Most of the people shopping for financial protection make the same costly mistake like they confuse an annuity with life insurance, buy the wrong one, and only find out years later when it is too late to fix it. If…
You saw the ad. A friendly spokesperson, $9.95 a month, guaranteed acceptance — no medical exam, no questions. It sounds simple. It’s not. There are a lot of people who sign up for the Colonial Penn $9.95 plan every year…
Key Points Long-term care insurance is an important financial tool that will help to protect your savings, income and your family when you need extended medical or personal care. As healthcare costs continue to increase and having the right long-term…
Most people pick their health plan during open enrollment in about 20 minutes. They look at the monthly premium, choose the lowest number, and move on. If that plan happens to be a high deductible health plan, they will not…
You are staring at two health plan options during open enrollment, the one with a lower monthly premium and one that feels “safer” because the deductible is lower. So you pick the one that looks cheaper upfront. That one decision…
Here is the mistake thousands of people make every year, and the mistake is that they search for the cheapest life insurance, see a 10 year term life insurance policy with a low monthly premium, and sign up without asking…
Key Points Your age can impact the cost Health changes the monthly premiums Shopping lowers prices Smoking habits also increase the rates. You are probably looking at monthly premiums right now thinking, “this cannot be right”. Maybe you got a…
Most people looking for affordable life insurance make the same costly mistake, they either grab the first quote, or coverage is out of reach on a budget and skip it entirely. Both decisions can devastate your family financially. The good…
You are staring at the benefit page during open enrollment. Three acronyms EPO, PPO and HMO are written and a deadline. Pick the wrong one and you could pay $800 for a single specialist to visit that would have cost…
There are so many people who choose their health plan based on monthly premiums. That is a trap. They pick what looks cheapest in October, and by February they are hit with a $900 bill because their specialist was out…