Health

Individual or group insurance >>

AskLLOYD!
Who created sub-par health insurance plans?
Article posted by Lloyd Lofton
Late last year, the ACA got rid of “sub-par” health plans for all Americans and then ensured quality health plans are now available for everyone. The question some are asking, though, is how did “sub-par” health insurance plans become so predominant in the market place if they are so bad?

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Disability insurance >>

Daniel Steenerson
Marketing disability insurance to women
Article posted by Daniel Steenerson, CLU, ChFC, RHU
Most people don’t think twice about insuring their “stuff.” Yet surprisingly few think about insuring against a disabling illness or injury, even though the ability to continue earning a paycheck over a lifetime is worth much more than that stuff ever will be. And given the facts and statistics on women and disability, it should be obvious why you need to know how to market DI to women. In fact, the real question should be, why wouldn’t you?

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Health Care Reform >>

Adam Berkowitz
Distorting costs: third-party payments
Article posted by Adam Berkowitz, RHU
The rising cost of health care including health insurance has played a dominant role in the nationwide discussion of reform. Rarely does the discussion consist of the effect of third-party payments, which is a major influence on the economics of health care.

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Medicare and Medicaid >>

Steve Savant
Saving the Medicaid system one life insurance policy at a time
Article posted by Steve Savant
Did you know that Medicaid has surpassed Medicare as the nation’s largest health care program? It is the fastest growing part of most state budgets and funds nearly two-thirds of all nursing home residents. Medicaid has become a runaway train of an entitlement. So how, you ask, can you personally help to at least slow down this train’s increasing need for fuel (funding)?

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Long Term Care >>

Dan McGrath
Is Fidelity's $220,000 retirement health care figure right?
Article posted by Dan McGrath
Believe it or not the cost of health care and planning for it has yet to be taken seriously by the financial industry in any circle, even with the government, the media and the public demanding information on a daily basis. So when a firm like Fidelity decides to throw its weight behind the topic it is hard to be critical, even when the number they use is really not close to the mark.

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