Key Characteristics of Long Term Care Insurance

October 8th, 2013

Long term care insurance provides reimbursement of covered expenses for facility care and home care when the insured is unable to perform at least two of six activities of daily living (ADLs) as certified by a physician. These six activities are eating, bathing, transferring, toileting, continence, and dressing. Cognitive impairments such as Alzheimer’s disease also […]

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The Importance of Long Term Care Insurance

October 8th, 2013

Patricia M. Annino, Estate Planning Attorney, ACTEC Member,  Boston, Massachusetts Excerpt from Presentation, October 12, 2006 “And, I am a huge believer in long term care insurance even if you have the money to self insure. And the reason is…dignity.  I see what happens when families start to unravel, and people walk into my office […]

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Life Insurance Ideas to Make or Save Your Clients Money

September 30th, 2013

IDEA: Guaranteed Estate Planning Life Insurance with Premiums Reduced 20-30% –Universal Life Insurance with No Lapse Guarantees Are your clients with estate planning life insurance interested in the cash value of their estate planning insurance? Or, have they purchased this life insurance strictly for the tax free death benefit as a part of their overall […]

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Two Ways To Protect Yourself & Your Family Business in the Event of a Disability

September 30th, 2013

This article will offer you two simple and low cost steps to help maximize your protection in the event of a disability. In his January 2001 Family Business Center presentation, Attorney Mark Bradley indicated that the likelihood of a total disability is four times greater than death during your working years. However, disability planning and […]

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Who’s Managing Your Life Insurance Portfolio?

September 30th, 2013

A $1,000,000 portfolio of stocks and bonds is usually professionally managed and monitored on a monthly basis. Yet, we see people all the time with a life insurance portfolio of $1,000,000 or more that has not been carefully reviewed for many years. When was the last time you had your life insurance policies reviewed and […]

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Why You Should Offer Short Term Disability Benefits

September 30th, 2013

It will avoid workers’ compensation claims. If you offer Short Term Disability benefits, your employees know they have paycheck insurance when they are unable to work due to an accident or illness. If an employee gets hurt over the weekend, they will be less likely to come to work Monday and pretend they were injured […]

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The Family Long Term Care Insurance Decision

September 30th, 2013

Despite the recent economic downturn, more and more people of all ages are buying long term care insurance policies. You, too, may be wondering if long term care insurance is the smartest decisions for you and your family. In this article, a long term care industry specialist explains the key factors in making the long […]

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10 Ways To Reduce the Cost and Maximize the Value of Your Life Insurance

September 30th, 2013

I.INTRODUCTION Life insurance can be a very cost effective asset to reduce family and business financial risk due to death.  It can also be a very useful form of investment diversification on an after tax basis to create cash for unavoidable liabilities that occur at death or could be accelerated by death.  Examples include estate […]

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