“Term Life” is a buzzword that gets thrown around enough that it seems everyone but you knows what it is. But what is term life insurance?  Why does it always seem to cost so much less than all other lines of insurance?  According to Dave Ramsey, term life insurance is the only type of life.. More

Among all of the protections that financial advisers recommend, life insurance during retirement may be the most difficult to come to terms with.  Why? Because it’s an benefit that you’re guaranteed to never see. It’s a protection for your survivors alone. A selfless gesture to those you love and care about the most.  That’s a.. More

This is Stan.  Stan is on medicare.  He’s been looking at health plans to see if there’s an affordable way to help pay some of the out of pocket expenses that medicare does not.  After doing his own research he discovers that there IS an affordable solution with some very reasonable copayments. It’s called a.. More

Every year advertisements begin to run on television starting in September concerning annual enrollment.  You might also see brochures in the mail and the cards from various insurance agencies.  Annual Enrollment occurs every year for medicare recipients between October 15th and December 7th.  What kind of insurance does this affect and what can you do.. More

Who Needs Long Term Care Life Insurance?

Written by Carl Snyder

Long term life insurance might just be the perfect combination of coverages to tie all of your loose ends but how can you know for sure?  Policies such as these are becoming more and more popular now that insurance carriers have recognized the often overlapping needs of having both types of protection tied together.  It’s.. More

What is medicare and who does it cover?  This simple question often times gets a variety of different answers.  It doesn’t matter if you’re approaching the age of 65 or if you’ve had medicare for 10 years, get to know medicare first and all else will make sense.  If you’re considering whether you should take.. More

Once you’ve decided that a term policy is right for you choosing the term length may at first seem like an afterthought.  All term life insurance policies have two financial factors that define the policy.  The amount of insurance, or the face amount, is one.  The other is the term.  The term is simply the.. More

How Much Life Insurance Do I Need?

Written by Carl Snyder

If you’re stuck on this question, don’t feel like you’re all alone.  Figuring the amount of insurance necessary is a common speed bump for many people.  Opinions vary on what method should be used to calculate the amount needed but one fact is not contested.  If you have people who depend on your income and.. More

Shopping for a medicare insurance plan can be a frustrating process if you go about it the wrong way.  From the beginning you’ll be tempted to listen to what your neighbor has to say.  You’ll get bombarded by insurance agents who all seem to have a different recommendation.  You’ll get shiny brochures in the mail.. More