There is a lot of discussion these days about Life Settlements as a way to get rid of old life insurance policies while gaining some cash. While this sounds like a great option for many people who no longer need the coverage a specific life insurance

Professional Indemnity Insurance Professional indemnity (PI) insurance protects you against your legal liability for losses suffered by your customers as a result of your negligent advice. Professional Indemnity (PI) is legally required in certain p

Today’s seniors are living longer than ever, but as life spans increase, so do the needs for additional care. The majority of today’s retirees will need some form of special care as they age, whether that help is delivered in their own residence, in

The freedom of having ones own business, the liberty of being the master of your own self, can be extremely invigorating. However, like every good thing comes with a catch, the freedom of being self-employed is also marred with the anxieties over hea

Most states make it mandatory for you to have car insurance. The minimum the authorities accept is liability coverage on your car. A liability cover will protect the other person if ever you are involved in an accident. Nowadays Internet is becoming

Has a life insurance agent suggested that you buy ‘permanent?insurance such as Whole Life, Universal Life or Variable Universal Life? The reasons they give seem so compelling, but are they in your best interest? Here’s an explanation of the basics, p

Providing for adequate health care is one of the top concerns for today’s seniors. And yet, many find themselves coming up short when that need is for long term care. With costs skyrocketing and government purse strings tightening, planning for such

In my last article, I explained the basic differences between term and permanent insurance. Permanent insurance such as Whole Life, Universal Life, Equity-Indexed Universal Life and Variable Universal Life is regularly promoted as the perfect retirem

Recent legislation in Congress may make it even more difficult for seniors to qualify for government-paid long-term care coverage. If you don’t take action now, you may be setting you and your family up for a Long Term Nightmare! This problem is so p

The thought that you may not need life insurance is anathema to most life insurance agents. But as a Certified Financial Planner who is also a life insurance agent, I have a different point of view. There are times when you may not need life insuranc

My mother-in-law recently passed away after a long and courageous battle with cancer. Throughout her battle, our family had to deal with many emotional and legal issues. Over the next couple weeks, I’ll be discussing these in more detail in the hope

Don’t you just love government red tape? This time the bureaucratic process has given us a real doozy—it’s called the Health Insurance Portability and Accountability Act or HIPAA for short. And the unintended affects of HIPPA could have a dramatic ef

Never has there been more unanimity from financial experts, educators, media on a financial strategy than the advice to insure one’s most valuable asset, one’s future income, with disability insurance. A look at the statistics tells you why. Most peo

Getting affordable health insurance in California with good coverage could be a big uncertain block to hitting the road. There is actually no easy answer. There is no technique around than doing it by your own research to see which state quote and po

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