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{2:30 minutes to read} Attention business owners, HR directors, and CFOs. As you design your employee benefit packages for the coming year and review your existing plans, we find many times people are treating the disability income insurance as the red-headed step child.
{1:20 minutes to read} Many people are trying to manage life insurance policies, whether they’re policies on their own life, or policies in a trust for which they are a trustee. You have to make the best policy decisions.
The world of long-term health care continues to rapidly evolve as people are living longer and longer, and retirees face challenges regarding how best to protect their wealth from the cost of long-term care.
That ripple effect is an analogy I want to utilize in our discussion about what happens to a family when they properly protect themselves with permanent life insurance – and in particular, whole life insurance.
Why would well-educated, smart, successful, wealthy people buy life insurance? If somebody dies, there is plenty of money for the family. Life insurance for the wealthy is a tool with a multitude of uses.
We’re going to talk about some provisions of the term life insurance policy that many people have.
I want to introduce to you a type of disability insurance for big earners, people that make in excess of $800,000 or $1 million a year. This would include high net worth people such as athletes and entertainers.
Today I wanted to introduce an article containing an interview of a very dear friend and colleague of mine, Mr. Evan Schwartz of the law firm, Quadrino Schwartz. Evan has a national practice that specializes in the litigation of disability claims.
What are the different types of disability insurance that somebody can purchase? A lot of times people just think it is individual income replacement in the event that someone becomes too sick or hurt to work. However there are a variety of different types of disability insurances that a person can choose to purchase if they qualify, and each of these disability policies solves a different need.
If you ask people, especially highly compensated employees, about their group disability plan at work, most of them shake their heads and say “I’m good, I’m set, I have it.” But they don’t really understand how their group Long Term Disability (LTD) Plan works in the same way that they understand their group health and 401(k).
