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Helping Your Workers Care for Aging Parents

As the costs of nursing homes and assisted living services soar, the financial burden of paying for those services often falls on the elderly individual's adult children. Many families cannot afford these services, so they are opting for their ageing parent to live with them. Unfortunately, as those parents get older and need more care, it can take a toll on their adult children and has forced many of them to quit their jobs and take care of their parents full time. A recent survey by Unum Insurance Company found that 39% of caregivers end up quitting their jobs to…

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Women Often Do Not Have Enough Life Insurance

The amount of women in leadership positions today highlights the need for coverage even more. Also, the women who stay at home to care for their families still need coverage. If a woman who stays at home to care for her family dies suddenly, there is still the need for child care expenses and possible expenses to keep up the house while her spouse continues working. The services provided by women who stay at home to care for their families are expensive to pay for out of pocket. In some cases, the surviving spouse must hire someone for child care,…

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Homeowner’s Policy Won’t Cover Your Vacation Rental

If you've been insuring your vacation rental with a standard homeowner's policy, it likely won't be enough to cover the various types of damage that are inherent when renting out property, like a guest accidentally breaking that $3,000 65-inch flat screen while playing catch in the living room. And it also won't cover any injuries that your guests sustain on your property, or lost income should it be rendered un-rentable for a period. The answer is vacation rental property insurance, which you can think of like a homeowner's policy with some added protection for contents and liability. Even if you…

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10 Ways to Reduce Your Homeowner’s Premium

With homeowner's insurance rates on the rise, you may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. But there are a number of strategies you can use to chip away at your overall annual premium, including: Raising your deductible - Your deductible is the amount of risk you agree to accept before the insurance company starts paying on a claim. As homeowner's rates increase, you may want to be willing to take on more of the risk yourself.…

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Going Hi-Tech to Protect Your Family and Home

Thanks to technology you can make your home safer than ever before for you, your family and your possessions. The standard home protection for decades has included smoke detectors, window locks, a basic home security system and sometimes a neighborhood watch program. But, we now have sophisticated alarms and multiple cameras that you can monitor with your smartphone, as well as other devices that are not too expensive and that can give you peace of mind. Oftentimes too, insurance companies will give you discounts on your homeowner's insurance for installing these devices. If you want to make your home more…

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Alert for Baby Boomers: Don’t Outlive Your Retirement Money

Alert for Baby Boomers: Don’t Outlive Your Retirement Money

If you are a baby boomer, you may recall The Who's Roger Daltrey singing about his fervent wish to die before he got old. Ironically, he had no idea back in 1965 when that song was released how much of a problem longevity would be for his generation. According to Conning Research & Consulting, a provider of insurance research located in Hartford, Connecticut, baby boomers are facing changing times because productivity gains have slowed and future wage increases have been relatively stagnant despite the hot job market. There is also the question of the viability of the Social Security and…

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