Understanding and
Evaluating Life Insurance - Different types of policies can
serve different functions at different times in your life. Learn whether
whole life policies are best for you or whether you should "buy term and
invest the difference."
Getting the
Life Insurance You Need - Life insurance can be an important
part of a solid financial plan. Along with what type of policy to buy, you
must decide how much coverage to buy. This article offers some guidelines.
What to Look For
in a Homeowners or Renters Insurance Policy - Selecting the
right amounts of coverage and deductibles will determine your insurance
premiums. Be sure to understand the components of policies that cover your
home and your belongings.
Understanding Auto
Insurance - It is critical to have auto insurance and most state
require it. Choosing the right levels of protection should be part of your
total financial strategy.
Review
Your Insurance Deductibles - Be sure to have the insurance you
need, but don't pay for insurance you don't really want. This article
includes a simple worksheet to help you evaluate how you may save money with
different levels of insurance deductibles.
Umbrella Insurance
Policies - Auto and homeowner insurance policies usually provide
some level of liability protection. But, in an age of large jury awards and
rising medical costs, you may want some additional protection.
Disability
Insurance - Most individuals need disability insurance to
protect against losing the ability to work. It is often available as part of
an employee benefit program from employers. Others must buy it themselves.
Some of the details on how it works could be important to you.
Long Term Care
Insurance - If you are concerned about the rising costs of
medical care and what it may do to your financial well-being, you may want to
consider long-term care insurance. This article offers some tips to consider
as you review your options.
Have an Insurance
Strategy - Insurance provides protection against the unknown.
This article provides issues to consider for each of seven types of insurance
most individuals should have.
Consider a Life
Insurance Trust - Life insurance trusts can be used to keep
insurance proceeds out of your taxable estate and save large amounts of
estate taxes. As you review your estate plan, speak with your attorney about
this powerful and useful technique of owning life insurance policies.
Single Premium Tax
Deferred Annuities - Fixed annuity insurance contracts have been
used for decades as part of long-term financial strategies. While there are
advantages, there can also be fees and restrictions.
