A new study from the Employee Benefits Research Institute shows that without long term care insurance the ability to cover the costs in your retirement years will be difficult at best.
The earlier you face the issue of planning for long term care the better. Start prior to your retirement. A general rule of thumb is [...]
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09.04.10 Covering Post-Retirement costs very difficult without Long Term Care Insurance
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02.11.09 Are you stuck in the Insurance Commodity Trap℠?
Here are 5 key questions to ask yourself!
In their advertising, most insurance companies emphasize the cost of insurance as the standard in selecting carriers and coverage. The implication, of course, is that the lower the cost, the better the insurance.
We call this the Insurance Commodity Trap℠ It’s a trap because it fails to take [...]
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29.04.09 Does low cost mean low coverage?
As part of our series on what it costs not to have an agent I have an example of someone who had no idea that their liability coverage was so low and the effect it could have, they were completely focused on the great premium they were paying.
I was contacted by an existing insured who [...]
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22.04.09 CT Economic Downturn Means Need for Uninsured Motorist Coverage
Several months ago we warned that with the change in economic conditions in Connecticut there would be more people driving without auto insurance coverage. Well, our fears are being realized. Several people have called recently, after an accident, saying that they were hit by someone who had no insurance.
The recourse in a situation like that, [...]
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09.04.09 What Does it Cost Not to Have an Insurance Agent?
In future posts I will be writing about people who have paid the cost of not having an insurance agent. Everyone believes that having an insurance agent is more expensive than doing it yourself with one of the 800# companies. As long as the coverage is correct that may be true, however, there is [...]