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Month: March 2011

Posted on Categories Articles, Insurance News BlogTags , , , , , Leave a comment on Life Insurance–How Much Is Enough?

Life Insurance–How Much Is Enough?

You are probably aware of the importance of having enough life insurance coverage to handle the financial contingencies that may affect your family in the event of your death. However, determining the necessary amount of life insurance can be complicated. One general rule of thumb is that you should have enough coverage to equal five … Continue reading “Life Insurance–How Much Is Enough?”

Posted on Categories Articles, Insurance News BlogTags Leave a comment on Asset Allocation: Composing Your Financial Symphony

Asset Allocation: Composing Your Financial Symphony

Any classical music composer will tell you that creating a symphony requires a delicate balance of sounds, melodies, and harmonies. Each instrument creates unique sounds and vibrations, which, when heard alone, may not be particularly compelling. However, when the orchestra plays in unison, the end result can be a masterful composition. Hence, the true art … Continue reading “Asset Allocation: Composing Your Financial Symphony”

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Your Estate and Life Insurance: It All Adds Up

It’s easy to underestimate your net worth. After all, without a crystal ball, the future value of your home and savings is hypothetical. What’s not hypothetical, however, is the fixed amount of the death benefit provided by your life insurance policy. Adding this often significant sum to your asset pool could expose your estate to … Continue reading “Your Estate and Life Insurance: It All Adds Up”

Posted on Categories Articles, Insurance News BlogTags , , , , , , , , , , Leave a comment on Life Insurance—How Much Is Enough?

Life Insurance—How Much Is Enough?

You are probably aware of the importance of having enough life insurance coverage to handle the financial contingencies that may affect your family in the event of your death. However, determining the necessary amount of life insurance can be complicated. One general rule of thumb is that you should have enough coverage to equal five … Continue reading “Life Insurance—How Much Is Enough?”

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Understanding the Importance of Insurance

An unexpected occurrence, such as a death, disability, or other personal loss, is certainly not the type of event for which you can easily plan. Yet the financial ramifications can be staggering—not only to you, but to your family as well. Therefore, it is important to make a risk management plan part of your overall … Continue reading “Understanding the Importance of Insurance”

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Divorce and Retirement Plan Proceeds

Unfortunately, divorce is increasingly common in our society. Because divorce entails the dividing of assets, some of which have tax implications, it is important to be aware of potential “tax traps” when you begin planning. One such trap in the area of retirement plan assets is the existence of vested account balances. In the past, … Continue reading “Divorce and Retirement Plan Proceeds”

Posted on Categories Insurance News BlogTags , Leave a comment on Institute of Business & Finance Announces a New CFS® Designee

Institute of Business & Finance Announces a New CFS® Designee

San Diego, CA, March 22, 2011 – The Institute of Business & Finance (IBF) recently awarded Karl Susman with the first nationally recognized mutual fund designation, CFS® (Certified Fund Specialist®). This graduate-level designation is conferred upon candidates who complete an 135+ hour educational program focusing on closed-end funds, mutual funds, ETFs, REITs, UITs and modern … Continue reading “Institute of Business & Finance Announces a New CFS® Designee”

Posted on Categories Health InsuranceTags , Leave a comment on Appeals information updated

Appeals information updated

Although the appeals provision of the health care reform law was effective in 2010, the U.S. Department of Labor provided an enforcement grace period until July 2011 for some requirements until additional guidance is issued. We are anticipating further guidance, which we believe may address some requirements that we and other carriers have expressed concern … Continue reading “Appeals information updated”

Posted on Categories Health InsuranceTags , , , Leave a comment on Healthcare Reform updates

Healthcare Reform updates

In a recent sit down in Washington, regulators and policymakers from several key agencies and associations sat down to discuss several issues.  Amongst those issues discussed were: Several common themes emerged during the meetings: Timelines Both the public and private sector policy experts appear to be genuinely concerned about addressing PPACA’s quick timelines for implementation. … Continue reading “Healthcare Reform updates”

Posted on Categories Articles, Insurance News BlogTags , , , , Leave a comment on A Short Course in Budgeting for College Students

A Short Course in Budgeting for College Students

One “extracurricular” activity that every student should master while in college is personal money management. Typically, a student’s day-to-day spending is done on an improvised basis, meaning that overspending is often the norm rather than the exception. It is estimated that during a school year the average college or university student will spend approximately $4,000 … Continue reading “A Short Course in Budgeting for College Students”