Planning matters

When is the best time to buy Long Term Care Insurance?

Many clients ask me: When is the best time to buy Long Term Care insurance? My answer: While you can still qualify for coverage!

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Life insurance for Marijuana users

In general, life insurance companies are pretty conservative. You would be too if your entire business revolved around assessing the risk in every applicant’s behavior. Life insurance underwriting is all about risk and lifestyle choices. The premium you eventually qualify for is based on your current health and family history, and the activities you participate in. Whether it is sky or scuba diving, race car driving or smoking marijuana, underwriters need to know what you are up to!

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What Can You Do When Your Long-Term Care Insurance Rates Go Up?

If you receive a letter from your Long-Term Care insurance company notifying you that rates are going up, don’t panic! You don’t necessarily have to pay the higher premiums.

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Six Reasons Why People Don’t Buy Life Insurance

Many people put off considering life insurance protection for a number of reasons. Take a look at this list—do any of them sound like you?

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Keep Your Beneficiary Designations Current

Life is always changing. Major life events such as death, marriage, divorce, or having a child significantly change your life. It’s crucial for you to keep the information regarding your beneficiaries up to date.

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