Author Archives: Deborah R. Marino

Life Insurance with a Refund (Return of Premium)

When shopping for life insurance, make sure your advisor completely knows your financial situation as well as your needs during various years of your life.

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What to Do If Your Term Life Insurance Policy Is About to Expire

One advantage of term life insurance is that it is generally the most cost-effective way to achieve the maximum life insurance protection you can afford. However, if your term life insurance policy is set to expire in the near future, it’s important to explore your options now before the coverage runs out.

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Designating a Beneficiary for Life Insurance

A beneficiary is the person or entity you designate to receive the death benefits of a life insurance policy. Some states require that your beneficiary have an insurable interest in your life or be related to you, while others have no such restriction.

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Five Myths About Group Disability Insurance

You may think that the chances of becoming disabled during your working years are slight, and even if you did get hurt or had to miss time at work, you could get by because you have group disability insurance. Unfortunately, you may be in for a big surprise.

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Does Your Business Need a Buy-Sell Agreement?

When you’re mired deep in the day-to-day challenges of the management of your business, it’s often hard to step out of the trees and take a good hard look at the forest. But at various points in the business cycle, it’s important to do just that.

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Why a Life Insurance Claim May Be Denied

There are several reasons insurance companies may attempt to deny, or at least delay, paying a claim for the death benefit. Here are some possible circumstances when a death-benefit claim may be contested by the insurer.

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The Billion-Dollar Lost-and-Found of Unclaimed Life Insurance Policies

It is difficult enough to deal with the emotional loss of a loved one. But what if your deceased loved one’s financial documents – particularly their life insurance policy or policies – have been misplaced, or simply can’t be found?

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Do You Know When Your Life Insurance Policy Expires?

Many people do not know even basic details about their life insurance policies—what’s in them, what they cover, what they don’t cover, key exclusions, beneficiary provisions and so on. For so many reasons, it is extremely important to have your policy reviewed at different stages in your life.

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A New Way of Thinking About Long-Term Care Insurance

What is wrong with this math? Less than 10% of people in the U.S. have long-term care insurance, yet roughly 70 percent of Americans over 65 will need some form of long-term care at some point in their lives, according to a study by the U.S. Department of Health and Human Services. Pretty unbalanced, isn’t it?

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Don’t Let an Employee’s Injury Become a Financial Injury

Many business owners are surprised to learn that wages paid to a disabled employee, when such payments are not authorized by a written formal plan, are not tax-deductible business expenses.

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