David Lerner Associates: Why Long-Term Care Insurance Costs Are Up
According to the American Association for Long Term Care Insurance (AALTCI) prices for new long-term care policies increased by as much as 17 percent in 2012.
David Lerner Associates: A Different Way to Look at Life Insurance
Life insurance is very different from other types of insurance. The differences are important to take into consideration as you assess your overall insurance coverage needs.
David Lerner Associates: Review Your Life Insurance Needs
New Year's Financial Housekeeping: do you have life insurance-- and is it enough?
David Lerner Associates News: Five Ways to Power Up a Life Insurance Generator
David Lerner Associates identifies five key areas that can be "powered up" by plugging into a "life insurance generator".
David Lerner Associates: Funeral Insurance May Be Necessary, But Watch Out for Scams
Funeral insurance is a way to spare your loved ones the financial burden of needing to pay for your final expenses. Here is some helpful information about funeral insurance and how to avoid scams.
David Lerner Associates: Misconceptions and Realities about Social Security
There's no doubt about it, Social Security is an essential source of retirement income for most Americans. More than nine out of ten people age 65 and older obtain Social Security advantages.
David Lerner Associates: Taking Care of Your Aging Parents (Part 2)
This is Part 2 of a 3 part series on taking care of your aging parents. This time we will be focusing on different types of support available for your parents as well as yourself.
David Lerner Associates: Reasons Why Women Require Life Insurance
Women have more financial responsibilities now more than ever before. Whether you are single, married, employed, or a stay-at-home mom, you most likely need life insurance.
Small Business Week: Life Insurance Needs
Your life insurance needs will depend upon a variety of factors, including whether you own a small business, the size of your family, the nature of your financial obligations, your career stage and your goals.
David Lerner Associates: A Primer - Understanding Different Types of Life Insurance
Life insurance is different from most other types of insurance like health, car and homeowners insurance in at least one key respect: It covers against an event that is certain to occur at some point in time - the policyholder's death.
David Lerner Associates: Life Insurance as an Asset
Life Insurance doesn't have to be an expense. It can be viewed as an asset that will eventually provide a return on your investment.
David Lerner Associates: Managing Money and Marriage
Planning carefully and communicating clearly with your spouse are important, because the financial decisions that you make now can have a lasting impact on your future.
David Lerner Associates:Life Insurance at Various Life Stages
Just as financial needs change over time, so too does the need for life insurance change with new circumstances. Let's look at how your life insurance needs change throughout your lifetime.
Life Insurance Protects Loved Ones
Your life insurance needs will depend on a number of factors, including whether you're married, the size of your family. the nature of your financial obligations, your career stage, and your goals.
David Lerner Associates:: Life Insurance and Estate Planning
In the past many families have viewed life insurance primarily as a way to pay for funeral expenses, but it's become much more than that today. Now it's seen as an integral part of estate planning.
David Lerner Associates: Insurance Issues for Married Couples
It may seem like an odd thing to worry about when you are just starting out together, but the lack of adequate insurance protection can lead to financial disaster in the future
David Lerner Associates: Long Term Care Awareness
Long-Term Care and Alzheimer's Disease. Both topics deserve our attention and are serious issues in need to greater awareness. Nearly 70 percent of Americans 65 and older need long-term care at some point, according to the U.S. Department of Health and Human Services.
David Lerner Associates: Life Insurance for Small Business Owners
Nothing in this life is certain except death and taxes. When a small business owner passes away, it can be the center of turmoil and instability. It raises many issues, including personal loss, but it also raises pragmatic questions involving the replacement of a key asset and leadership going forward.
September is National Life Insurance Awareness Month
September is National Life Insurance Awareness Month. In the past many families have viewed life insurance primarily as a way to pay for funeral expenses but it's become much more than that today. Now it's seen as an integral part of estate planning.
Life Insurance vs Other Types of Insurance
Life insurance is very different from the other kinds of insurance available to you. The differences are important to consider as you think over your insurance needs.
Life Insurance and Small Business
When faced with the death of a small business owner, it can be the source of great instability. Besides personal loss it raises logistical questions involving the replacement of key leadership going forward.
Women and Life Insurance
Women have more financial responsibilities than ever before. The hard truth is that death is inescapable, short of someone discovering a way to reverse aging permanently, and life insurance is not like other types of insurance. It's the only kind of insurance where the policyholder is guaranteed to need it at some point in time.
Basics of Life Insurance
Death is not the most pleasant of subjects to discuss. But deciding on how much life insurance - and which type of life insurance - to put in place might turn out to be the most important talk of all.
10 Questions for Your Retirement
The old fashioned idea of working for 40 years, retiring with a good pension, and a comfortable retirement is no longer the norm. For older Americans who are nearing retirement age, there are many factors to consider.
How Technology is Changing Life Insurance
September was Life Insurance Awareness month and although one might think that life insurance is something to consider as you grow older, according to LIMRA's Insurance Barometer Study 77% of Millennials say owning life insurance is a good thing.
Long Term Care Planning
October is Long Term Care Planning Month. This is a topic worthy of our attention and can be a serious issue for those who find themselves in a situation where it is needed.
3 Tips for Boomers and Life Insurance
Many boomers have a lot to think about especially when it comes to taking care of their loved ones once they pass on.
Long Term Care Planning
October is Long Term Care Planning Month. Nearly 70% of Americans 65 and older need long term care at some point, according to the U.S. Department of Health and Human Services.
Financial Planning for When You Are Gone
Death is certain for all of us. The sad truth is that not enough of us take a moment to consider what will happen when we are gone. In fact, 55% of Americans pass away without a will or an estate plan.
Thanksgiving is usually a time to take stock of the things we are thankful for in our lives. Here are some things in our financial lives that we can be thankful for.
Understanding Long Term Care Insurance
The majority of Americans who live past the age of 65 will require some sort of help caring for themselves. In fact, nearly 70% of Americans 65 and older need long term care at some point.
An annuity is essentially a contract with an insurance company. You'll typically pay the insurer a sum of money, and in exchange the insurer will commit to sending you regular payments immediately or in the future for the duration of the contract.
Is Life Insurance Necessary?
Life insurance is very different from other kinds of insurance. The differences are important to consider as you think over your insurance needs.
The Importance of Life Insurance
Benjamin Franklin wrote in a 1789 letter that in this world nothing can be said to be certain, except death and taxes. The great unknown is exactly that, unknown, and none of us knows exactly when we're going to leave this world.
A Guide to Life Insurance
Death can be considered a morbid subject to discuss. But making an important decision regarding your life insurance - and which type of life insurance - might turn out to be one of the most important discussions of all.
Life Insurance and Long Term Care
Nearly 70% of Americans 65 and older need long term care at some point. Life insurance and Long Term Care insurance are financial services that are extremely useful.