Life Insurance

need gap

The Need Gap

“According to the 2022 Insurance Barometer Study, conducted by LIMRA and Life Happens, 106 million adults lack life insurance, or adequate coverage. The need gap, what people have versus what they said they need, is at an all-time high and more than double what it was 12 years ago. The percent of households that say …

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A Tax-Smart Way to Leave Money to Charities and Your Family

As the famous idiom goes, “In this world, nothing is certain except death and taxes.” And, while death may be a certainty, some taxes actually might not be. The tax implications of your charitable contributions and what you leave to your heirs might not be a concern you have thought about a lot. However, it …

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Don't shy away

Don’t Shy Away

A recent study found that “33 percent of people don’t think they would qualify for life insurance.” We hope you aren’t shying away from discussing the topic of life insurance because you think the same way! Purchasing this type of insurance is a big deal, but most likely necessary to make sure your family has …

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do I need life insurance in retirement

Do You Really Need Life Insurance In Retirement?

Most people understand the reasons for having life insurance during their working years. But, sometimes people wonder, “Do you really need life insurance in retirement?” Fair question. In some cases, people obtain life insurance in their working years. First, they do this to protect their household income. If one spouse dies, for example, the idea …

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Insurance needs change when you retire

This week’s article reminds us that “Senior insurance needs are different. Time to drop the disability coverage and review your other plans.” The most obvious insurance retirees need to maintain is health insurance. While most seniors age 65 and older are eligible for Medicare, Medicare doesn’t cover 100% of medical costs.” Knowing this, it is …

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