Guaranty Association Benefits Company

One of the biggest myths about the long-term care - Many people do not plan for their needs LTC coming because they think the government will pick up the tab. In reality, this is simply not true unless you are eligible for Medicaid (generally those with less than $ 2,000 in assets)....

The New Retirement: 3 Things to Think About Now - If you think that your retirement will look like your retired parents or grandparents, think again. Here are three things you should consider: 1. The Bank of Mom and Dad will not always open. There are two sides to this. If you're supporting your...

6 simple reasons people may need life insurance - Many people make the assumption that life insurance is for married couples and those with children. It is true that every single need life insurance, there are a number of reasons when it can do (really) good sense. 1. You have a student loan debt....

4 Ways to Get Financially Fit in Your 40s - Many people in their 40s are facing an uncomfortable fact: They are just not where they had hoped to be financially. Fortunately, all their life experience can help correct past mistakes. "There are a different start time for everyone," said Jay Howard,...

Words of wisdom - Here are some "good reads" The Word of insurance blog in the past year. Happy Holidays to all and best wishes for health and happiness for the New Year! Care-A long-term personal history What happens when the money is yours to take Bent are you doing things hard? How much...

Property Taxes Finalized? Not really. - Congress finally resolved the issue of property taxes last month. Really? No, they put on another temporary patch for the next two years. What does this mean for you? If your property is valued at $ 10 million or less and you are married, you might be able...

Real Life - One of the best things that the Foundation Life offers, in my opinion, is his realLIFEstories. These are not advertisements or commercials; do not use actors pretend to be someone else; they do not reflect an idealized situation. Instead, carefully realLIFEstories often tell heartbreaking...

Women, money and power - women, money and power. Is the title of a recent article by Aimee Johnson, who is responsible for the women's program for Allianz Life. According to Johnson, the women's market is still considered by some as a niche market, but it continues to set the record straight. Nearly...

Single Parents and Life Insurance - Genworth Financial has just published a study finding that too many Americans who need life insurance coverage are uninsured, putting their families and futures at risk. According to the study of life jackets Genworth Financial 2011, lone parents at all income...

Can you wait 0 days to replace (part of) your Paycheck? - The most recent government statistics (09) for the program (SSDI) Social Security Disability Insurance. disability benefits were paid to nearly 9 million people. average monthly benefit received was $ 1064.30. benefits were terminated...

Pop Quiz See how you do! - the LIFE Foundation "This Moment made possible by My Paycheck" photo competition made me think of all those great moments in my own experience, and how our salaries and our ability earning a significant income are each of us and our families. In this spirit, I offer this...

Bull, Bear or Bewildered? - As we look at the economy, we realize now, there are more than the bullish and bearish investors. There are bulls, bears and bewildered. MetLife says there are actually 10 types of investors. Here is their list: .. snoozers - People who do not think...

Summer School - school can be, but that does not mean the learnin 'is over. lazy days of summer usually give us a little more time, so take only five minutes for a quick educational video: life insurance 101, where Mark Chandick agent guide you through the basics. Although there is no love after...

Americans optimistic about their personal finances - A recent study of The Hartford found that Americans are optimistic about their personal finances and saving for retirement. The study shows increased participation in 401 (k) s and other defined contribution plans, especially...

4 reasons not to count on (Broken) Government Program - What you happen financially if you were injured or became ill and were unable to work? Your answer might be, "Well, there is a disability program of the government. I'm not really sure what it was called, but I know he is...

My Embarrassing Admission - I have an admission really, really embarrassing to do: Jon and I have no real life or disability insurance. I mean, we have a bit-basically what I'm able to access through my employer, which I think is equal to one or two my salary, but nothing more...

Behind the scenes with Lamar Odom - Most of the time I am a marketer of life insurance mild-mannered, hard working on my laptop in the tranquil limits my home office in New Jersey. No agitation. No glamor. No lights. But one day each year, all that changes. Suddenly, I find...

Wealth Cure - I do not normally write messages on book reviews, but I recently read a book by Hill Harper hit home for the readers of our blogs. Hill Harper, a New York Times bestselling author and star of the television series CSI: NY, released his fourth book This is a book...

What is a legacy? Remember Steve Jobs biography - Apple CEO Steve Jobs was released yesterday; his biographer, Walter Isaacson speaks frankly genius of Mr. Jobs here. I watched with respect and wonder how people around the world reacted to his death. More than a million people...

What I have done without my LTCI? - Donna had the chance to follow the footsteps of his sister. His older sister had bought an insurance policy for long term care, and though Donna was only 56, she thought becomes the cover was a good idea, too. She also had experience with...

Are you part of the 40 percent? - In a recent LIMRA survey of Americans not yet retired, 40% said they currently save no money each month towards retirement . The LIMRA research indicates that fewer future retirees will have to pay pensions for living expenses and will rely...

How can I find peace of mind on your travels - Tips from a Pro - We travel a lot as a small family of four - a lot. We schlep somewhere in the country at least once a month, mini carry-ons and comfort blankets for children in tow. At least once a year we do a major pilgrimage...

Do not make resolutions-Take Action! - A new year is a clean slate. Enjoy the fresh start taking steps that will help you build a better future. Many people will tell you they do not have time to plan. I say you do not have time to do not. The bottom line is: Life happens. We...

You Shredded your AARP card. Now What? - People say 50 is the new 40, but delivered with your birthday cards when you turn 50 is your AARP membership card. Yes it's true, your official "Go Pass" in the American Association of Retired. Quite ironic, since retired 50 are not plausible...

The right time to Annuities - Did you know that most retirees are not too confident that they have saved enough for a comfortable retirement? In addition, nearly 4 October retirees have not estimated how many years their assets and investments could last for retirement, according...

Can you assure your love? - ...

When is financial commitment Start? - Statistics are just numbers, until they reached the house with a personal story, right? I read a recent Pew report said marriages in the United States are on the decline. Barely half of adults, 51% Äîjust, AIARE married, and those who marry...

Reduce your budget Not Your Insurance - There is no doubt that the recession has wreaked havoc with the household budget of most Americans. Revenue declined as prices rose, with "robbing Peter to pay Paul" a frequent, if desired, the activity every payday. As times get harder,...

Tweet, Tweet Here is the truth- - Have you put off getting life insurance (or most of it) because you think that It is too expansive? You may want to reconsider when you learn this: Most people believe that life insurance costs nearly three times as much as he does, a new study...

With our children, it is for the protection - During dinner there a few months ago, I learned that a mutual friend (and father of four) had received diagnosed with a rare form of leukemia. Thinking of his children from birth to 5, I immediately wondered aloud if he had life insurance. None of us...

Life changed in an instant - If I had met him in the summer of 03, my life would have appeared almost like yours or your friend or sister or neighbor. I was a wife and mother who works full time and taking care of his family. Balancing the demands of these roles was sometimes...

The Not So Nuclear Family - ...

Retirement Challenges for baby boomers - Some 76 million baby boomers now reaching retirement age, and they represent nearly a quarter of the population of the United -United. The oldest of these, to 66 this year, probably considering retirement or have already done. About 10,000...

Revenue Not Enough? Or personal responsibility is not enough? - I recently participated in a meeting with senior executives from some of the largest life insurance companies country. The subject of the meeting was the crisis of 95 million Americans uninsured adults and the lack...

Teach your children well - As a parent, you take your role as primary educators of your children seriously. You learned brush their teeth, do their homework and go to bed on time but with less success on a given day. But what you have learned about money? You might think that...