Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Hotels: Your Office Away From the Office, and Tort Cost Info
Posted: June 5, 2013
Rising Tort Costs May Mean Your Business is at Risk According to a number of major insurance carriers and other experts, tort costs - those costs associated with defending and paying liability claims - are on the rise. Here are just a few of the latest concerns for business owners. The United States Liability Insurance Group (USLI) states the average cost to defend an employment...
Some Universal Life Holders Face a Conundrum
Posted: June 4, 2013
Some Universal Life Holders Face a Conundrum Many holders of universal-life insurance bought their policies years ago, at a time when interest rates were high. Today, many of these policyholders will have to pay more or face cancellation, according to news reports. To understand why, you have to understand that we're talking about permanent life insurance. Unlike term life insurance, this insurance type doesn't limit...
How to Measure the Value of a Fixed Annuity
Posted: June 3, 2013
How Qualified and non-Qualified Annuities Differ You may have heard that annuities can be used in tax-qualified retirement plans, such as Individual Retirement Accounts (IRAs), 401(k) plans and 403(b) plans, but do you understand how these annuities work? Annuities used in these tax-qualified retirement plans are often referred to as qualified annuities. Alternatively, annuities that are not used in tax-qualified retirement plans are often referred...
Walkies in Colorado Can be Fun...for Fido and You, and Life Insurance Info
Posted: May 6, 2013
Assure Family Peace Using Life Insurance Traditionally, we think of life insurance as a way to ensure our loved ones are cared for after our death. But life insurance can also be used to solve a host of other financial headaches - and some of the most interesting uses can come when the house is paid off and the children are out on their own....
Purchasing an Annuity Can Affect Your Whole Portfolio
Posted: May 5, 2013
Inflation-Protected Annuities: There are Pros and Cons Annuities have been around for centuries: Reportedly, savvy investors in ancient Rome would make one-time payments to an "annua" contract and receive income payments once a year for the rest of their lives. Today, annuities have bells and whistles, but the concept is the same: You make a payment to an insurance company, either by lump sum or...
