Market Value vs Replacement Cost: What Is The Difference?

For those who have ever purchased a home, which requires Homeowners insurance, you may recognize that there is a difference between the amount you paid for the home and the actual amount of your basic coverage for the home, without belongings. This is simply because you paid market value for your home while the insurance … Read more

Long Term Care – The Who, The What and The How

While life is populated by choices, one certainty that faces the majority of adults is that they can control their future options only by planning ahead. Financial planners recommend diversifying interests to insure profit. Real estate planners bank on the idea that real estate matures over time and is a solid investment. Life insurance promises … Read more

Insurance 101 – Undermining America for the Good of Americans

Insurance is like a myth. From one small seed of truth, a fairytale the size of 1000 giant sequoias has sprung up. Reality is blocked from view. Surely, you’ve noticed all the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money do the executives … Read more

Whole Life Insurance Or Term Life Insurance: Which Is Right For You?

Knowing what kind of life insurance to get can be scary and threatening to the average person. Understanding the basic kinds of insurance products available out there can reduce some of that anxiety. How can you tell whether you should go with term life insurance or whole life insurance? Term life insurance generally has the … Read more

Term Versus Permanent Life Insurance- What’s Right For You?

Almost everyone needs life insurance. Whether it’s to pay off debts, ensure the family income and standard of living, make sure college can be paid for, leave a bequest to charity, provide liquidity for a business or real estate, or hedge against the return of estate taxes. Most of our clients need at least some … Read more

How Much Term Life Insurance Should I Buy?

Term life insurance is an important part of the financial planning process. It serves to provide financially for all of the loved ones in your family should you happen to pass away unexpectedly. But one of the important things that people do not put enough consideration into is how much coverage is actually enough. When … Read more