Author Archives: Tony Steuer

Why Too Much Jargon Can Cause Poor Insurance Decision Making

A major part of the financial literacy and insurance literacy issues stem from an excessive use of jargon.  This excessive use of jargon can lead to poor decision making just like not knowing the rules can make a game really … Continue reading

Posted in Financial Literacy, Financial Preparedness, insurance literacy | Tagged , , , , , , , , , , | Leave a comment

Test How Much You Know About Life and Disability Insurance

When you hear the words insurance, what do you think of?  Do you scream like Woody Allen in High Anxiety or run like Bill Murray in Groundhog Day or do you just get a headache?   While insurance may be … Continue reading

Posted in Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance | Tagged , , , , , , , , , , , , | Leave a comment

Are You Prepared In The Event of A Disability?

Disability Claims come from many sources – some expected and some unexpected. It’s important to be prepared for disability by having sufficient disability income insurance.  Disability income insurance coverage is a very important coverage.  It pays when you are disabled … Continue reading

Posted in Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy | Tagged , , , , , , , , , | Leave a comment

How You Can Avoid Being A Client Of The Next Bernie Madoff

Knowing your advisor is important.  Every day, you can find a story about some type of fraudulent financial scheme.  Knowing your advisor goes beyond just being referred, it means taking time to do your own independent research and avoiding being … Continue reading

Posted in Annuities, Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Long Term Care Insurance, Policy Reviews, Regulation | Tagged , , , , , , , , , , , , , | Leave a comment

Will Low Interest Rates Impact Your Insurance?

Insurance is usually a long term term proposition.  The insurance policy you purchase today is one you may have for a very long time.  As part of that, it’s important to make sure that you have a solid insurance company, … Continue reading

Posted in Annuities, Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Policy Reviews | Tagged , , , , , , , , , | Leave a comment

If the only tool your insurance agent has is a hammer, is your every insurance need a nail?

Underwriting of any insurance product will vary from company to company and by specific risk.  Sometimes, there is a master rule, while other times, companies will vary in the coverage that they will offer and at the pricing.  As an … Continue reading

Posted in Annuities, Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Long Term Care Insurance, Policy Reviews, Underwriting | Tagged , , , , , , , , , , , , , , | Leave a comment

Will Your Group Long Term Disability Insurance Come Up Short?

Group Long Term Disability (LTD) is great coverage, however, as has been discussed in this blog quite often – there can be significant shortfalls with Group LTD coverage. Group LTD coverage can and should be supplemented with Individual Disability Income … Continue reading

Posted in Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Policy Reviews | Tagged , , , , , , , , , | Leave a comment

What Does The Future Hold for the Life Insurance Industry and Your Life Insurance?

The financial stability of the life insurance industry in the future may be drastically different in the future given a changing financial landscape, changing demographics and buying patterns. Basically, the life insurance industry needs to evolve the products it offers … Continue reading

Posted in Annuities, Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Long Term Care Insurance, Policy Reviews, Ratings | Tagged , , , , , , , , , , , , , , , | Leave a comment

Ever Wondered About The Most Common Cause Of Death At Any Age?

If you’ve ever wondered what the most common cause of death at any age is, the Institute for Health Metrics and Evaluation at the University of Washington has posted an interactive info graphic (click here)  that will answer your question. … Continue reading

Posted in Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Underwriting | Tagged , , , , , , , | Leave a comment

Is There Really Free Life Insurance?

Does the free lunch exist?  Apparently, when it comes to financial products, some people still feel that it does.  The following blog post from Professor Joseph Belth: “Florida’s Pasco County School District and Its “Free” Life Insurance Plan Become Major … Continue reading

Posted in Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance | Tagged , , , , , , , , , , , | Leave a comment