Insurance & Annuities
Insurance and annuities are sold more than they are explained. These articles give you a clear, unbiased look at how the products work, who they fit, and the trade-offs to weigh before you buy.
Life Insurance With LTC: How a Hybrid Policy Works
Life insurance with LTC pairs a death benefit with long-term care coverage. Learn how hybrid policies work, who they fit, and the trade-offs to weigh.
Should You Save an Old Variable Annuity? A Clear Guide
Deciding whether to keep an old variable annuity? Learn how the contract works, the fees and riders to check, and how to weigh keeping it against alternatives.
Why I'm Not a Fan of Variable Annuities: A Fee Look
Why are variable annuities often a hard sell? Learn how the layered fees, surrender charges, and tax treatment work, and when one might still make sense.
Who Shouldn't Consider a Fixed Indexed Annuity?
Who shouldn't consider a fixed indexed annuity? Learn how caps, surrender charges, and liquidity needs make this product a poor fit for some savers.
Do You Need Umbrella Insurance? A Plain Guide
Do you need umbrella insurance? Learn how this extra liability coverage works, who it protects, what it costs, and how to decide if it fits your plan.