For years you’ve been imagining all the things you’ll do in your retirement. Travel the world. Restore a classic car. Start a garden. Spend time with your kids and grandkids. Whatever you hope to do once you stop working, you’ve probably thought about it a lot. Have you considered the statistic that 52 percent of people turning 65 today will eventually need some form of long-term care (LTC) in their lifetimes? For many people, the possible need for future long term care can b

Life insurance is most valuable to you during life's difficult times, which is why it's important to know in advance when and how to file a claim. Insurance companies are required to pay insurance claims promptly, but there are steps you or your loved ones will have to follow to receive the proceeds. Though the specific details will vary according to your policy, here are some general things to know: Keep beneficiaries up-to-date. A common reason for a delayed claim is when p

By now, if you're reading this, you probably know who we are. But do you know what we actually do? Aside from having “Financial” in our name, how do we help people? Here’s a quick breakdown of our services and why they should or could be important to you: Retirement Planning – Many Americans are not as prepared for retirement as they might like to be, or actually need to be. What does your retirement look like financially? Where will your income come from? What about your hea

Understand the fine print. Every insurance policy has fine print. Life insurance policies may have contestability periods that give the insu

With so many insurance terms, products and requirements, it’s no wonder there is actually a day dedicated to insurance awareness.

You take a huge risk when you depend solely on your investments – especially if you have dependents.

3. Try to avoid probate. Probate is a legal process that can be expensive and cumbersome. People go through probate after someone dies and t

Owning a business in the U.S. is an integral factor of our economy. In fact, the U.S. has 28.8 million small businesses, comprising 99.7% of all business in America. While risks abound in entrepreneurship, owners can take measures to protect themselves and their companies by purchasing life insurance. Here are some essential ways that life insurance can help business owners: Coordinate buy-sell agreements Buy-sell agreements are an official contract that outlines how to