Single Premium Life Insurance can be a great solution for the right situation, but it isn’t always the right answer. Find out if Single Premium Life is a good option for you.
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The Puritan Advisor*
It’s never too early to begin planning your retirement – the most important aspect of which is your retirement income planning. How, exactly, do you intend to finance your lifestyle when you’ve quit working? This entry will help you understand your options.
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Medicare Supplement Insurance is important coverage for many seniors to protect against the skyrocketing costs of healthcare. This entry explains Medicare Supplement Insurance and the importance of this coverage.
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A life annuity might be the perfect solution to provide for your retirement income needs or to supplement your income in retirement. Read on to find out if a life annuity is right for you.
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Annuities are powerful and flexible financial tools that offer many benefits to the retiree. This entry explains annuities in plain language to help you determine if annuities are a good solution for you.
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When you were younger, you had life insurance to protect your family in case you passed away and could no longer provide for them. Now that you’re getting older and passing into retirement, you’re wondering if it’s still important to have life insurance for seniors. You’re not supporting them anymore; they can do it on their own. So, why do you need life insurance still?
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Understanding the differences between Single Premium Indexed Life and indexed annuities can be confusing. Many of the features between these two products overlap, although there are some distinct differences
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Buying life insurance can be painful. A life insurance agent that understands senior’s needs, and takes the time to educate their clients can go a long way to easing that pain.
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There are many reasons to buy life insurance. Seniors today have younger children, and many seniors are still paying for education into their retirement. Many seniors have special needs children, or simply want to provide an inheritance for their family. When retirement planning, consider how you want to provide for your children’s future
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When buying life insurance, it’s important to review the reputation of the insurance carrier. Do they have customer service issues? Are they known for paying benefits on time and in full? Consider the reputation of a carrier prior to purchase, and you could save yourself major headaches in the future.
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When planning our estate, we want to make sure that our spouses are taken care of. Life insurance can be used to cover these expenses if needed. Take the time to consider all of the costs that your spouse should be prepared for in the event of your passing.
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When planning for life insrunace, it’s impotant to consider what you can afford for a premium. Take the time to consider your financial situation, and make sure that your choices are ones you can stick with.
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Many Seniors have debt much later in life. Mortgages, adult kids at home, unforseen medical expenses, etc., can eat away at an estate an cause much grief for those left to deal with the mess. When planning retirement, consider life insurance as a srategy for dealing with debt if the net value of your estate isnt where you want it to be.
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Life Insurance is worthless unless you have the confidence that the Insurance carrier can pay the benefit when you need it. Be sure that any carrier you look at has an excellent financial rating. How can you tell?
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Buying life insurance can seem complicated, but with Puritan Life, we make it as easy. Life Insurance carriers rate certain risks differently. If your agent doesn’t represent multiple carriers, how can you get the best deal possible?
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Does your agent do all the talking? If so… how will they ever know if the policy they are offering is specifically suited to your needs?
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Buying Life Insurnace for Seniors can be a little daunting. Over the next several days, we will be providing the 10 things you should look for and consider when choosing the right life insurance for you!
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Many seniors have a sizeable estate, but the estate has little cash and liquide assets. Life Insurance can help provide the necessary cash to keep the wishes of the estate intact.
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Second to Die Life Insurance is an innovative tool that can be used when funding your estate plan.
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For many seniors, single premium life insurance can provide both the flexibility and the protection to be a valuable part of their retirement income plan.
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You have provided for your spouse and loved ones your entire life. If you want to continue to protect them for the entirety of their life, consider joint life insurance.
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Permanant Life Insurance is a great option for Seniors to provide protection to their loved ones, while having some flexible options if their life situation changes.
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Before you decide to retire, determine how much money you will need monthly, identify sources of guaranteed income, and reduce expenses if necessary.
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It’s no secret that 2009 was a difficult year for Americans, particularly those staring down retirement. Retirees are turning to their whole life insurance policies to see them through the lean years.
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Health Care Fraud costs consumers $10 billion each year. Remember these three simple tips to avoid becoming a victim.
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With the final freeze of the season behind us (hopefully!) it’s time to start thinking about spring gardens. Implement these three tips to ensure your garden is green.
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Although a secluded retirement destination may sound tempting, consider the advantages of retirement community living.
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Millions of grandparents contribute to their grandchildren’s college education. If you are interested in saving for a family member’s education, consider three benefits of enrolling in a 529 plan:
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America leads the world in several areas, and unfortunately, obesity is one of them. Obesity related health concerns cannot be ignored by seniors.
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Welcoming Spring encompasses more than just cleaning. Use these handy reminders to help you prepare for and enjoy Spring.
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Revocable and Irrevocable Trusts don’t just sound different; they have diverse legal and tax implications. Here are a few fundamental distinctions to keep in mind as you prepare your Trust.
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Tips on how to find the perfect retirement locale. Learn how to pick the perfect place for you.
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10 important points to consider regarding reverse mortgages. Educate yourself before making a decision!
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Will Social Security be there for you? What are the govenment’s options, and how can you prepare? A recent analysis by the Social Security administration estimates that the Social Security Trust Fund will become insolvent, which in plain terms means that there won’t be enough money in the fund to pay all of the benefits to participants in the program, in 2037
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There’s no doubt that the later years of life can present some unique physical and mental challenges. While a long, full life can take a toll on the body and mind, there are some simple things that you can do to keep fit both mentally and physically.
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The year 2010 is a critical year for anyone with an Estate Plan. The potential changes in the law and the uncertainty of the outcome make planning for the future especially difficult.
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Most people want to leave something behind for their loved ones. As you plan for the transfer of your estate, here are a few questions to ask yourself:
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The cost of healthcare in our country has been rising steadily over the last 40 years. Fortunately, there are solutions to protect you from some of the costs of healthcare in later life.
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If you’re over 65, you may be thinking to yourself that you don’t really have a need for life insurance coverage any more.
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