September 24, 2015
Most of us take more time planning our vacations than our financial futures. That’s why we decided that a quick chat with a top financial advisor might do us all some good. We spoke with Sarah Kaelberer, CFP, ChFC, who is a partner and President of Business & Estate Advisers Inc. in the Minneapolis area. She led us through some common misconceptions about life insurance and who actually has an “estate.”
May 12, 2015
Valerie says that she is sharing her story so that others could learn from it: “Most people think, ‘It will never happen to me,’ but the truth is it can—and does. Everything else goes away if you don’t have disability insurance coverage and you can’t work.”
May 6, 2015
Figuring out if you need to protect your paycheck—really, your ability to earn an income—with disability insurance is pretty easy. If you have a job and you rely on your paycheck to meet your monthly bills and financial obligations, you need it.
In essence, disability insurance is there if you suffer an injury or illness and can’t work for an extended period of time. It will replace a portion of your income until you’re able to return to work again.
But most people who are working don’t have this basic protection for the long term, and often it’s because they assume they don’t need it. Here are four common mistakes people make when it comes to understanding disability insurance and its importance in protecting your ability to earn an income.
April 27, 2015
Since when does paying for a cell phone, a vacation or going shopping trump taking care of your loved ones long term? Here are some astonishing facts we found in our new 2015 Insurance Barometer Study, plus an easy and affordable “fix” called life insurance.