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    1. How Investors Can Use Insurance to Reduce Risk | Investing 101

      How Investors Can Use Insurance to Reduce Risk | Investing 101

      INVESTORS HAVE VARIOUS ways to reduce risk – diversification, cash reserves, planning to hang tough through the dips. But experts say it pays to think outside the investing box and consider other tools, like insurance.

      Needs change over time, he says, as young investors need to protect children, while older ones must safeguard retirement income and a spouse. So assessing insurance needs is a lifetime project.

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    2. How to Invest in the Ones You Love | The Smarter Investor

      How to Invest in the Ones You Love | The Smarter Investor

      The most common reason for purchasing life insurance is for the death benefit, which is paid out to beneficiaries – generally income tax-free – after the death of the insured. However, permanent life insurance can offer a number of other benefits – not only to the ones you love – but benefits you may be able to leverage during your lifetime as well (a Valentine's gift to yourself). Yet, many of these benefits are either forgotten or misunderstood and never exercised. In fact, more than half (51 percent) of all respondents said they were either unsure or did not believe life insurance could provide investment opportunities and living benefits, according to the Allianz Life 2018 Life Insurance Needs Survey.

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    3. The Social Security Retirement Age Increases in 2018

      The Social Security Retirement Age Increases in 2018

      Most baby boomers are eligible to claim their full Social Security benefit at age 66. However, Americans who will turn 62 in 2018 need to delay claiming Social Security for an additional four months in order to claim their full benefit. Here is how the Social Security full retirement age is changing and what it means for your retirement payout:

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    4. Why You Probably Need More Disability Insurance

      Why You Probably Need More Disability Insurance

      Disability insurance tends to be one of the more overlooked forms of insurance, particularly by young people, even though consumer advocates generally agree it's an essential way for people to protect themselves from unexpected illness, accidents or other problems that prevent them from working. According to The Hartford Financial Services Group, 57 percent of Gen Y workers, who are in their 20s and early 30s, buy life insurance, but just 45 percent have short-term disability insurance, and even fewer – 39 percent – have long-term disability insurance. Meanwhile, the Social Security Administration estimates that the average 20-year-old worker faces a 3 in 10 chance of being disabled at some point before age 65.

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    5. 3 Strategies to Protect You To and Through Retirement

      3 Strategies to Protect You To and Through Retirement

      We hear more today in the financial services world that financial advisors should be thinking about their clients' holistic needs. But, what does that really mean?

      At its core, holistic financial planning requires us to stretch our view and think beyond the concept of simply accumulating wealth. It also demands that we look at investment tactics that can help us plan, invest and protect our assets to and through retirement.

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      Mentions: retirement
    6. How to Use Life Insurance for Investing

      How to Use Life Insurance for Investing

      Finding the right insurance to invest in – or use for long-term planning – can be complicated for many investors.

      Similar to an auto policy, a term life insurance is a temporary policy many individuals use to cover themselves for a period of time and then it expires. Typically it has a lower premium and considered more affordable than permanent life insurance. Many are convertible where the initial plan can be renewed for a higher premium for another term plan or converted into whole insurance.

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    7. Why Life Insurance Premiums Are Expected to Decrease

      Why Life Insurance Premiums Are Expected to Decrease

      For the past decade, the insurance industry and state regulators have been working on a new system for how life insurance companies determine whether they have enough money in reserve to pay out their claims. Known as principle-based reserving, the framework has been adopted by 46 states and was rolled out across the nation on Jan. 1, 2017. Insurance companies have three years to transition to the new system that uses simulation models to estimate the necessary reserves to cover future claims. Some experts in the industry expect life insurance premiums to drop as companies adjust to the new reserve requirements.

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    8. Creating a Better Financial Future Through Life Insurance

      Creating a Better Financial Future Through Life Insurance

      Asked to come up with a topic that is both intriguing and exciting, most people would not place life insurance at the top of the list. Whether this negative perception is due to its reputation as being boring or to the unease created by an association with facing one's mortality, there is no doubt that life insurance is one of the most maligned financial products.

