Understanding Indexed Insurance Products

Steve Baker — Tue, 08 Jun 2010 03:47:40 +0000

This video is an introduction to the basics of Indexed Insurance Products and how the fit in today’s market.

If you would like to know more about Indexed Life Insurance and Annuitites, and how they could enhance your retirement portfolio, give me a call using the call me widget to the right. [...]

Protecting Your Business

Steve Baker — Wed, 19 May 2010 14:20:59 +0000

If you are a business owner, you have the added responsibility of your business to worry about on top of your family. The following information can help you start thinking about possible solutions to your needs and help you prepare to consult with us.

Helping Your Business Grow Don’t have a Harvard MBA? You’re [...]

Affordable Life Insurance

Steve Baker — Wed, 19 May 2010 13:55:14 +0000

CLICK ON RATES TO ENLARGE

If you would like to apply for coverage or get a customized quote from one of our representatives, simply fill out the form below and we will get back to you within 24 hours.

The Family Retirement Plan

Steve Baker — Wed, 28 Apr 2010 14:45:54 +0000

Making the Most Out of Life™

The old expression, “Life is short,” requires perspective to understand. A teenager hearing this thinks you’re crazy and a middle-aged person thinks you’re spot on. The decisions we make — and when we make them — can create a domino effect that can either work for us or against us. Take [...]

Recovering Our Retirement Dreams

Steve Baker — Wed, 28 Apr 2010 14:36:19 +0000

In this report, we are going to examine the external pressures, autopilot spending and management of government entitlement programs that will impact you and your retirement. Please watch the video and then contact me for a [...]

The Family Retirement Plan In Detail

Steve Baker — Wed, 28 Apr 2010 14:35:50 +0000

With the Family Retirement Plan, you harness the power of tax deferred growth with tax free income to help you make the most out of life. Watch this 7 minute video and then contact me for a [...]

How To Be Wealthy but Look Poor On Paper

Steve Baker — Wed, 28 Apr 2010 14:31:10 +0000

When it comes to pursuing the American dream … most of us try as hard as we can to accumulate wealth so that we can enjoy a comfortable retirement and retire with dignity. But what if you were actually wealthy in retirement and at the same time looked poor to the IRS … how would that [...]

Retired Couples May Need $250k For Health Care

Steve Baker — Fri, 02 Apr 2010 18:09:51 +0000

Relief to seniors facing high prescription drug costs is one of the first changes to come under the new health care overhaul. But ultimately that won’t offset the relentless increase in retirees’ medical expenses.

A couple retiring this year will need a quarter of a million dollars, on average, to cover medical expenses [...]

Buy Term Life Insurance & Invest the Difference?

Steve Baker — Fri, 02 Apr 2010 17:28:53 +0000

A Twist On an Age-Old Argument

It’s been debated for generations. Term life insurance versus permanent life insurance? Which one is “better”? In recent years a new concept has crept into the debate: rather than choosing a permanent life insurance policy, you purchase a lower cost term insurance plan and invest the difference.

This approach may be well [...]

Don’t Let a Disability Cripple Your Family’s Finances

Steve Baker — Fri, 02 Apr 2010 17:15:20 +0000

You probably understand the important role that life insurance can play in helping provide for your family in the event of an untimely death. But did you know that a 40-year-old man is three times more likely to suffer a disability than to die? The risk of disability for a 40-year-old woman [...]

Protecting Your Most Important Asset

Steve Baker — Fri, 02 Apr 2010 17:00:21 +0000

What’s your most important asset? Your home? Other property? Savings? For most Americans, one particular asset is more important than any of these. Everything most people own is dependent on their ability to earn an income. It’s that steady paycheck that allows you to hold on to what you have.

If you became unable to work because [...]

What Does Long Term Care Insurance Cover?

Steve Baker — Fri, 02 Apr 2010 17:00:20 +0000

Most long-term care policies will pay a preset amount of an insured’s long-term care costs when the insured is certified by a licensed health care practitioner as a “chronically ill individual.” To be certified as a chronically ill individual the insured must either (1) require substantial supervision to protect himself or herself from threats to health [...]

Tips for Healthy Life Insurance

Steve Baker — Fri, 02 Apr 2010 16:48:39 +0000

At least 32 million U.S. households own insurance policies that are not appropriate for them, according to a recent survey.1 This doesn’t necessarily mean that people routinely buy the wrong insurance. It’s more likely that they buy good coverage but don’t update their policies to reflect changes in their lives.

Some obvious life [...]

Higher Education Pays, But So Will You

Steve Baker — Thu, 01 Apr 2010 01:11:28 +0000

Even as the economy stumbles, the price of a college education keeps on climbing. Average tuition and fees at public four-year colleges and universities rose 6.4% in the 2008–09 academic year, while costs at private four-year institutions rose 5.9%.1

Higher college costs and trying economic conditions have interrupted the education plans of many [...]

Critical Illness Insurance

Steve Baker — Thu, 01 Apr 2010 00:07:52 +0000

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It gives you the freedom to:

Get the treatment you want Spend time with your family [...]

Life Insurance

Steve Baker — Thu, 01 Apr 2010 00:01:13 +0000

Life insurance is for the living. It gives you and your loved ones:

A financially secure future Life’s necessities and the little extras A good night’s sleep

In addition to providing death benefits so your loved ones can carry on financially without you, certain types of life insurance can build cash value to secure your own financial future. Life insurance [...]

Real Stories Real People: One Woman’s Experience

Steve Baker — Wed, 31 Mar 2010 23:57:30 +0000

Maintaining Control

“It was like clockwork. At the end of every month, I’d walk to the mailbox and there was a check from Mutual of Omaha. It was such a feeling of relief.”

These days, Noreen Kidger has everything just the way she likes it – under control. Whether it’s her job as a nurse in Manhattan, an [...]

Why Is Long-Term Care Such a Hot Topic Now?

Steve Baker — Wed, 31 Mar 2010 22:43:22 +0000

It seems that everywhere we turn today we hear more and more about long-term care and long-term care insurance. It has been a regular topic of magazine and newspaper articles, and a recent topic of discussion throughout health care and financial circles. Why are so many members of the media, the government and other groups discussing [...]

Medicare and Long-Term Care

Steve Baker — Wed, 31 Mar 2010 22:38:11 +0000

It is a common assumption that Medicare will help pay for long-term care. Many people have worked towards retirement assuming that should they need long-term care at some point in the future, they could count on Medicare to help pay the bill. Medicare is health insurance for people over the age of 65, long-term care is [...]

Medicaid and Long-Term Care

Steve Baker — Wed, 31 Mar 2010 22:36:37 +0000

Medicaid will cover the cost of some types of long-term care, but to qualify one must meet Medicaid’s strict income and asset eligibility requirements. Medicaid was designed as a resource for individuals who could not otherwise pay for their own medical needs. It was not designed to act as a national long-term care financing tool. Medicaid [...]

Financial Foundations» 1-Insurance