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Umbrella insurance adds extra liability protection but it isn't for everyone. Learn who needs it and what it covers. The post What Is Umbrella Insurance and Do You Need It? appeared first on Boldin....
Long-term care (LTC) and insurance for it (LTCI) are two of the most misunderstood issues in retirement and retirement finances....
Lately, I’ve been thinking more about estate planning. Part of it is just getting older. Part of it is having young children I want to protect no matter what. And part of it is watching the unse...
How have others approached life insurance once they get closer to their retirement savings goal? I just crossed the $1 million mark in a 401k and expect to reach my goal in less than five years. Which...
Cheapest Car Insurance in Michigan: A Comprehensive Guide...
Cheapest Car Insurance in Florida: 2025 Guide...
Beyond a death benefit, life insurance can provide significant financial value and flexibility through 'living benefits' while you are still alive, helping with expenses like education, business ventu...
The costs of homeownership may continue to rise in retirement. Here's how to manage that....
Types of Car Insurance: The Ultimate Guide...
Cheapest Auto Insurance in California 2025: A Comprehensive Guide...
Texas Car Insurance: Cheap Deals in 2025...
Types of Car Insurance: The Ultimate Guide...
When you build a house, you never entertain the thought of skipping the fire alarms or skimping on the wiring. ... Read more...
Higher medical costs and insurance premiums are one of the unintended, unexpected effects of the new trade and tariff policies....
The 'healthcare desert' is real. We ask financial experts for advice....
Unless you have about $6,000 burning a hole in your pocket every month, you should make a plan in case you need long-term care. Luckily, you have options....
Are you a federally employed physician? Do you work for your state? If so, here are some of your options for disability insurance. The post Disability Insurance for Physicians Who Are Federal or State...
Two true stories show how health insurance saved early retirees over $200,000—and why it’s critical before you’re eligible for Medicare....
Obtaining health insurance before Medicare is critical but can be expensive. Learn about seven possible ways to get coverage and do your shopping....
Just wondering what option has worked well for retirees. I’m just turning 65 and this seems like a very difficult decision. Also wondering if anyone has switched back and forth from Advantage to...
There is nothing that bothers me more than a suggestion that WCI is selling out doctors. So, let's talk about a couple of recent accusations. The post Why You Have a 65% Lower Chance of Being Declined...
Private placement life insurance (PPLI) offers almost unbelievable investment flexibility, estate planning and tax advantages. And it's completely legit....
You don’t have to choose just one. Life insurance and Roth IRAs can work in tandem to provide retirement income....
Insurance is one of the easiest places to overspend, and most people don’t even realize it. Bad advice, outdated assumptions, and slick marketing drive up your premiums while leaving you with le...
Side products no more, life insurance and annuities can make financial longevity possible for clients at all AUM levels....
One of the biggest concerns about early retirement is how to afford healthcare without an employer-sponsored plan. It’s a valid worry, health insurance in the U.S. isn’t cheap, and medical...
Answering reader questions about Public Service Loan Forgiveness, looking for disability insurance as a resident, and what role bonds should play in your retirement. The post PSLF, Insurance, and Bond...
Insurers are raising premiums for a mix of reasons, many tied to shifting market conditions and increased costs. Here's what to do about it. The post What to Do When Your Insurance Rates Go Up: A Guid...
My wife and retired last year. My company paid COBRA runs out 2 months before I can apply for Medicare (3 months before birthday). We live 80 / 90% of the time in Greece with local private insurance. ...
In late 2022, my wife and I were finally able to lock in matching 20-year term life insurance policies at an affordable rate through Policygenius. For five years prior, I had been concerned that I wou...
Using an independent agent for auto and home insurance gives you a different channel for lower premiums. It's worth a try. Learn the Nuts and Bolts I put everything I use to manage my money in a book....
Today we answer a question from Sandi about how much umbrella insurance coverage you really need — especially as you approach retirement. We discuss why someone might choose a $2 million policy,...
If your insurer refuses to pay for a treatment or procedure that you believe should be covered, use our guide to appeal....
Protective gear is like the disability insurance in your financial plan. You don't expect you're going to need it. But you might. The post Why You Need Disability Insurance (and I Need Shoulder Pads) ...
My experience with my father's long-term care insurance company has not been an easy one. But I've learned quite a few lessons. The post Financial Lessons from My Family’s Experience with Long-T...
Among the ideas on the table: Simplifying the benefit structure and switching from a cash benefit to one that reimburses people for their out-of-pocket expenses....
Residency comes with unique financial challenges. Still, renters insurance is an affordable and practical protection that is much needed. The post Life Changes and Renters Insurance Needs: How Residen...
I (54yo) have term life insurance through age 60. My target retirement is tentatively 61yo. By this age I will have a military pension, VA disability compensation, and over 1 million in 401K/IRA. My u...
Answering questions about whether you can have an HSA and FSA at the same time, and we take a deep dive into malpractice insurance with information about lizard tails, veto clauses, and hammer clauses...
Savvy docs consider disability insurance their most important insurance policy. Here are 12 reasons why residency is the best time to buy it. The post Top 12 Reasons to Buy Disability Insurance as a R...
The cost to employers of providing their workers with health insurance has remained fairly stable for years. At first blush, this seems like good news for workers. When benefit costs rise, employers t...
If you're looking to lower the cost of how much you pay in homeowners insurance premiums, here are some tips to think about. The post How to Reduce Homeowners Insurance Costs Without Sacrificing Cover...
Insurance expert Mike Smith breaks down how long-term care health insurance options have evolved in 2025 to provide a wider variety of coverage choices in retirement....
A common question from female docs is whether disability insurance covers pregnancy-related issues. The short answer is no and yes. The post Pregnancy Disability Insurance appeared first on The White ...
Don’t ignore the threat of long-term care expenses since they seem so far away; everybody needs a strategy to address this threat....
I hadn't shopped around for insurance in decades, so I took some time and went through Farmers Insurance Choice to see if I could save money. The post I Hadn’t Shopped for Insurance in Decades &...
ProFeds Founder, Chris Kowalik, explores the rules for keeping various government insurance programs such as health (FEHB), life (FEGLI), dental and vision (FEDVIP), and long term care (FLTCIP).). KEY...
Regularly reviewing the types and amounts of insurance coverage is essential for a comprehensive financial plan....
Answering reading questions about tail insurance coverage, annuities and whole life insurance and why you should avoid these products, and the implication of property tax and home insurance. The post ...
Contingent deferred annuities represent product manufacturers' latest appeal to independent RIA advisors and their clients. Here's how they're making the case....