wiseradvisor

Insurance

Latest Articles

Personal Finance | Insurance | Wiseradvisor.com
How to Keep those Life Insurance Premiums Low

Have you ever thought about purchasing life insurance? Lately I've been doing research on life insurance and found out that the premiums people pay can vary greatly. Studies show that three fundamental factors that affect...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
Could the Affordable Care Act Improve the U.S.' Failing Health-Care Grade?

By James O'Brien. When it comes to the health care system in the United States, we might be closer to the end of unaffordable services and the barriers to access they create. But we're not out yet. A new report (link...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
Health Care Affordability in 2014 : Failing Grade for U.S., But the ACA Could Turn It Around

By Jame OBrien SUMMARY: The U.S. ranked last among 11 countries in a recent report on the state of health care. A key reason, in the study: high costs are blocking access to services. But the report also suggests that...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
ACA in April: Enrollment Extensions (and What Happens if You Missed the Deadline)

By James O'Brien It certainly didn't go off without a hitch. The deadline to sign up for health insurance under the Affordable Care Act came and went on March 31, but enrollment websites crashed, marketplace phone lines...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
Medical Bankruptcies: How the ACA Stands to Reduce Them, How States Are Blocking the Way

By James O'Brien March 22, 2014 The single largest source of personal bankruptcies in the United States is debt resulting from medical bills. According to NerdWallet Health, some 57% of U.S. personal bankruptcies can be...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
NFIP Coverage Becoming a Bigger Concern for Property Owners and Investors

By Justin Stoltzfus. The National Flood Insurance Program, or NFIP, administered by the Federal Emergency Management Administration, has been in place for a long time as a way to help property owners hedge against flood...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
2014 Medicare Costs a Mixed Bag: Medicare Planning for Retirement

By Justin Stoltzfus March 20, 2014 Many aspects of federal Medicare remain flat for 2014, including the Part B monthly premium and the enrolled member's annual deductible, but that doesn't necessarily mean that retirees are...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
How Much Insurance Do You Need?

This is a subject that most people would just prefer to ignore. After all, it requires you to face your own mortality and then make some hard decisions about how you want to provide for your family after your death. A recent...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
Wealth Replacement with Life Insurance

More often than not, life insurance is purchased to provide financial relief to dependents in the event that a family's breadwinner(s) prematurely dies. This is the most significant use of that product. Yet, in the...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
Estate and Tax Planning for Qualified Plan Assets using Life Insurance

Executive Summary This article discusses and compares a wide range of planning options for maximizing and transferring qualified plan assets from a plan participant to his or her heirs. For demonstrative purposes, the focus...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
Reevaluate Your Life Insurance at Retirement

As retirement age approaches, it's usually a good time to reassess your life insurance policies, since your needs may change then. With your children on their own and no earned income to replace, you may no longer need a...
Read more »

Personal Finance | Insurance | Wiseradvisor.com
Is There Still a Need for Second-to-Die Life?

Survivorship life insurance policies, also known as second-to-die life, insure two lives, with the insurance proceeds paid after the death of the second insured. This insurance is often used to provide financial liquidity to...
Read more »

I want to take charge.
HELP ME FIND MY ADVISOR