Life insurance is an essential financial tool that provides financial security for your loved ones in times of need. Selecting the right life insurance policy is a decision that requires careful consideration, as it will impact the future well-being of your family. To help you make an informed choice, here are nine important questions to […]
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Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with
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In less than 10 years, all of the nearly 70 million baby boomers will have reached the age of 65. As this massive generation starts to reach an age where extended care is needed, how will families shoulder the cost. Long-term care insurance (LTCI) can be an integral part of any family’s plan no
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October is Long Term Care Insurance Awareness Month. Traditional long term care (LTC) insurance policies have become less popular as the renewal cost rose each year making them unaffordable in many cases. When LTC insurance policies were first introduced there was not much data on claims so a lot of assumptions were used. As
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Here is some information from our website about downsizing and preparing for retirement. Your life has changed. It is a lot different than it was a few years ago. Your children graduated from college, possibly married and are out on their own. You and your spouse are now empty nesters. Or possibly your child
Are you getting ready to downsize and prepare for retirement? Read More »
Is Long Term Care Insurance right for you? You need to ask that question. Well tax day, April 15, 2019, is behind us now. Taxes are paid or you received an extension. Taxes are bittersweet. They take money out of our pockets but yet provide much needed services. I don’t have a problem paying my
Is Long Term Care Insurance right for you? Read More »
Even if you are in your thirties or forties you need to pay attention to this article. Your future retirement assets are at risk too. You insure your homes yet there is only a 1 in 300 chance of a house fire. You insure your cars and yet there is only a 1 in
What is the #1 threat to your retirement savings? Read More »
According to Medicare, at least 70% of people over 65 will need long-term care services at some point. Long-term care includes medical and non-medical care for people who have a chronic illness or disability. Non-medical care includes non-skilled personal care assistance, like help with everyday activities, including dressing, bathing, and using the bathroom. Check out
Unsure about Long Term Care Insurance? Read More »
We live for life’s wondrous moments whether it’s a baby’s first step, graduation, or retirement. Life Insurance helps to ensure the life you’ve built for your loved ones won’t come to a halt if something were to happen to you. It’s never too early or too late to consider all the things life insurance can
September is Life Insurance Awareness month! Read More »
Many clients have asked me this question: “In the past I received my Social Security statement by mail near my birthday. I have not received one recently, what happened?” The U.S. Social Security Administration no longer mails the statements. You can still get your statement annually by creating an online account on “My Social
Do you know how to get your annual Social Security Statement? Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
