With group health insurance, a single policy covers the medical expenses of many different people. Unlike individual insurance, where each person’s risk potential is evaluated to determine insurability, group health insurance allows all eligible members of the...
Benefits of a will: Distributes property according to your wishes Names an executor to settle your estate Names a guardian for minor children Can create a trust While property that passes by will is subject to probate, property that passes by a trust, beneficiary...
A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you invest...
When you own cash value life insurance, your premium payments are allocated three ways. First, a portion of each premium pays for the actual insurance costs. Like term insurance, a specific cost is associated with the policy’s death benefit, based on your age,...
Whether you’ve had a long-term care insurance (LTCI) policy for years or you’re thinking of buying one, it’s critical to understand exactly what set of conditions will trigger coverage. This information is the bread and butter of any LTCI policy. In...
