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Are Annuities a Safe Alternative to Bonds if Interest Rates Rise?

Are Annuities a Safe Alternative? Conventional wisdom says that stocks produce greater returns but are riskier. Bonds produce lower returns but are safer. Therefore, a retiree should allocate more…

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Low Interest Rates Hurt Savers

Where to Turn? Year in and year out a top fear of retirees is outliving their retirement nest egg. This has been exacerbated since the 2008 financial crisis when…

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Life Insurance Application Process

What do you need to know about the Application Process? Going through any process for the first time can be intimidating. What can be worse is having a bad…

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How often should I change Insurance Agents?

Can my current Insurance Agent help? “Here comes another bill from the insurance company. Looks like our rates went up again, but why?  I didn’t change anything on my…

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The many definitions of disability and why it’s important to know yours

What type of Disability Insurance should I have? Disability income insurance is a very simple product with some very complicated language inside of the contracts themselves. Having an agent…

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