Employee Benefits

In the first stage of a multiphase approach to expanding its life insurance portfolio, Aflac recently added a universal life plan with long-term care benefits and more.

Many retirees are unaware of the market value of an asset they already own: their life insurance policy.

Despite the constant push for people to develop a reasonable plan for a comfortable retirement, procrastination seems to get in the way.

Royal Neighbors, one of the first insurers to focus on women empowerment and financial stability, offers the Promise Plus cancer waiver rider on its universal and whole life products. The most recent addition comes to its new term life offering, JETerm.

A cancer diagnosis can devastate a family, both emotionally and financially. To help ease that burden, Royal Neighbors now offers a rider on its universal life insurance that waives monthly deductions for two years following a diagnosis.

This summer, Federal Long-Term Care Insurance Program officials said some 274,000 current and retired federal employees enrolled in the program can expect an average premium hike of $111 per month.

As the population ages, costs of Medicare, Medicaid and Social Security will continue to put stress on state and federal budgets.

As your clients approach age 65, make sure you address their health insurance exposures to help them avoid potential coverage gaps and penalties if they miss the initial Medicare enrollment period.

Most people believe the U.S. economy is struggling. That doesn’t have to be the case for your clients.

More than 43 million Americans have student loan debt. For those who borrowed from private lenders, untimely death could mean serious trouble for co-signers and spouses—unless they have life insurance.