Archive for July, 2010

Posted by dsclarkkk ADD COMMENTS

In one of my previous posts I explained the two types of fixed annuities and how each one is used in your retirement savings strategy. In this message I’ll explain the various payout options you have when choosing to receive income from your annuity.
The amount you’ll receive is determined by the amount of your deposit [...]

Categories: News
Posted by dsclarkkk ADD COMMENTS

Unfortunately, most people covered by health insurance have a false sense of security, especially if they are covered by an employer sponsored health plan. Almost 7 out of every 10 bankruptcies filed each year are due to catastrophic medical expenses, and most of those individuals had health insurance coverage. If you or your spouse is [...]

Categories: News
Posted by dsclarkkk ADD COMMENTS

There are two types of fixed annuities, immediate and deferred. An immediate annuity is exactly what the name implies, a contract with the insurance company to begin receiving income IMMEDIATELY. You have several income options with an immediate annuity. You can have income paid for a specific period of time OR you can choose to [...]

Categories: News
Posted by dsclarkkk ADD COMMENTS

If you’re interested in learning about ways to lower your health insurance premiums, you may be interested in hearing about a new type of insurance plan that is becoming more popular these days: Health Savings Accounts, or HSAs in California and other states.
These are modified PPO plans that provide comprehensive coverage but with a substantially [...]

Categories: News
Posted by dsclarkkk ADD COMMENTS

The question always comes up when discussing a family’s life insurance needs, “whole life or term”? For the 95% of families that need to secure “income replacement” life insurance coverage the answer is unequivocally TERM coverage. These families don’t need the cash accumulation and low face value permanent insurance, they need as much death benefit [...]

Categories: News
Posted by dsclarkkk ADD COMMENTS

Life insurance is one of those topics like religion and politics we are conditioned NOT to talk about. However, that being said life insurance is a necessary and invaluable tool in your financial portfolio, if used correctly. Regardless of what your financial planner/advisor tells you there are only two reasons for life insurance and they [...]

Categories: News