Archive for June, 2009
Affordable Dental Plans
It is often the case that when talking about health insurance, I am asked about dental insurance. Traditionally, excellent dental plans could be found in the over 10 employee group market, but plans were not available that I wanted to recommend to the smaller group market or individuals/families.
Why? Because the plans differed by size. Plans [...]
Pre-Planning … not something to be avoided.
Planning for things we’d sooner avoid, is never a job anyone finds time to undertake. I personally do not like to file papers. Of course, I am awash in papers, and they don’t file themselves. So typically, I will let them pile up until I “dig in” and then I swear I’ll never do that [...]
Why Insurers are taking TARP funds … and how I view it.
If an insurance company is accepting TARP funds it probably means two things; 1) they went out and bought a bank somewhere so they could get in on “the deal” and 2) they mishandled their annuity portfolio. In other words, they guessed wrong. Just consider all the companies who have NOT done this.
Insurance has long [...]
Options for college planning.
In these economic times, what should a parent do to plan for their child’s college costs? One solid planning tool and, in my opinion, one of the safest options is an old fashioned “whole life” plan.
Life insurance rates going up …
Ever since I entered the insurance business (1978) I have seen term life insurance get less and less expensive. This was due to many factors, but the largest factor is term insurance is for … well a “term”, that is a set number of years and then people did not keep it. With advances in [...]
