Long-Term Care—Annuity Hybrids: New alternative to long-term care insurance

The prospect of paying costly premiums for long-term care insurance that you might never use might discourage you. Enter the long-term care annuity. An advantage of stand-alone long-term care insurance over a long-term care annuity is the fact that the medical expense [more...]

 
Disability Insurance Basics

The Fundamentals of Disablilty Insurance Disability insurance pays benefits when you are unable to earn a living because you are sick or injured. Most disability policies pay you a benefit that replaces a percentage of your earned income when you can’t work. [more...]