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What happened to my Cadillac Long Term Care Policy?

The old days of the consumer friendly “Cadillac” long term care policies are unfortunately over.  But that doesn’t mean that there still aren’t really exciting long term care insurance opportunities for you out there.  Some of the newer life insurance policies have some very attractive long term care riders that are available.  For instance, if  Click to Continue

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LTC and Nursing Home Benefits with Annuities

People are living longer these days.  That also means health care cost will not only last longer, but are also increasing each year.  The average stay in a nursing home these days is 3 years.  It absolutely makes all the sense in the world to purchase long-term care (LTC) insurance if you don’t already.  But  Click to Continue

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A Unique Solution for Wealth Transfer and Qualified Funds

I want to discuss today about an alternative for transfer of wealth for one’s qualified funds.  With the many annuity and life insurance carriers out there in the Industry, only a very limited handful of carriers provide this unique solution for this type of client.  The goal is simply to convert the qualified funds (Tax  Click to Continue

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Confidence is Key When Planning for Retirement

Vanguard’s How America Saves 2013 Report was recently released and showed an increasing trend of investors turning their portfolios over to a financial professional instead of making investment decisions themselves. According to the report, the number of participants invested in a professionally managed program more than doubled by the end of 2007. This is showing  Click to Continue

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An Annuity Alternative for Wealth Transfer

There are a handful of scenarios where an annuity would be a great fit a consumer.  One of the more popular needs today is wealth transfer.  Consumers want to just leave their money to heirs, and allow it to grow better than a CD.  Annuity carriers now provide “enhanced death benefits” to generate guaranteed growth  Click to Continue

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