Year: 2014

Many people think that long-term disability insurance is just one more needless expense. However, those who depend on their income to help support themselves and a family needs it. In fact, our ability to earn an income is probably our most valuable financial asset. Why wouldn’t you protect that, just as you safeguard other assets […]

If you knew what the future held, it would be easy to purchase the appropriate type and amount of insurance. However, this is not how life works. You never know what the future holds, which is why you should consider the many types of insurance that can keep you safe in the event of a […]

The manhunt for Boston Marathon bombing suspect Dzhokhar Tsarnaev ended with FBI agents spraying a Boston man’s boat with bullets. With the boat owner’s $50,000 watercraft destroyed, he learned that his insurance policy would not cover the damage.

Lawful police activities are generally not covered under umbrella insurance policies.

It sounds incredible, but bullet holes and other forms of damage resulting from law enforcement are not typically covered as “vandalism” under insurance policies.

In this interview, Frank Darras, America’s Top Disability Lawyer, discusses terrorism insurance and damages caused by law enforcement. Scott Sloan of WLW700 Cincinnati leads today’s discussion.

Many Americans choose not to get long-term care insurance because they assume that their spouse or other family member will take care of them if they become ill or disabled. A recent poll by The Associated Press-NORC Center for Public Affairs Research reflected that assumption by people in their 40s and older that family members […]

Our California readers are in the same boat as many others, thinking about purchasing long term care insurance to protect against future trouble. Even though most people understand the importance of insuring their valuables, such as a car and home, they don’t think about their own life in the same way. For this reason, they […]

Should a player declare his eligibility for the NFL draft? What are the pros and cons of returning to school to get his degree and finish his collegiate football career?

Disability insurance and loss-of-value insurance are incredibly important for players considered to be NFL prospects. Potential first-round draft picks potentially have 10s of millions of dollars on the line, all riding on their health and ongoing performance.

In this interview, Frank Darras, America’s Top Disability Lawyer, discusses issues concerning players in the NFL draft. Gary Pozsik of Health, Wealth and Happiness leads today’s discussion.

Football is one of the most dangerous games in the world, with players colliding at high speed with great impact on a regular basis. For this reason, injuries are extremely common. Despite the fact that injuries are a big part of the NFL, most players neglect against buying disability insurance. As one of our California […]

Long-term disability insurance, as we’ve discussed here before, is essential to keeping up with your financial responsibilities if you are unable to work for an extended period. Without a source of money to replace your income, the trauma of an injury or illness can be compounded by financial chaos. Determining how much insurance you need […]

Some retirees who aren’t ready to spend their days golfing or gardening are choosing to invest their 401(k) plan or Individual Retirement Account money into a start-up business. There’s a name for this: rollover-as-business-startup. With a ROBS, an entrepreneur can roll over an IRA or 401(k) into a 401(k) in their new company. That 401(k) […]

Nobody wants to think about dealing with a long term disability in the future. However, this is a very real possibility no matter if you are one of our California readers or live in another part of the United States. Planning and budgeting for a long term disability can be complicated, especially since the cost […]