer a surrender penalty for early withdrawal.

Which Is Better, Comprehensive Plan Or High-Deductible Plan With HSA?
Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money tax-free to pay qualifying medical expenses.

What Is My Life Expectancy?
With medical advances and improved lifestyles, life expectancies in the United States are on the rise.

What Are My Needs For Burial And Final Expenses?
Long gone are the days of being buried in a pinewood box. Funeral expenses can vary from several thousand dollars up to $15,000 and more depending on which services you select. Funeral homes and crematoriums provide a list of expenses some of which have been enumerated here.

How Much Disability Income Do I Need?
Your chances of becoming disabled are far greater than your chances of dying. It may surprise you that one out of three individuals will suffer a disability that lasts at least 90 days. One out of ten will be permanently disabled prior to age 65.

What Are My Chances Of Becoming Disabled?
It may surprise you that 33.7 million non-institutionalized Americans (or 12.2 percent of the population) experience limitations in usual activities due to chronic conditions.

What Are My Long-Term Care Needs?
There are basically three ways to fund your long-term care needs: self-insure, qualify for Medicaid, or obtain long-term care insurance.

How Much Will I Earn In My Lifetime?
Most people earn a small fortune during their lifetime. Yet many of them are unaware of how their annual income adds up over the years.

What Are The Tax Advantages Of An Annuity?
Deposits into an annuity are not tax-deductible, however you don’t have to pay taxes on the interest earned until you begin making withdrawals. This tax-deferral period can have a dramatic affect on the growth of an investment.

How Long Will My Current Life Insurance Proceeds Last?
You may think that you are adequately insured in the event of your death. It may surprise how quickly the tax-free insurance proceeds may be depleted by your survivor income needs.