Life Insurance and Selling Your Business

Many older business owners eventually face the difficult decision of having to sell their business. After decades, there may not be a natural heir to take over the family business, nor may there be an employee who can provide the financial “exit” that you will likely desire to head into retirement. If you think about […]

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Focusing on Healthy Eyes for Seniors


Every senior is going to experience some degree of a drop-off in their eyesight as they grow older. But the good news is that through lifestyle choices, regular check-ups and maintaining a watchful eye on your eyes, you can enjoy a life in focus for many years after you turn 65. How to Keep Your […]

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Living to Be 100 Is More Realistic Than It Seems


According to the 2010 Census, there were more than 50,000 people living in the United States who were at least 100 years old. That represents a significant jump in centenarians from previous generations. Although many have ailments commensurate with their age, surprisingly, many are still fully functioning adults. About one-third still live at home and […]

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Why Your Nutritional Needs Change As You Grow Older


As you grow older and approach the age of Medicare enrollment, your body changes in many ways. Because of this, how your body processes food also changes, and this will have an impact on your diet, nutritional needs, and your appetite. Metabolism Changes It’s no secret that growing older means your metabolism is going to […]

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Life Insurance With Pre-Existing Conditions: What You Need to Know


Getting life insurance with pre-existing conditions continues to be a hurdle for many individuals and families. Life insurance is a thoughtful and efficient safeguard for protecting your loved ones and affairs in the case of your death. In many cases, finding a life insurance policy that fits your needs and budget is easy simply because […]

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Using Life Insurance For Estate Planning


Estate planning may seem like an elaborate legal process for people with large amounts of real estate or wealth. But truthfully, estate planning is not contingent on how much money you have or the property you owe — it’s the process of planning for how your personal belongs, property and finances will be handled upon […]

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Can I Get Life Insurance After Filing Bankruptcy?


It may seem strange that a prior or in-progress bankruptcy could impact your ability to get life insurance, but unfortunately, it can. Bankruptcy proceedings can make it difficult to get a life insurance policy, especially if you are currently going through the bankruptcy process or you have just made your way through it. But why […]

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How to Choose a Beneficiary for Life Insurance


Life insurance is a great safety net to ensure that loved ones and family members are cared for in the event of your death — whether untimely or natural. But going through the steps of the process can be tedious. After qualifying for a policy at a monthly premium price you can afford, you may […]

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Life Insurance for Business Owners


As a business owner, you have a lot to think about and juggle when it comes to managing the day-to-day operations of your company. But something many entrepreneurs do not consider is the importance of business owner life insurance, a safety net that can help your family, business and employees in an unfortunate situation such […]

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Using Life Insurance to Cover Student Loans


When planning for your future — or your child’s — it is easy to think of all the wonderful things: going to college, getting a fine education and starting down the path to an excellent life. But there are some not-so-rosy sides to thinking about the future, such as considering the need for life insurance […]

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How and Why to Switch Your Medicare Supplement (Medigap) Policy


Medicare Supplement Insurance plans, also known as Medigap, help cover some of the costs not covered by Original Medicare (Parts A and B). If you have a Medigap policy and are not satisfied with the benefits, coverage, or cost of that plan, you may be able to switch Medigap policies, helping you obtain a plan […]

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Beware the Cost of Medicare Enrollment Penalties


Medicare late enrollment penalties are amounts added to your monthly premiums as a result of not enrolling in Medicare during your Initial Enrollment Period. Unless you qualify for a Special Enrollment Period, you may be subject to Medicare enrollment penalties if you wait to sign up for Medicare after you are already eligible for enrollment. […]

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Do I Need to Renew My Medicare Plan?


In general, you do not need to renew your Medicare plan as long as you are happy with your current policy. Medicare renewal is not required since, in most cases, Medicare coverage continues each year without the need to re-enroll in the same plan. In other words, Medicare automatically renews as long as you are […]

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