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Category: Insurance & Annuities

6 posts categorized as "Insurance & Annuities"

The Importance of Health Care Planning During a Time of COVID

Jan 26, 2021

By Jeffrey R. Wolfe, Senior Vice President, Manager of Wealth Planning Strategies

Times have changed.  Masks, social distancing, quarantine – it’s a new world.  One thing that remains, though, is making sure you plan for yourself in case of an emergency.  Perhaps one of the most overlooked planning needs, but one that is incredibly important, is incapacity planning.

Many people either fail to address incapacity or just think it “won’t happen to me.”  While that logic has always been flawed,

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The Time for Life Insurance is Now

Sep 3, 2020

By Dan Schulte, Senior Vice President and Manager, Annuities and Insurance

The COVID-19 pandemic has illustrated just how quickly lives can change due to illness and/or death.  The outbreak has resulted in many people thinking about how to increase the financial security of their families, now and into the future.  This has put reviewing life insurance needs front-and-center in many planning discussions.  Whether you’ve been putting off buying life insurance for years,

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Did You Know There is a Financial Product That Can Offer Some Peace of Mind During Uncertain Times Like Now?

Mar 25, 2020

By Dan Schulte, Vice President and Manager, Annuities and Insurance

These last few weeks have demonstrated how connected our world is. In addition to the virus spreading, financial anxiety is also spreading across the land. While annuity products cannot make you immune from a virus, they can help relieve your financial anxiety by contractually guaranteed* products that can be designed to fit your needs.

When the market swings wildly as it has recently,

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Lifetime “Stretch” IRA Dies; Life Insurance Lives

Feb 27, 2020

By Dan Schulte, Vice President and Manager, Annuities and Insurance

The recently passed Setting Every Community Up for Retirement Enhancement (SECURE) Act, changes the post-death distribution rules for retirement account owners by requiring most beneficiaries to receive funds from their inherited account within 10 years after the original owner’s death.   This change mandates much faster distributions than what was previously allowed under the ‘stretch’ provision, which lets beneficiaries spread distributions over their own life expectancies. 

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Long Term Care Insurance Month – A Personal Story

Nov 27, 2019

By Joanne M. Welker, CFA, Senior Vice President and Manager, Advisory Services

When I read Dan Schulte’s blog last week about addressing Long Term Care denial, I was thankful my father didn’t experience such denial and it prompted me to want to share my personal long term care story with you –

My personal Long-Term Care Insurance Story

I first heard about Long Term Care insurance when I was in my mid-twenties and my dad was upset about the insurance company denying coverage on my mom. 

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September is Life Insurance Awareness Month: Are You Covered?

Sep 18, 2019

By Dan Schulte, Vice President and Manager, Annuities and Insurance

September is Life Insurance Awareness Month which is a month-long public awareness campaign sponsored by the nonprofit organization Life Happens.

If the income you earn would suddenly stop, due to death, could your family continue to meet their financial obligations such as paying the rent or mortgage, paying bills, daily living expenses, or even sending a child to college?

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