Uncontrolled wildfires have burned nearly 40,000 acres in Los Angeles over the past week. Western North Carolina saw thousands of homes devastated by flooding in the aftermath of Hurricane Helene in September 2024. More than 2,200 homes in Maui burned to the ground in August 2023. A four-state grouping of tornadoes destroyed thousands of Midwest homes just before Christmas in 2021.
Are you confident that if your home sustained damage from a fire or hurricane that your homeowners insurance policy would provide sufficient funds to rebuild?
Healthcare costs consume a growing share of retiree budgets over time. Because they typically rise at a rate higher than inflation, do healthcare expenses deserve their own bucket within the portfolio?Some experts say yes, that from a behavioral and financial...
As we get older and our health declines, the greater the chances are that we will require home care, nursing home care, or other assisted-living arrangements. This care is quite expensive, and Medicare, HMOs, and Medigap don’t pay for it. You might want to look into purchasing long-term care insurance (LTCI) to protect your assets in case you need long-term care.
Term Whole Life Universal Life Variable Life Variable Universal Life Premium Premiums increase at each renewal Level Flexible Level Flexible Coverage Usually renewable until at least age 70; sometimes to age 95 For life Death benefit Guaranteed Guaranteed May be...