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Insurance

Disability Insurance: an Overview

When it comes to issues of health-related financial risk, the importance of disability insurance is often sorely underrated.  In reality, holding a less-than-appropriate amount of disability insurance can be just as financially devastating as purchasing the improper amount of life insurance.  However, disability insurance receives much less airtime from the financial media and other “experts”.    What is it? Disability insurance protects against the interruption of income due to illness or injury. Because many employers offer

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Long Term Care Insurance: An Overview

Much of today’s population will eventually require some form of long term medical or personal assistance care as they age. How these people receive and pay for services will drive their long term care (LTC) experience.  Even if you think you are well versed in the ins and outs of LTC, you might be surprised to know that long term care includes a surprising range of services and complexities. Long term care support may occur

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Property & Casualty Insurance: An Overview

Property and casualty insurance protects the things you own while also providing liability coverage if you’re responsible for an accident that causes damage or injury to someone else.  Though property and casualty appears relatively straightforward, it’s easy to miss the mark when securing this type of policy. An especially apt maxim when choosing a property and casualty provider is the tried but true, “You get what you pay for.”  While some carriers consistently earn high

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Umbrella Liability Insurance: An Overview

Umbrella liability coverage is a crucial but often overlooked piece of a financial wellness plan. Its purpose is to protect your assets from major claims and lawsuits by providing liability insurance in excess of the limits of your homeowners’ or automobile policy.  An umbrella policy may also provide initial or additional insurance for circumstances other policies may exclude, including false arrest, libel, slander, and invasion of privacy. You are likely covered against liability at a

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