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April 6, 2017

Is Your Insurance Money Safe?

Insurance PolicyFor many future retirees, life insurance is an important component of retirement planning. Policies that build cash value, such as whole life and variable universal life policies, can be tapped for additional retirement funds if necessary.

The recent debacles with the stock market and other securities have many wondering: is my money safe in an insurance policy. The answer: a definite “maybe.”

Insurance companies are required to hold sizable reserves. They are generally forbidden from making wild speculations with the money. Unfortunately, though, many of the mortgage-backed securities that have fallen to a fraction of their previous values were considered rock-solid before the “crash”—so solid, in fact, that they received highest safety rankings from the bond rating services.

How is your insurance company doing? You can find out, but it will take a little research.
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March 11, 2017

Retirement Investors: Beware the Inflation “Whipsaw Effect” of the Stimulus Package

Right now, the last thing most investors are worried about is inflation. The price of almost everything, from real estate to stocks to mutual funds, is going down. If you want to get more for your money, all you have to do is sit back and wait until even better bargains come along. In other words, we are experiencing deflation. There are, however, indications that this situation may be short-lived, and that inflation may soon once again rear its ugly head.
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December 21, 2016

7 Things Baby Boomers Should Consider When Purchasing Long-Term Care Insurance

getting long term care

As baby boomers prepare for retirement, many have a vague feeling that they’d do well to insure themselves against the potentially disastrous cost of long term care. But when they start delving into the details of long term care insurance—perhaps by conducting research on the Internet—they find the subject to be unpleasantly complex, confusing, and downright mysterious. But understanding and weighing your many options need not be a drawn-out and harrowing experience. Here are seven simple points to bear in mind that can serve as a compass as you navigate the various plans and policies currently available.
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December 10, 2016

Wondering Where to Retire? Consider Costa Rica

Costa Rica

For many, the dream of retirement in a warm paradise in the sun seems far out of reach. But Costa Rica offers countless Americans, Europeans, and Canadians (among others) the chance to retire in a beautiful, tropical climate; and unlike many other overseas destinations, this small, stable Central American country is both affordable and relatively crime-free. Here are some of the reasons why many Americans have retired to Costa Rica, and why future retirees should at least consider it.
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December 4, 2008

How to Integrate Your Life Insurance Program Into Your Retirement Program

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