Insurance

Cheapest Auto Insurance in California 2025: A Comprehensive Guide

Cheapest Auto Insurance in California 2025: A Comprehensive Guide...

Texas Car Insurance: Cheap Deals in 2025

Texas Car Insurance: Cheap Deals in 2025...

Cheap Car Insurance, Colorado 2025

Types of Car Insurance: The Ultimate Guide...

Tariffs Could Increase Prescription Drug Costs And Premiums For Medicare, Other Insurance

Higher medical costs and insurance premiums are one of the unintended, unexpected effects of the new trade and tariff policies....

I'm 60 With $2.8 Million Saved. I'm Tired of Working, But Need Health Insurance Until Medicare Kicks In.

The 'healthcare desert' is real. We ask financial experts for advice....

A Financial Professional's Take on Long-Term Care Insurance: Buy or Not?

Unless you have about $6,000 burning a hole in your pocket every month, you should make a plan in case you need long-term care. Luckily, you have options....

Disability Insurance for Physicians Who Are Federal or State Employees

Are you a federally employed physician? Do you work for your state? If so, here are some of your options for disability insurance. The post Disability Insurance for Physicians Who Are Federal or State...

Final approach - anything I shouldn't forget while landing this plane?

I intend to retire by the end of the year. I will be approaching 60, so will still have a few years where I need to find health insurance. We have saved enough to be comfortable but not extravagant, s...

Health Insurance Saved These Early Retirees More Than $200,000

Two true stories show how health insurance saved early retirees over $200,000—and why it’s critical before you’re eligible for Medicare....

Affordable Health Insurance Can Be A Deal-Breaker For Early Retirement

Obtaining health insurance before Medicare is critical but can be expensive. Learn about seven possible ways to get coverage and do your shopping....

Medicare Advantage vs supplemental insurance and part D

Just wondering what option has worked well for retirees. I’m just turning 65 and this seems like a very difficult decision. Also wondering if anyone has switched back and forth from Advantage to...

Why You Have a 65% Lower Chance of Being Declined for Disability Insurance (If You Use a WCI-Approved Agent)

There is nothing that bothers me more than a suggestion that WCI is selling out doctors. So, let's talk about a couple of recent accusations. The post Why You Have a 65% Lower Chance of Being Declined...

Selling Your Business? This Powerful Insurance Option Unlocks Multigenerational Wealth

Private placement life insurance (PPLI) offers almost unbelievable investment flexibility, estate planning and tax advantages. And it's completely legit....

17 Insurance Myths That Make Your Coverage More Expensive

Insurance is one of the easiest places to overspend, and most people don’t even realize it. Bad advice, outdated assumptions, and slick marketing drive up your premiums while leaving you with le...

Annuities and life insurance form the bedrock of solid financial plans

Side products no more, life insurance and annuities can make financial longevity possible for clients at all AUM levels....

How Early Retirees Can Get Affordable Health Insurance Without a Job

One of the biggest concerns about early retirement is how to afford healthcare without an employer-sponsored plan. It’s a valid worry, health insurance in the U.S. isn’t cheap, and medical...

What to Do When Your Insurance Rates Go Up: A Guide for Physicians

Insurers are raising premiums for a mix of reasons, many tied to shifting market conditions and increased costs. Here's what to do about it. The post What to Do When Your Insurance Rates Go Up: A Guid...

Gap between COBRA & Medicare - do I need insurance?

My wife and retired last year. My company paid COBRA runs out 2 months before I can apply for Medicare (3 months before birthday). We live 80 / 90% of the time in Greece with local private insurance. ...

A Terrible Life Insurance Mistake That Cost Me A Fortune

In late 2022, my wife and I were finally able to lock in matching 20-year term life insurance policies at an affordable rate through Policygenius. For five years prior, I had been concerned that I wou...

Using an Independent Agent for Auto and Home Insurance

Using an independent agent for auto and home insurance gives you a different channel for lower premiums. It's worth a try. Learn the Nuts and Bolts I put everything I use to manage my money in a book....

Put Together A Professional Team For Your Small Business

Your time is valuable, and so is doing things right. So get yourself a payroll service, bookkeeper, tax pro and insurance broker–and keep multiple lawyers on speed dial....

