The good news? People are living longer. The bad news? This means in addition to needing more savings for retirement, individuals also face a higher likelihood of developing a long-term care condition. According to the Department of Health and Human Services, two out of three people will eventually require nursing, home health, or assisted living care, whether temporarily or permanently. …

What is an Annuity? An annuity is a financial product that can be used to accumulate cash value on a tax-deferred basis. Annuities can be a great tool for individuals to secure retirement income or to convert existing assets into a stream of income. There are four main changes everyone faces in retirement—longer life expectancies, taxes, inflation, and market volatility—and …

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The Social Security Administration estimates that more than a quarter of all 20-year-olds will become disabled before reaching retirement age.[1] What would happen to your finances if you got badly hurt or were not going to recover from a long-term illness? Disability insurance is designed to protect you from income loss when a covered condition prevents you from working. If …

Critical Illness insurance products can be purchased on an individual basis or through a plan offered by an employer. These specialized policies or riders – often provided in addition to or with a standard insurance policy – provide a lump-sum, tax-free payment should a policyholder develop certain severe health conditions, such as: Because critical illnesses typically incur greater-than-average medical expenses, …

With the right life insurance coverage, you can be confident knowing that your loved ones will be able to live out their dreams, no matter what the future holds. Benefits The basic advantage all life insurance policies provide is a death benefit that replaces income in the instance of your death. This is important, as many households cannot financially sustain …