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    9. 10 Things You Didn't Know Life Insurance Could Do

      10 Things You Didn't Know Life Insurance Could Do

      Life insurance seems like a straight-forward financial product. Insurance companies receive premiums and in exchange they pay out a death benefit to policyholders' beneficiaries. However, these plans can be much more complex than that.

      'There are a lot of options – much more than people realize,' says Cliff Wilson, chair of the board of directors for Life Happens, a nonprofit that educates the public on insurance matters. Some policy perks are geared toward certain populations, such as the USAA Military Future Insurability Rider, which lets service members convert a military policy upon retirement. But other life insurance perks can be had by virtually anyone.

      Here's a look at 10 things you may not realize your life insurance policy could do.

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    10. 4 Kinds of Insurance That Can Save Your Retirement

      4 Kinds of Insurance That Can Save Your Retirement

      Enjoying a secure retirement means more than just hitting your investment goals. It also requires planning ahead for certain financial obstacles that could potentially make your later years a little less golden.

      Having the right kinds of insurance can go a long way toward helping you combat potential blips on the radar. The difficult part is figuring out which type of coverage you need and how much is enough.

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    11. How Much Life Insurance Do You Really Need?

      How Much Life Insurance Do You Really Need?

      Kyle Winkfield knows a thing or two about how life insurance has the power to change lives. The managing partner at financial firm O'Dell, Winkfield, Roseman and Shipp in the District of Columbia has seen how life insurance payouts have impacted many of his clients, but one particular case sticks out in his memory.


      After one of his clients passed away, the surviving spouse was surprised with a multi-million dollar check from a life insurance policy purchased nearly 40 years earlier. Winkfield's client had been a person of modest means and the initial death benefit was much smaller, but it grew as money was reinvested into the plan over the years. Along with the check was a letter from Winkfield's client explaining the money was meant as a legacy for the family to compensate for opportunities he didn't have as an African-American growing up in the ...

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    12. 6 Tax Traps to Avoid

      6 Tax Traps to Avoid

      It's always exciting when you hear those words in the movies or read them in a book. It isn't so fun when you're doing your taxes and your inner voice shouts it. Certainly it isn't an intentional move on the part of the IRS, but making your way through tax forms can feel like you're Indiana Jones.  Best think carefully about everything from 401(k) rollovers and mileage deductions to stock sales.

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    13. 3 Things You Should Know About Life Insurance

      3 Things You Should Know About Life Insurance

      Many people don’t purchase enough life insurance to cover their needs. Of those that do, many end up making critical mistakes and buying insurance that is not optimal.
      According to the Life Insurance and Market Research Association, more than 30 million Generation X and Y households surveyed reported that they needed more life insurance in 2012. One-third of wives own no life insurance at all.

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    14. Coming Next Fall: More Chip and PIN Cards in the U.S.

      Coming Next Fall: More Chip and PIN Cards in the U.S.

      Americans traveling in other parts of the world are sometimes bewildered to discover that their debit or credit cards don't work at automated kiosks that use new chip and PIN technology rather than magnetic stripes. (The technology is also referred to as EMV, which stands for Europay, MasterCard and Visa, the three card brands that created the chip in Europe and Canada.)

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      Mentions: Canada
    15. How Much the Health Insurance Penalty Will Cost You

      How Much the Health Insurance Penalty Will Cost You

      We are well aware of the rocky start of the healthcare.gov website, the confusion and inconvenience surrounding health insurance enrollment and the reluctance of many to accept the premise of "health care coverage for all."

      If you have decided not to purchase a health insurance plan, you should learn the specifics of the penalty, formally referred to as the individual shared responsibility payment, so that you aren't surprised when you're hit with a monetary fine.

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    16. 7 New Year's Resolutions for a Stronger Career in 2014

      7 New Year's Resolutions for a Stronger Career in 2014

      The end of the year is a great time to reflect on what worked for you in the past and what you want to do differently in the future – which for many people means creating new year's resolutions for things they want to change in their lives. If you're a resolution-maker, don't forget to include work in your planning. Here are seven resolutions for your career in 2014.

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      Mentions: Turkey
    1-24 of 43 1 2 »
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