Today there are as many types of insurance as there are risks. That is why a diversified insurance portfolio should be a vital part of the wealth management process. When structured properly, an insurance portfolio can be a powerful risk management tool, offering a range of protections for you, your family, and/or your business. Many […]
Divorce can be an emotionally and financially challenging life event. In the face of the many possible adjustments divorce entails, making changes to insurance coverage may be overlooked.Here’s a look at each type of coverage: [images style=”1″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2FDivorce-Decree-250×166.jpg” width=”250″ align=”right” top_margin=”20″ bottom_margin=”20″ left_margin=”20″ right_margin=”20″ alt_text=”Divorce%20Decree” full_width=”Y”] Auto If there is a change in auto ownership, […]
Disability insurance addresses lost wages that stem from an inability to work. Long-term care insurance, in contrast, addresses expenses associated with medical care provided to you in your home, a nursing home, a rehabilitation center, or an assisted living facility. [images style=”1″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2FHandicap_DI_LTCi-Green-250×250.jpg” width=”250″ align=”left” top_margin=”40″ bottom_margin=”40″ left_margin=”20″ right_margin=”40″ full_width=”Y”] Disability insurance policies may address […]
Self-employment is an important career choice for many people, and it is an option elected by many seniors and baby boomers. But with this choice comes the need to provide your own health insurance, which can be a formidable expense. And, thanks to the Affordable Care Act, a necessary one starting in 2014. If you […]
Long-term care insurance is one of the most complex types of insurance you may consider purchasing. Here’s a list of 10 questions to ask that may help you better understand the costs and benefits. What types of facilities are covered? Long-term care policies can cover: Nursing home care Home health care Respite care Hospice care […]
Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement strategy. The U.S. Department of Health and Human Services estimates that 70% of people over age 65 can expect to need long-term care services at some point in their lives.1 So understanding […]
Term insurance is the simplest form of life insurance. It provides temporary life insurance protection on a limited budget. Here’s how it works: When a policyholder buys term insurance, he or she buys coverage for a specific period and pays a specific price for that coverage. If the policyholder dies during that time, his or […]
If you have a family who relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal finances. In fact, 30% of U.S. households say they have no life insurance coverage at all, according to […]
Whole life Insurance remains in force for your whole life, as long as you remain current with your premiums.In exchange for fixed premiums, the insurance company promises to pay a set benefit when the policyholder dies. Whole life insurance policies build up cash value — effectively a cash reserve that pays a modest rate of […]
Variable universal life insurance is permanent life insurance—it remains in force for the policyholder’s whole life. And, as with universal life insurance, it provides a flexible premium and an adjustable benefit—meaning the policyholder decides how much to put in the policy above a set minimum. By extension, the policyholder also determines the face amount of […]
