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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 Bad advice, outdated assumptions, and slick marketing drive up your premiums while leaving you with le...
An interview with disability insurance attorney Ben Glass, who talks about what makes for a strong disability claim, when you might need to get an attorney involved, and what mistakes he has seen docs...
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...
This month, the National Academy of Social Insurance (NASI) released “Social Security at 90: Policy Options for Strengthening the Program’s Finances and Avoiding Automatic Benefit Cuts.&rd...
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....
Your time is valuable, and so is doing things right. So get yourself a payroll service, bookkeeper, tax pro and insurance broker–and keep multiple lawyers on speed dial....
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) ...
In determining your retirement benefits from Social Security, as well as those of any dependents who may claim benefits based upon your record, the Primary Insurance Amount, or PIA, is an important fa...
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...
I’m 3 months away from retiring at 59.5. Can’t wait, but feel I need to stick it out until then so can be on COBRA for 1.5 years then start private insurance at start of 2027. (also waitin...
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 ...
Hey all, I’m a few years out from retirement and I’m paying off things, saving for the insurance shortfall until Medicaid kicks in, etc. I’m throwing most of my “extra” m...
The insurance provider will join the platform's Workday Wellness...
Contingent deferred annuities represent product manufacturers' latest appeal to independent RIA advisors and their clients. Here's how they're making the case....
If I don't continue at my current job, I'll need health insurance for approximately 1-1.5 years until Medicare is an option at 65. Cobra is expensive, so what have others here with perhaps similar sit...
Since its inception in 1935, Social Security has expanded its mission and reach. Here is how each president from Roosevelt to Trump has impacted Social Security....
The consequences of burnout extend beyond the emotional toll; they also raise questions about disability insurance's role with mental health. The post Mental Health, Physician Burnout, and Disability ...
If you don't buy long-term care insurance, how can you plan to cover your long-term care needs once they (most likely inevitably) arise?...
Insurance is a smart way to protect your car, home, and family. But overpaying for it? That’s money better spent on your dreams and priorities. Many people settle for overpriced policies simply ...
There’s a gap most people have in their insurance plans, and it eventually could cost them a bundle....
A recent Supreme Court decision in Connelly v. United States has sent shockwaves through closely held businesses employing life-insurance-funded redemption-type buy-sell agreements. In this episode, w...
Owning a car is becoming more expensive, with the December 2024 Consumer Price Index revealing soaring motor vehicle insurance costs....
My husband carries the insurance and will retire at 64. I’m retired early due to an injury and I’m collecting SS I’m 64 in April. My question..if he retires at 65 in January, I will ...
Cheapest Car Insurance in Ohio 2025: Get the Best Rates Today...
Putting together a team of advisers to assist with insurance, taxes and other financial issues can help with security, growth and peace of mind....
My wife and I are 62 & 63 respectively. Our kids are grown, out of the house and employed. Our house is paid off, and we have no debt. For 20 years, my wife & I had level plan term life insura...