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Category Archives: insurance literacy
The Long Term Care Insurance Industry has certainly faced significant growing pains as any one who has a long term care insurance policy knows as they have been faced with premium increases (sometimes very high increases). Insurance Companies that developed … Continue reading
Remember the advice you get from an Insurance Agent is worth what you pay for. If you’re working with someone who is not qualified to give certain advice and you’re not paying for that advice, well, you’re going to end … Continue reading
The secondary marketplace for life insurance continues to show signs of life. After the financial “recession” of 2007 when capital dried up, the secondary marketplace almost vanished. The secondary marketplace is coming back and with that comes the repeated words … Continue reading
Have you ever wondered about the letters that appear after an advisor’s name on their business card? FINRA has added to their website a tool (click here) to look up these designations and to help consumers decided whether it’s a … Continue reading
Low Interest Rates are having a long term negative impact on the performance of all insurance products. The reason is that insurance companies for the most part are restricted to investing in bonds and when interest rates are low, bond … Continue reading
Thanks to Donna Fuscaldo for the opportunity to be a resource for her article on Foxbusiness.com on “How to Get the Best Rates onLife Insurance”. Donna takes a new perspective on how you can get the best (and lowest!) rates … Continue reading
Interview with Allie Johnson for Insurancequotes.com: Older Men Who Smoke May Pay $10,000 More A Year For Term Life Insurance
Thanks to Allie Johnson for the opportunity to be a resource for her article on InsuranceQuotes.com on “Older Men Who Smoke May Pay $10,000 More A Year For Term Life Insurance”. Allie raises the very important issue that when looking … Continue reading
Thanks to Crissinda Ponder for the opportunity to be a source for her article on Bankrate.com on “Even Young Adults Need Disability Insurance”. Crissinda brings up the much over-looked issue of Disability Insurance to protect your income. There is a … Continue reading
Did you know that . . . 3 in 10 workers entering the workforce today will become disabled for some period of time before they retire (Social Security Administration, Fact Sheet, January 31, 2007)? More than 90 percent of disabling … Continue reading
The concept of insurable interest is a core foundation of the life insurance industry. When there isn’t insurable interest, then things can get out of hand as detailed in the following article from Chantal Marr at LSM Insurance: The Dumbest … Continue reading