Q: How does a shared-benefit rider for long term care insurance work? Does it cost more than regular coverage? A: One of the big unknowns with long-term-care insurance is predicting how long you’ll need benefits. Although the average need for care is about three years, you might die before needing any care or you could […]
By Eleanor Laise, Kiplinger Retirement Report The vast majority of seniors don’t have long-term-care insurance. For all but the wealthiest, deteriorating health or an imminent need for care can raise real concerns about running out of money. One solution: a medically underwritten single-premium immediate annuity. Like traditional immediate annuities, these contracts offer a lifetime of […]Read More
By Kimberly Lankford, Kiplinger Personal Finance Life insurance is an essential part of every family’s financial plan, but people often underestimate the amount of coverage they need and pay too much for what they get. What’s more, your needs change as you age. The policy you bought when your kids were born may not have […]Read More
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