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Do I need Long Term Care Insurance?

As medical technology improves, people are living a lot longer.  Unfortunately it is not always because they are healthier, eating properly, or doing what they should be doing.  The fact is medicine is helping to keep them alive longer.   When people reach a certain point their bodies are just too frail (or their minds are…

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What is Disability Insurance and Is It Right For Me?

Most people do not think twice about insuring their $200,000 house.  But they hem and haw when approached on the subject of disability insurance.  But if a disability strikes, they will lose more than just their income.  Bills will need paid and repairs on that $200,000 house can go to the wayside.  The mortgage could…