Ted Norwood Editor’s Note: You are about to enjoy the most entertaining and informative blog post I’ve ever had the pleasure of editing about Social Security benefits. Read on to learn more about what the Social Security Administration and chocolate chip cookies have in common. Thinking about protecting your family’s income, your children’s future, and…
When talk of disability income insurance comes up, you probably understand how important it is to protect the breadwinner. Particularly in households where only one person earns an income, disability income insurance (DI) is critical coverage for those who want to financially protect themselves and their loved ones. Insuring a portion of your paycheck with…
What happens to everyday expenses when an illness or injury prevents you from working and earning an income? Medical insurance helps cover the costs associated with treatment. But How do you pay your mortgage or rent? Do you have enough savings to buy groceries and cover your bills? Lizzette Villeda discovered the real value…
Alexandra Ginieres Director, Marketing Communications, Individual Disability Guardian Life Insurance Company of America® Editor’s Note: When it comes to protecting yourself and your family, holistic protection is key. As we begin open enrollment season, start thinking about which benefits will be a good fit for your financial needs. When considering your options, understand the…
Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: Facts do not change your clients’ behavior when it comes to understanding their risk for being out of work due to an injury or illness. Bob Herum presents a primer on how to alter your discussion about the impact of disability on financial plans. Traditionally, the…
Happy New Year! Wait…aren’t we a little early (or a lot late) for that greeting? The truth is that for many people, September is the “real” new year, despite what the calendar says. And it’s easy to see why—after all that was traditionally the time we came back to school in a new outfit, maybe…
Little kids. They’re freaky fast. Running, wildly darting back and forth. Wow! Talk about fun. The faster you chase them, the more they laugh. For many parents, the image of bats escaping out of hell says it all. But, fast forward 40-plus years, and running like a kid is a distant memory. That kind…
When it’s time to start a family, many parents-to-be are so focused on decorating the nursery and choosing the right car seat that they can overlook the life-altering impact a baby can have on their financial life. And we’re not just talking the exorbitant cost of diapers—we’re talking nearly 4 million dollars in “potential income.” These…
By Ann Lloyd Now that tax refund and stimulus checks have been sent out and cashed, what will you do with the money? Maybe you feel like you’ve got cash burning a hole in your pocket, but it’s important to take a step back and consider your options before making any decisions about what to…
A disability – whether an injury, illness, or affliction – can be debilitating for people in any occupation. And they’re very hard to predict, meaning that someone can get hurt on or off the job anytime, anywhere. That’s where disability insurance comes in. Disability insurance ensures that you won’t suffer financially, should you become temporarily…
