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Articles

Disability Income Insurance: Protecting Your Most Valuable Asset

Have you ever wondered how you would manage financially if you were to sustain an injury or illness that left you unable to work? How long could you maintain your standard of living, pay your bills, and cover your daily expenses? The likelihood of such an event may be greater than you think. According to the Council for Disability Awareness (2013), Americans underestimate their chances of experiencing a long-term disability: 64% of working Americans believe they have a 2% or less chance of being disabled for 3 months or more during their working years; however, the reality is that the odds of experiencing a long-term disability are about 25%.

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Important Steps in Preserving Your Estate

If you are like most people, wills, trusts, life insurance, disability income insurance, and advance directives are topics you would just as soon avoid. Yet, timely planning is necessary to preserve the assets you have worked so hard to accumulate and to protect your loved ones. Here are some important steps you can take now to help ease your family’s emotional and financial burden in the event of your death:

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Assigning Your Life Insurance Policy

Getting approval for a loan can sometimes depend on, for example, a lender asking a borrower, “How will this loan be repaid in the event of your death?” Your answer may be to assign your life insurance policy, a useful feature that can help provide necessary security for a lender.

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Life Insurance: Adapting to Changing Needs

When Jennifer purchased her life insurance policy 10 years ago, she assumed that her life insurance planning was complete. She thought that if she just paid her premiums on time, she could sit back and not worry about life insurance any more. Jennifer’s policy has provided protection for herself and her family over the years. But letting her insurance program run on autopilot may not be the best route to take in the long run.

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Preparing your Estate Plan for the Changes in Tax Rules

Federal estate tax laws have changed extensively over the past decade, and this constant flux can make it hard to know when to adjust your estate plan and what changes to make.

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Securing a Business Loan with Term Life

As a business owner, you have probably worked long and hard to build a successful company. Yet, even when profit projections look promising and a project is backed by a sound business plan, your banker may be reluctant to lend the funds necessary for expansion, particularly if the success of your venture depends too heavily on you.

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Is an Annuity Right for You?

When it comes to your retirement, there are three factors that you may want to take into account when planning for your retirement income needs.

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Planning for a Long Retirement

Americans are living longer than ever, thanks to advances in health care, improved diets and better exercise. About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95, according to data from the Social Security Administration.

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