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Babs Hart Receives PGA Award for Outstanding Leadership

Babs W. Hart recently attended the Million Dollar Round Table (MDRT) international conference in Toronto Canada.  The MDRT is the premier organization for insurance professionals composed of the top 1% of the insurance agents in the world. She has qualified for membership for the past 10 years.  While at the conference Ms. Hart was presented[…]

FILE - This is a Aug. 27, 1941  file photo of British Prime Minister Winston Churchill as he gives his famous " V for Victory Salute" . Churchill Britain's famous World War II prime minister died fifty years ago on January 24 1965. (AP Photo, File)

Churchill said……

Winston Churchill said, “However beautiful the strategy, you should occasionally look at the results.” If your strategy is to buy term that is convertible when you are in your sixties; the game has changed. The insurance industry is changing its conversion options at lightning speed. The new strategy should be to own part of your[…]

termofinsurance

Permanent Insurance vs. term insurance

  Permanent Insurance vs. Term Insurance  Permanent insurance provides death benefit protection for the lifetime of the insured.  Flexible premium payments and adjustable death benefit protection is available in some types of policies.  Other advantages include tax-deferred growth on policy values as well as access to policy values through policy loans and withdrawals.  Term insurance[…]

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Triple Play

There are new innovative products …………  combining life insurance with a premium refund and a rider for long term care.  We all need to rethink our planning for retirement because of the changes in health care and the likelihood of increased taxes.  Term insurance has huge advantages for meeting the  needs of a new family[…]

LTC inflation

WHICH INFLATION PROTECTION SHOULD BE ADDED TO THE POLICY SO THE PLAN KEEPS UP WITH THE RISING COSTS OF LONG-TERM CARE SERVICES?

A number of options are available to help your long-term care plan keep up with the rising cost of care. Future Purchase Offer– This product is designed to protect the insured for 15 to 20 years, and inflation protection isn’t built into this plan.  Every three years, however, the insured is given the opportunity to[…]

LTC paying for2

WHAT PARAMETERS SHOULD I USE TO DETERMINE IF I SHOULD BUY LONG-TERM CARE INSURANCE OR PAY FOR SERVICES WITH MY ACCUMULATED ASSETS?

When I began this project in the spring of 2008, who could have imagined that the economy would see such a drastic decline? Many people who were comfortable paying long-term healthcare costs out of pocket have seen their portfolios shrink by 40% or more.  Most believe the country will hit the elusive bottom and then[…]