Protection During Your Pre-Retirement Years Your future and your income are bound together. Unless you have an inexhaustible trust fund, you depend on regular paychecks. The best course of action is to hope for the best, but prepare for the worst. Ben Franklin knew a thing or two when he said, “In this world nothing […]

If you have any doubt that mobility doesn’t affect lifestyle, just stop for a moment and take a look around.  Covid stay at home orders present a perfect example.  You don’t need to suffer an illness or injury to feel the pinch. Nor do you need to have school age children that don’t immediately return […]

Given how confusing disability insurance is, my column on the odds of needing it didn’t have room to list all of the questions you should ask an insurance company before signing up for a policy. (If you get disability insurance for free from your employer, making similar queries is crucial to understanding the limits of […]

FPA Journal – Focus: Disability Insurance: Are Your Clients Truly Protected? This is an excellent article (pdf) on Disability Insurance written by Nancy Opiela of the FPA Let’s face it: there’s no way you believe that you will become sick or disabled and unable to work. And your clients feel the same way. “We all […]

Insurance that works when you can’t. After earning a PH.D. in Sociology, Danny Bazil Riley started to work as the general manager at a commercial real estate firm at an annual base salary of $70,000. Soon after, a financial planner stopped by his desk to drop off brochures about insurance benefits available through his employer. […]

It took just 17 days for Cindy Wrenn to realize that her disability insurance premium was not just another drain on her checking account. One-third of American workers are likely to be disabled for an extended period, and she became one of them when she had a stroke and brain aneurysm at age 28. Mrs. […]