Retirement Insurance & Health

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  1. How to Pay for Healthcare in Retirement

    Learn about the different ways to pay for healthcare in retirement and the importance of discussing them with a financial ...
  2. Medicare 101: Do You Need All 4 Parts?

    At age 65, most people have to sign up for Medicare. Here is more information about which of its four programs are mandatory ...
  3. What's the Difference Between Medicare and Medicaid?

    Medicare is designed to help with long-term care for the elderly, while Medicaid covers healthcare costs for the poor. Read ...
  4. Why Retirees Have to Talk About Long-Term Care

    With long-term care needs increasing and costs soaring, retirees should not be avoiding the topic.
  5. 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 ...
  6. Top 5 Strategies to Pay for Eldercare

    The cost of a nursing home, assisted living facility or home care can be ruinous. Try these routes to help seniors qualify ...
  7. The Retirement Benefits of Health Savings Accounts

    In addition to providing a tax efficient way to pay for healthcare costs, Health Savings Accounts can also be used for retirement. ...
  8. Life Insurance in a Qualified Retirement Plan

    The opportunity to pay life insurance premiums with pre-tax dollars is appealing, but the additional costs of requirements ...
  9. How Payroll Deductions Pay Off

    Those who pay work related expenses can save literally thousands on their taxes by establishing an FSA account and making ...
  10. Can you fund non-qualified deferred compensation plans with life insurance?

    Understand if a person can fund non-qualified deferred compensation plans with life insurance. Learn what types of plans ...
  11. Long-Term Care Planning: It’s About Family

    More than 70% of retirees require long-term care, but few have a plan in place. The resulting burden is more than financial.
  12. Without Evidence of Insurability

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

    Issue-age policy refers to healthcare insurance whose premium rate is dependent on the age of the individual who purchases ...
  14. Benefit Period

    The benefit period is the length of time during which a benefit is paid, from an insurance policy or a government program ...
  15. Medicare Supplementary Medical Insurance (SMI)

    Medicare supplementary medical insurance (SMI) is private insurance sold to complement original Medicare coverage and is ...
  16. Medical Savings Account (MSA)

    A Medical Savings Account (MSA) was a forerunner of a Health Savings Account (HSA) and had similar deductibles, IRA status, ...
  17. Disability Insurance Trust Fund

    The Disability Insurance Trust Fund is one of two Social Security Trusts which pays benefits to individuals incapable of ...
  18. 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 ...
  19. Health-y Savings Accounts

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

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

    Millennials would be smart to take advantage of the everything a health savings account has to offer.
  22. 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 ...
  23. Credit Life Insurance

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

    Uniform policy provisions are a set of clauses that state regulations require or allow insurance companies to include in ...
  25. 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 ...
  26. 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 ...
  27. Saving Your Health Savings Account for Retirement

    Use the following strategies to get the most out of your HSA in retirement.
  28. 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.
  29. Pension Risk Transfer

    Pension risk transfer is when a defined benefit pension provider offloads the risk and retirement payment liabilities to ...
  30. 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 ...
  31. 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 ...
  32. 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.
  33. Pension Maximization

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

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

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

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

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

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

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

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

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

    Cestui que vie refers to an individual with a right to property and the income and profits that the property provides.
  43. 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 ...
  44. Breeder's Insurance Policy

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

    United States Government Life Insurance was established in 1919 to provide term, permanent and endowment insurance up to ...
  46. 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.
  47. Catastrophe Futures

    Catastrophe futures are futures contracts used by insurance companies to protect themselves against future catastrophe losses. ...
  48. 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 ...
  49. Portable Benefits

    Portable benefits can transfer to a new employer's plan or to an individual who is leaving the workforce.
  50. 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 ...
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