Medicare Advantage 101
INSURANCE READ TIME: 3 MIN Medicare Advantage 101: Understanding Part C Coverage For U.S. adults planning for retirement, understanding health care coverage options is animportant part of long-term planning. One option available to individuals who are eligible forMedicare is Medicare Advantage, also known as Medicare Part C.Medicare Advantage plans are offered by private insurance companies […]
Does Your Credit Score Affect Your Insurance Rates? What Retirees Should Know
INSURANCE READ TIME: 6 MIN Does Your Credit Score Affect Your Insurance Rates? What Retirees Should Know Many U.S. insurance companies evaluate parts of a consumer’s financial history when setting prices for certain policies. One common tool is acredit-based insurance score, which is created using information from a credit report. It’s important to know that […]
What to Look for in an Extended-Care Insurance Policy
INSURANCE READ TIME: 4 MIN What to Look for in an Extended-Care Insurance Policy Planning for retirement often includes thinking about healthcare needs later in life. Anextended-care insurance policy—sometimes referred to as long-term care insurance—isdesigned to help cover certain services that may not be fully paid for by traditional healthinsurance or Medicare. These policies can […]
Term vs. Permanent Life Insurance: Key Differences to Understand
INSURANCE READ TIME: 4 MIN Term vs. Permanent Life Insurance: Key Differences to Understand Life insurance is often part of broader financial planning, especially for U.S. adults thinking about retirement and long-term household needs. While individual circumstances vary, industry research suggests many households may have less life insurance coverage than commonly cited income-replacement benchmarks. Understanding […]
Understanding Business Liability Risks from Social Media
INSURANCE READ TIME: 5 MIN Understanding Business Liability Risks from Social Media Social media has become a standard communication and marketing tool for many organizations, including small businesses and professional practices. While these platforms can support brand awareness and customer engagement, they may also introduce social media liability risks that are sometimes overlooked. For U.S. […]
SilverSneakers and Medicare: What Retirees Should Know
INSURANCE READ TIME: 5 MIN SilverSneakers and Medicare: What Retirees Should Know As U.S. adults approach retirement age, many begin exploring Medicare and the range of benefits that may accompany different coverage options. Alongside familiar components such as Medicare Part A, Part B, and Medicare Advantage (Part C), some plans may also include access to […]
The A, B, C, and D of Medicare: A Practical Overview
INSURANCE READ TIME: 3-4 MIN The A, B, C, and D of Medicare: A Practical Overview For many U.S. adults planning for retirement, Medicare is a core component of future health care planning. Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with qualifying […]
Long-Term-Care Needs
Long-Term Care Needs There are basically two approaches when considering your long-term care needs: self-insure or purchase long-term care insurance. Use this calculator to determine your potential long-term care needs and how long your current assets might last. Age, Savings and Assumptions Your current age (1 to 120) Age estimated to begin long-term care (1 […]
Disability Income
Disability Income Disability insurance is often overlooked, but it can play a critical role in your overall financial plan. This calculator may help you better assess your household’s “sources and uses” of money, which is one place to start when considering disability insurance. Monthly Income (if disabled) Spouse’s after-tax income ($) Investment income ($) Group/Individual […]
Lifetime of Earnings
Lifetime Earnings Many people have the potential to earn a small fortune during their working years. Yet some are unaware of how their annual income adds up over the years. This calculator, designed to help you estimate how much you may earn before you retire, could surprise you. Assumptions Current age (1 to 120) Retirement […]