New Year’s Eve Facts and Trivia

New Year’s Eve is a time for people to get together, reflect on the old year and welcome the new, and most of all party. While you’re drinking spirits or watching the ball drop, you might wonder where the holiday...
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Farm Families: Using Life Insurance in Estate Planning

Farm families can use life insurance to smooth the bumps in a transition from one farming generation to another. Done right, it provides funds not subject to estate taxes. It can help farming heirs buy out at least part of...
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Hybrid Life Insurance Policies Increasingly Popular As Long-Term Care Funding Strategy

While traditional stand-alone long-term care insurance (LTC) products have seen a drop in popularity in the past several years as a result of companies leaving the marketplace and of spiraling policy premiums, life insurance-backed long-term care financing strategies have experienced...
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Why Some People Should Have Two Or More Life Insurance Policies

You need life insurance if your death would hurt anyone financially. For many people, one policy is enough. But for some, two or more make sense. Your needs should drive the number and type of policies you buy. More...
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Why Retirees Have to Talk About Long-Term Care

We all avoid certain tasks in our lives, whether it’s something small like our gym schedule, or something bigger, like spring cleaning. But one thing that should never be avoided is making a long-term care plan. Many of us know...
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LTC 101: Traditional LTCi

Traditional long term care insurance (LTCi) is designed to help cover the expenses of long term care (LTC) services, many of which are not covered by health insurance, Medicare or Medicare Supplemental Insurance, and include personal and custodial care in...
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