Retirement Insurance & Health

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  1. Mortality And Expense Risk Charge

    A mortality and expense risk charge is a variable annuity fee that compensates insurance companies for risks and expenses ...
  2. Hurricane Deductible

    A hurricane deductible is the amount a homeowner must pay before insurance will cover the damage caused by a hurricane.
  3. Insurance Risk Class

    An insurance risk class has similar characteristics, which are used to determine risks of underwriting a policy and the premium ...
  4. Long-Tail Liability

    A long-tail liability is a type of liability that carries a long settlement period.
  5. Accumulated Value

    Accumulated value is the total amount an investment currently holds, including the capital invested and interest earned to ...
  6. Policy Loan

    A policy loan is issued by an insurance company that uses the cash value of a person's life insurance policy as collateral.
  7. Life insurance versus annuity

    Are you thinking of buying insurance? There are certain scenarios in which investing in insurance is a savvy move. But expect ...
  8. Surrender Charge

    A surrender charge is a fee levied on a life insurance policyholder upon cancellation of their life insurance policy.
  9. Adjusted Earnings

    Adjusted earnings are the sum of earnings and increases in loss reserves, new business, deficiency reserves, deferred tax ...
  10. Creating a Formal Plan for Long-Term Care

    Talking about long-term care is never fun, but it's best to do it before it becomes a necessity.
  11. Hazard Insurance

    Hazard insurance protects a property owner against damage caused by fires, severe storms, earthquakes or other natural events.
  12. Aggregate Stop-Loss Insurance

    Aggregate stop-loss insurance is an insurance policy that limits claim coverage (losses) to a specific amount.
  13. Underwriting Fees

    Underwriting fees are monies collected by underwriters for underwriting services.
  14. Unsolicited Application

    An unsolicited application is a request for life insurance coverage that is made by an individual rather than an insurance ...
  15. Credit Insurance

    Credit insurance is a type of insurance that pays off one or more existing debts in the event of a death, disability, or ...
  16. Passive Income

    Passive income is earnings derived from a rental property, limited partnership or other enterprise in which a person is not ...
  17. Annual Premium Equivalent (APE)

    Annual premium equivalent (APE) is a common sales measure technique used by insurance companies in the United Kingdom.
  18. Accelerated Death Benefit (ADB)

    An accelerated death benefit (ADB) allows a life insurance policyholder to get cash advances against the death benefit if ...
  19. Mortality Table

    A mortality table shows the rate of deaths occurring in a defined population during a selected time interval or survival ...
  20. Elimination Period

    Elimination period is the length of time between when an injury or illness begins, and receiving benefit payments from an ...
  21. Strategies to use life insurance for retirement

    Here's how to incorporate life insurance into a plan to ensure that you and your family have the smoothest possible transition ...
  22. Medicare: Understanding the Basics

    Understanding the basics of Medicare can help you plan for the benefits you should expect to receive.
  23. All Risks

    All risks is a type of insurance coverage that automatically covers any risk that the contract does not explicitly omit.
  24. Chartered Life Underwriter (CLU)

    A chartered life underwriter (CLU) is a professional designation for individuals who wish to specialize in life insurance ...
  25. Uninsurable Risk

    Uninsurable risk is a condition that poses unknowable or unacceptable risk of loss.
  26. Guaranteed Renewable Policy

    A guaranteed renewable policy obligates the insurer to continue coverage as long as premiums are paid on the policy.
  27. How Life Insurance Can Provide Retirement Income

    Universal life insurance can generate tax-free retirement income. Here's how.
  28. Section 7702

    Section 7702 of the United States Internal Revenue Code defines what the federal government considers to be life insurance ...
  29. Accidental Death Benefit

    The accidental death benefit is payment due to the beneficiary of an accidental death insurance policy, which is often a ...
  30. Period Certain

    Period certain is a life annuity option that allows the customer to choose when and how long to receive payments, which beneficiaries ...
  31. Rejuvenate Your Life and Career With a Sabbatical

    Sometimes a one-week vaction isn't enough. Learn the pros and cons of an extended break.
  32. Fringe Benefits

    Fringe benefits are additional compensation provided to an employee or partner by an employer, such as health insurance, ...
  33. Immediate Family

    The immediate family is a person's smallest family unit, consisting of the closest relatives, such as parents, siblings and ...
  34. Medicaid Vs. Medicare

    Medicare and Medicaid may sound similar, and while both help pay for health care expenses, Medicaid doesn't require being ...
  35. 3 Financial Planning Steps for New Families

    Whether you are an expectant parent, thinking about having a child, or already have a young child, think through these three ...
  36. How to Protect Your Portfolio From a Market Crash

    Although market crashes are usually bad news for your portfolio, there are ways to handle them.
  37. Which of the Following Accounts Does ERISA Cover?

    A—IRA, B—State employee pension plan, C—Corporate defined-benefit plan, D—Coverdell savings account.
  38. What Will Your Long-Term Care Look Like?

    As much as we don't want to talk about it, it's important to have a long-term care plan.
  39. 6 Late-Stage Retirement Catch-Up Tactics

    It's not too late, but if you want to retire comfortably you'll have to be aggressive.
  40. Understanding Medicare Part D Risks

    The biggest Medicare Part D risk is not having the right plan to cover the prescription drugs you need. And there are others. ...
  41. 7 Common Questions and Answers About HSAs

    Knowing the answers to these seven health savings account questions can help you use yours properly.
  42. The Real Benefit of a High Deductible Health Plan

    Why the health savings account is the biggest benefit of having a high deductible health plan.
  43. ‘Retired’ Too Soon? How to Reenter the Workforce After 50

    Here's what you need to know to survive financially and reenter the workforce when you're over 50 and a layoff has forced ...
  44. Irrevocable Life Insurance Trust: Protect Your Estate

    Use an irrevocable life insurance trust to protect your benefits from creditors and taxes.
  45. Are return-of-premium riders worth it?

    Find out if this policy coverage will put money in your pocket, or cost you in the long run.
  46. 4 Medicare Open Enrollment Mistakes to Avoid

    Avoid these 4 mistakes during the Medicare Open Enrollment period (Oct. 15 to Dec. 7).
  47. Custodial Care

    Custodial care is non-medical care recommended by a medical professional that helps individuals with their daily basic care, ...
  48. Mark Your Calendar for Medicare Open Enrollment

    Medicare open enrollment is a time to review your current plan and decide if another plan is better.
  49. This Is Why People Flunk Retirement

    Many people are making these mistakes and putting their retirement in jeopardy.
  50. Ask Anne: Can An HSA Help Me Save for Retirement?

    Anne encourages you to take a look at health savings accounts (HSAs), a new savings option from many employers, during this ...
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