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...
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...
A frequent area of confusion when purchasing a long term care policy and at the time that a person is filing a claim is the required 90 day certification. First, some history. This certification requirement is not found in policies issued before 1997. This language...
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 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...
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...