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Market Ups
and Downs? Build Cash Value with Whole Life Insurance
After several years of stock market declines, many people
have quickly realized their tolerance for risk is not as high
as they originally believed. If you find yourself in the same
boat, where can you set aside money that is more safe and
secure than stocks? If you already have a term life insurance
policy, or have been thinking about starting one, you might
want to consider a whole life insurance policy. Unlike term
life insurance, whole life insurance gives you coverage for
your entire life, along with building cash value. Whole life
insurance also gives you an opportunity to invest a portion
of your cash value into tax-deferred, low-risk investments
and the opportunity to borrow against your policy, while still
protecting your loved ones.
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How Much Do You Really Know About Long-Term Care?
Chances
are 1 in 2 that you or someone you love will need long-term
care after age 651. Now is the time to educate and prepare
yourself to meet those needs in the years ahead.
Long-term
care does not mean nursing home care.
Most of us assume that long-term care simply means care in
a nursing home. But that's not the case. The easiest way to
understand long-term care is to remember that it is not
defined by the setting in which it takes place, but by the
type of care that is actually needed.
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Consumer-Driven Health Plans Earn Important Role
in Insurance Industry
Very few of us actually understand the consequences of our
health care decisions. For a $20 co-payment, we can get a
cholesterol-lowering drug that costs $100 per month rather
than change our diet or increase the amount we exercise. But,
if we had to pay full price for our prescriptions and other
medical care, most of us would consider these expenses more
carefully before dipping into our own pockets.
This
is the behavior some employers are hoping to spark by offering
"consumer-driven" health plans (CDHPs).
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