Mother’s Day is coming!

  What’s the role of a “mom”? My mom took care of us in every sense of the word.  Five kids.  That’s a whole lot of caretaking—from the birth of the first to the last one leaving the house it was about 30 years of her life. We lived on a small farm.  We had a...

Perspectives on Long Term Care Insurance from a 31 year old guy….

What do you envision when you think of a 31 year old guy? Prime of life?  Hiking?  Camping?  Starting a family? Planning for a possible long term care need? Yes.  Maybe.   Maybe.   Maybe.  Probably not. I recently had the opportunity to talk with a young man who had...

How do I know the Insurance Company will be around when I need it?

The question about whether a company will be around in the future is a concern about the financial stability of the insurance company. Not surprisingly, questions like this have increased since the financial chaos that started around 2008.   Sometimes these...

Is Long Term Care Insurance A Waste of Money?

Is your auto insurance a waste of money? Is your home-owners policy a waste of money? Is your health insurance a waste of money? Your answer to each of these questions may vary on any given day. If you’ve never had a claim on your auto insurance you may very well...

Riders! What are they and do you want them?

No, a “rider” is not some hot guy sitting on his Harley. At least not in the insurance world. In the insurance context, a rider is something that is added to an insurance policy to “soup up” the policy. I want to share with you the riders that in my opinion are worth...