Carol Black

Why Stay-at-Home Parents Should Consider Life Insurance Even if They Have No Income

• 11 min read

KEY POINTSMany financial experts advise buying life insurance to replace income.Stay-at-home parents typically do not have income that would need to be replaced.It may still be important to pay for life insurance for stay-at-home parents.Often, consu...

What Is A Reduced Paid-Up Life Insurance Policy Option?

• 11 min read

Life insurance is an important financial planning tool if you’re concerned about your loved ones being left in a tight spot if something happens to you. But what if you can no longer afford to pay the premiums to keep your coverage in place?Reduced p...

Annuity Sales Hit Records Investors Seek Security

• 11 min read

Annuity sales hit a record last year as investors looked to protect their portfolios with a stable income amid rising interest rates and accelerating inflation.Annuities serve as insurance by providing a fixed stream of payments, guaranteeing a...

What Is Medicare And What Does It Cover?

• 11 min read

Medicare is the federal government health insurance program for people age 65 and older and younger people living with certain illnesses or disabilities. Its coverage plays an important role in containing medical costs as you age. But Medicare benefi...

Learn More About Fixed And Fixed-Indexed Annuities!

• 11 min read

Among the various kinds of annuities, which are contracts you sign with an insurance company to pay a premium for guaranteed income later, two of the most common are fixed and fixed indexed annuities. The former offers a fixed rate of return; th...

Myths About Life Insurance That Hold Young People Back From Getting The Coverage They Need

• 11 min read

After my husband and I got married last year, our financial to-do list started to grow rapidly. All of a sudden, we found ourselves struggling to make decisions about how to combine our money, what joint investments we should make, and what kind of f...

The Big Difference Between Long-Term Care And Long-Term Disability Insurance

• 11 min read

The longer people live, the more likely they are to face illnesses that necessitate custodial care either at home, in an assisted-living facility, or in a nursing home. So it stands to reason that there’s a resurgence of interest in long-term care an...

Unpacking Original Medicare

• 11 min read

When Medicare was originally signed into law in 1965 by President Lyndon B. Johnson, it had two complementary parts, A and B. These parts are known as Original Medicare. Part A covered procedures associated with hospital care, and Part B covered...

Ways To Maximize Life Insurance In Retirement Income Planning

• 11 min read

Life insurance is a fundamental risk management tool for a secure financial lifestyle. Primarily, it functions as an income replacement insurance product during an individual’s working years. In many cases, life insurance is set up to provide fi...

Here’s Why You Might Lose a Chunk of Your Social Security Benefits

• 11 min read

Even if you save a nice amount of money for retirement during your career, there's a good chance you'll depend on Social Security to some degree during your golden years. Maybe those benefits will be used to pay your rent, maintain your car, or trave...

Carol Black

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