Term Life Insurance Comparisons – The Number One Best Way to Compare Term Life Plans! Do you need term life insurance, but don't know where to start? Need to make those important decisions, but don't know where to look? Don't worry, there is an extremely easy way to find the best term life insurance policy for you. Here is the number one best way to compare term...more
Term Life Insurance Quote – Getting the Proper Insurance to Protect Your Family is a Must! Are you looking for life insurance and you are not sure what you should get to cover your family? Do you want to find a way to get what it is you need when it comes to insurance to protect your life? There are many ways to deal with quotes on insurance and you can start with a term life insurance quote. Here is what you must...more
Long Term Care Insurance – A Sure Bet in an Unsure Economy Upon closer inspection though, smart money says Long Term Care insurance has never made more sense. The uncertainty of the financial and real estate markets is the exact reason an already shrewd purchase is now almost mandatory. Reality is about 50% of us will end up in a long-term care situation. We all know the statistics, so let's concentrate on the logic of buying now. Most experts agree that, in time, our real estate values and our investments will recover. History tells us that is the case. But, how much time? The problem is our health can change in an instant, ready or not. Unexpected sicknesses and injuries happen every single day…Regardless of the economy. An uninsured LTC claim has always been a costly mistake, but never as costly as it would be today.http://www.terminsurance.pannipa.com/2009/11/long-term-care-insurance-a-sure-bet-in-an-unsure-economy/Suddenly, a loved one has a stroke and needs constant care at home or in a facility at an average cost of $70,000 per year. Where does that money come from? You guessed it, from your assets. Now, the uninsured family must liquidate their...more
How to Differentiate a Good Long Term Care Insurance Policy From a Bad One The market is chock-full of all sorts of long term life assurance policies and it can take lots of time and effort to find out which is the best. Most people, including senior citizens, opt for a straightforward and good long-term insurance policy to avoid...more
Long Term Care Insurance Cost – What Determines the Cost? Studies show that most of us are going to need long term care at some point in our lives. Keep in mind that long term care does not necessarily mean care for the rest of your life. Long term care needs can stem from an automobile accident in which your injuries may only be...more
Long Term Care Insurance – Don't Hurt Yourself, Get These Facts There are lots of misconception about long term care and the insurance policy that provides coverage for it. These misconceptions come with grave consequences and because of this we'll go through some misconceptions that are often touted as truths…http://www.terminsurance.pannipa.com/2009/11/long-term-care-insurance-dont-hurt-yourself-get-these-facts/1. Health insurance and Medicare will take care of your long term care needs? Yes, depending on your situation and your policy terms, you'll get coverage for some time — Typically for the first few weeks and nothing more.2. But I'm young. Can't it wait until I'm at least 50? Yes, if you do NOT have a history of health conditions that trigger the need for long term care in your family. No, statistics show that about 40% of those on long term care are between 18 and 64.Most people require long term care because of age-related issues. However, things like an auto crash, a bad fall, sports injuries, surgeries and such could also make a person require such care even though they are still young.3. What if I want to self-insure (That is, pay out of my...more
Finding Cheap Whole Term Life Insurance Life insurance is a tricky game, and finding the type of coverage you actually need seems impossible at the start. For many of those looking for insurance who choose whole, term life insurance...more
Long Term Care Insurance – Act Now Before it is Too Late We generally do not think about long-term care until and when we experience it in our lives. Oftentimes it takes the form of a loved one (typically a parent) who becomes...more
Term Life Insurance for Hazardous Occupations Those who choose to really live life on the edge need to make sure they have adequate life insurance coverage as the risk for losing their lives goes up dramatically. One of the biggest...more
Guide to Long Term Care Insurance According to the U.S. Department of Health and Human Services about 9 million Americans, now 65 or older, will require long term care. HHS expects that number to rise by 25 percent to 12 million by...more
Long Term Care Insurance in Nursing Home Costs Many people believe that long term care is only for elderly individuals. This is not the case. In fact, this type of insurance is often administered to individuals with disabilities and...more
Getting A Term Life Insurance Quote At some point or another in our lives, we often find that there is the need for life insurance. Deciding which company to approach to find the best policy can be quite intimidating. To locate the...more