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Insurance

risk management plan

Now that You Have Identified Your Risks, Can They be Avoided, Reduced or Insured?

Safeguarding Your Business with a Solid Risk Management Plan All business entities face risk.  Some aspects are insurable, while some are not. But just because it’s insurable, does that mean you should buy insurance?  Organizations today are transitioning from simply purchasing insurance to establishing a full risk management plan. Managing 4 Types of Risk Bruce […]

Fixed Index Annuities Basics

The ABCs of FIAs

A Conversation with Jim Poolman [Editor’s Note: Jim Poolman is Executive Director of the Indexed Annuity Leadership Council, a coalition of life insurance companies that offer fixed indexed annuities (FIAs). He outlined the benefits of this stable retirement savings vehicle for the readers of Financial Poise.] What are Fixed Index Annuities (FIAs)? FIAs are contracts […]

Long-Term Care

Long-Term Care Insurance: What People of All Ages Need to Know

Long-Term Care Insurance Protects You and Your Assets The biggest threat to one’s nest egg or the assets that he wishes to leave his loved ones is not necessarily a recession or tumbling stock market, but rather the debilitating march of time that could cause them to face the kind of chronic illness or disability […]

investing in life settlements

A Brief Overview of Investing in Life Settlements

The legality of investing in life settlements* (also referred to as a “life settlement”) traces back to a 1911 Supreme Court decision, Grigsby vs. Russell, 222 U.S. 149. In Grigsby, a life insurance company refused to pay out the death benefit proceeds on the grounds that the policy had previously been sold to a third party who had no insurable interest in the insured.

medical identity theft

Identifying Different Types of Medical Identity Theft: It Can Happen to You

Medical Identity Theft is a High Cost Crime Norah said she thought it was odd when she received a letter from her insurance company denying a $7,000 insulin pump. She wasn’t a diabetic. That letter should have been an alert that Norah had been a victim of medical identity theft. If you are denied insurance […]

special needs parents

Addressing the Various Needs of Special Needs Parents

The Unique Financial and Personal Needs of Special Needs Parents I remember being in the crowded elementary school gym one time, when people literally just stepped over my daughter while she was having a seizure, as though she were a bookbag. I remember standing in line at the grocery store hearing a woman complain bitterly […]

husband and wife

Life Happens, but Purchasing Disability Insurance is Intentional

Happy, without Purchasing Disability Insurance Daria and Daniel Diligent had it all figured out. Both were hard-working professionals — Daria a dentist and Daniel a pilot. Happily married and living in a beautiful home, they were raising twin girls with the peace of mind that they had planned for everything and anything. The Diligents researched […]

driving expenses

Driving Expenses Can Really Add Up, Do You Have a “Bumper-to-Bumper Reserve”?

You know that sickening feeling you get when you are happily driving along and a light on your dashboard pops up, indicating the need for some immediate repair? Or worse yet, when the lights that pop up are those of a police car stopping you for a known (or oftentimes unknown) motorist violation? You may […]

car accident information

Having Car Accident Information Beforehand May Help Your Headache After

Who’s at Fault? The Money Will Speak for Itself It’s really scary to be involved in a car accident. Having all your necessary car accident information ready to go before such an event occurs will help guide you and may provide some peace of mind amid the turmoil. The story I’ll present here will highlight […]

Damage Repair Scam Victims

Protect Your Money: Learn from Damage Repair Scam Victims

Michelle Gershfeld is a debt settlement and bankruptcy attorney who negotiates settlements between clients and their creditors. Michelle turns debt relief into an additional revenue stream for Personal Injury and Medical Malpractice lawyers. Through analyzing the debt and then bargaining and negotiating with the creditors,

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