How to Appeal a Health Insurance Denial

If your insurer refuses to pay for a treatment or procedure that you believe should be covered, use our guide to appeal....

Why You Need Disability Insurance (and I Need Shoulder Pads)

Protective gear is like the disability insurance in your financial plan. You don't expect you're going to need it. But you might. The post Why You Need Disability Insurance (and I Need Shoulder Pads) ...

Calculating the PIA

In determining your retirement benefits from Social Security, as well as those of any dependents who may claim benefits based upon your record, the Primary Insurance Amount, or PIA, is an important fa...

Financial Lessons from My Family’s Experience with Long-Term Care Insurance

My experience with my father's long-term care insurance company has not been an easy one. But I've learned quite a few lessons. The post Financial Lessons from My Family’s Experience with Long-T...

Suozzi Looks To Trim Costs Of His Public Long-Term Care Insurance Plan

Among the ideas on the table: Simplifying the benefit structure and switching from a cash benefit to one that reimburses people for their out-of-pocket expenses....

Life Changes and Renters Insurance Needs: How Residency, Moving, and Marriage Affect Your Coverage

Residency comes with unique financial challenges. Still, renters insurance is an affordable and practical protection that is much needed. The post Life Changes and Renters Insurance Needs: How Residen...

Is life insurance necessary in retirement?

I (54yo) have term life insurance through age 60. My target retirement is tentatively 61yo. By this age I will have a military pension, VA disability compensation, and over 1 million in 401K/IRA. My u...

HSAs, FSAs, and Malpractice Insurance

Answering questions about whether you can have an HSA and FSA at the same time, and we take a deep dive into malpractice insurance with information about lizard tails, veto clauses, and hammer clauses...

Top 12 Reasons to Buy Disability Insurance as a Resident

Savvy docs consider disability insurance their most important insurance policy. Here are 12 reasons why residency is the best time to buy it. The post Top 12 Reasons to Buy Disability Insurance as a R...

Workers Drop Health Insurance, Stabilizing Employer Costs

The cost to employers of providing their workers with health insurance has remained fairly stable for years. At first blush, this seems like good news for workers. When benefit costs rise, employers t...

How to Reduce Homeowners Insurance Costs Without Sacrificing Coverage

If you're looking to lower the cost of how much you pay in homeowners insurance premiums, here are some tips to think about. The post How to Reduce Homeowners Insurance Costs Without Sacrificing Cover...

are accounts of how great retirement biased?

I’m 3 months away from retiring at 59.5. Can’t wait, but feel I need to stick it out until then so can be on COBRA for 1.5 years then start private insurance at start of 2027. (also waitin...

Pregnancy Disability Insurance

A common question from female docs is whether disability insurance covers pregnancy-related issues. The short answer is no and yes. The post Pregnancy Disability Insurance appeared first on The White ...

Should You Buy Long-Term Care Insurance?

Don’t ignore the threat of long-term care expenses since they seem so far away; everybody needs a strategy to address this threat....

I Hadn’t Shopped for Insurance in Decades — Could I Have Been Saving Thousands Every Year?

I hadn't shopped around for insurance in decades, so I took some time and went through Farmers Insurance Choice to see if I could save money. The post I Hadn’t Shopped for Insurance in Decades &...

Why Insurance Can Be a Financial Lifesaver

Regularly reviewing the types and amounts of insurance coverage is essential for a comprehensive financial plan....

Tail Coverage, Whole Life, and Other Insurance Questions

Answering reading questions about tail insurance coverage, annuities and whole life insurance and why you should avoid these products, and the implication of property tax and home insurance. The post ...

What’s the impact of having more than you need?

Hey all, I’m a few years out from retirement and I’m paying off things, saving for the insurance shortfall until Medicaid kicks in, etc. I’m throwing most of my “extra” m...

Prudential Expands Workday Partnership

The insurance provider will join the platform's Workday Wellness...

Could an 'insurance overlay' help managed accounts in retirement?

Contingent deferred annuities represent product manufacturers' latest appeal to independent RIA advisors and their clients. Here's how they're making the case....

What was your best strategy for health insurance if retire before 65?

If I don't continue at my current job, I'll need health insurance for approximately 1-1.5 years until Medicare is an option at 65. Cobra is expensive, so what have others here with perhaps similar sit...