Retirement Insurance & Health

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  1. High-Deductible Health Plan - HDHP

    A high-deductible health plan is health insurance with a high minimum deductible for medical expenses that must be paid before ...
  2. Health-y Savings Accounts

    Health savings accounts (HSAs) can provide a great way to save for retirement and medical expenses.
  3. Central Provident Fund - CPF

    The Central Provident Fund (CPF) is a mandatory benefit account set up to provide Singaporeans with a comprehensive retirement ...
  4. HSA: The Premier Investment Account

    Millennials would be smart to take advantage of the everything a health savings account has to offer.
  5. What happens to insurance policies and variable annuities if the insurance company itself goes bankrupt - do the policyholders get anything out of it?

    There are state guaranty associations and state-run funds that help pay the claims from policies if the insurance companies ...
  6. Credit Life Insurance

    Credit life insurance is a policy designed to pay off a borrower's debt if the borrower dies.
  7. Uniform Policy Provisions, Health Insurance

    Uniform policy provisions are a set of clauses that state regulations require or allow insurance companies to include in ...
  8. Disability Insurance Trust Fund

    The Disability Insurance Trust Fund pays Social Security benefits to those incapable of gainful employment, and to their ...
  9. Group Health Insurance Plan

    A group health insurance plan offers coverage at a lower premium than an individual plan and is available to employees of ...
  10. John R. Coomber

    John R. Coomber has been a leader in the global insurance industry over the past thirty years, with CEO tenures at Swiss ...
  11. Saving Your Health Savings Account for Retirement

    Use the following strategies to get the most out of your HSA in retirement.
  12. Life Insurance vs. IRA for Retirement Saving

    Sure, you can tap your permanent life insurance policy to help fund your retirement. But in most cases, an IRA is the better ...
  13. How to Take Advantage of an HSA Account

    If you are eligible for a Health Savings Account, be sure to take full advantage of what it offers.
  14. Pension Risk Transfer

    Pension risk transfer is when a defined benefit pension provider offloads the risk and retirement payment liabilities to ...
  15. A Couple's Guide to Healthcare Costs in Retirement

    Most health-expense planning is based on the individual, but couples can learn how to enjoy retirement without worrying about ...
  16. L Share Annuity Class

    The L share annuity class is a common share class offered by a variable annuity that has a short surrender period but with ...
  17. Living and Death Benefit Riders: How Do They Work?

    Find out how living and death benefit riders work, and which type is right for you.
  18. Pension Maximization

    Pension maximization is a risky retirement strategy for couples that seeks to secure the best annuity payout and balance ...
  19. Watercraft Insurance

    Watercraft insurance, also known as boat and personal watercraft insurance, provides coverage for towing, wreckage removal, ...
  20. Adjustment Income

    Adjustment income is an insurance benefit intended to provide financial support for a beneficiary after the death of the ...
  21. Chartered Advisor for Senior Living (CASL)

    Chartered Advisor for Senior Living (CASL) is a professional designation for individuals whose advice helps older clients ...
  22. Life Option

    Life option refers to an annuity payout scheme which guarantees payouts to the annuitant until their death, regardless of ...
  23. Medicare Advantage

    Medicare Advantage is a type of hospital and medical insurance provided by private companies instead of the federal government.
  24. Bureau Rate

    The bureau rate is a unit-based insurance pricing guideline that state regulators publish based on actuarial and pricing ...
  25. Adjusted Premium Method

    The adjusted premium method is a common formula that insurance companies use to calculate the cash surrender value of a life ...
  26. Honesty Bond

    An honesty bond is posted by an organization or professional to ensure the honesty and integrity of the bond issuer and/or ...
  27. Cestui Que Vie

    Cestui que vie refers to an individual with a right to property and the income and profits that the property provides.
  28. Add To Cash Value Option

    An add to cash value option is a life insurance policyholder's choice to add accumulated cash value to the policy's death ...
  29. Breeder's Insurance Policy

    A breeder's insurance policy provides protection against damage, theft or loss of bred animals.
  30. United States Government Life Insurance (USGLI)

    United States Government Life Insurance was established in 1919 to provide term, permanent and endowment insurance up to ...
  31. No-Load Life Insurance

    No-load life insurance is a type of life insurance that charges much lower fees and expenses than conventionl life policies.
  32. Catastrophe Futures

    Catastrophe futures are futures contracts used by insurance companies to protect themselves against future catastrophe losses. ...
  33. Joint-Life Payout

    A joint-life payout is one of two options normally available for retirees to choose as the method of payout for their employee ...
  34. Portable Benefits

    Portable benefits can transfer to a new employer's plan or to an individual who is leaving the workforce.
  35. Trust-Owned Life Insurance (TOLI)

    Trust-owned life insurance is insurance that resides inside a trust. It is used by many high net worth individuals as the ...
  36. Legacy Costs

    Legacy costs are ongoing costs arising from spending that does not increase revenue. Pension plans are a prime example of ...
  37. Guaranteed Earning Increase Death Benefit

    A guaranteed earning increase death benefit is a type of option that annuitants can purchase for their retirement annuities. ...
  38. Life Expectancy Method

    A life expectancy method calculates IRA payments by dividing the balance of a retirement account by the policyholder's anticipated ...
  39. Waterfall Concept

    A waterfall concept is a method of intergenerational wealth transfer that utilizes a rollover of a life insurance policy ...
  40. Adjustable Premium

    An adjustable premium is an insurance premium that can change over time based on a policy that is agreed to at the outset ...
  41. Pension Benefit Guaranty Corporation - PBGC

    Pension Benefit Guaranty Corporation - PBGC is an agency guaranteeing payment of private pension benefits for plans terminated ...
  42. Hospital Insurance Trust Fund

    The hospital insurance trust fund is part A of Medicare, the United States' health insurance program for people age 65 and ...
  43. The Medicare Catastrophic Coverage Act of 1988 (MCCA)

    The Medicare Catastrophic Coverage Act of 1988 (MCAA) is a government bill designed to improve acute care benefits for the ...
  44. Accountable Care Organizations

    Accountable care organizations are provider networks designed under the Affordable Care Act to improve cost efficiency and ...
  45. Advance Directive

    An advance direction is a document expressing a person's wishes about critical care when he or she is unable to decide for ...
  46. Incidents of Ownership

    A person has incidents of ownership if they can change beneficiaries on a life insurance policy, borrow from the cash value, ...
  47. Qualified Personal Residence Trust (QPRT)

    A qualified personal resident trust is a specific type of trust that allows its creator to remove a personal home from his ...
  48. Cleanup Fund

    A cleanup fund is an insurance term referring to the final expenses associated with an individual after his/her death.
  49. Without Evidence of Insurability

    Without evidence of insurability refers to an insurance policy issued without requiring proof that the beneficiary is eligible ...
  50. Issue Age Policy

    Issue Age Policy refers to an insurance policy whose rate is dependent on the age of the individual who purchases it.
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