Insurance Literacy Newsletter
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Category Archives: Policy Reviews
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
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
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
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
A while back I released a report “Secret of the Life Insurance Industry Revealed” and am giving it away free to anyone who signs up for The Insurance Literacy Newsletter at www.tonysteuer.com. This special report delivers the bottom line on … Continue reading
In order to ensure that your life insurance premiums (and other insurance premiums) are not wasted is by reviewing your insurance policies annually or when you have a major change in your life. A common occurrence is when there is … Continue reading
Monitoring your insurance portfolio annually is critical especially if you are a trustee – the article “A Duty To Advise” that originally appeared in A.M. Best discusses how the Prudent Investor Rule could apply to Life Insurance Fiduciaries. Life Insurance … Continue reading
Changing how often you pay your premium could save you money (it may be a lot!). You almost always have a choice of paying your premiums monthly, quarterly, semi-annually, or annually. Use the Annual Percentage Rate calculator at www.tonysteuer.com which … Continue reading
Monitoring your insurance portfolio annually is critical. Life Insurance policies sold in the 1980′s and 1990′s have not performed as originally projected due to the prolonged low interest rate environment. To learn more download “Why Would My Life Insurance Policy Underperform” … Continue reading