Still Working at 65? How Medicare and Group Health Insurance Fit Together
Still working at 65? Learn who pays first, when Part B can wait, and what to check about COBRA, prescriptions, HSAs, and leaving employer coverage. Read more
Retirement Planning
The Rule of 110 and Life Insurance: Planning for a Bear Market
The Rule of 110 helps start an investment allocation discussion. Learn how an existing cash-value life policy may add another option for temporary expenses during a bear market—and what the trade-offs are. Read more
When Retirement Costs Rise in a Bear Market: Can Life Insurance Cash Value Help?
Rising everyday costs can strain a retirement plan during a market decline. An existing cash-value life policy may offer another source of funds, but loans and withdrawals have costs and risks. Read more
Rule of 110: A Simple, Smart Guide to Retirement Risk
The Rule of 110 offers a simple starting point for considering stock exposure by age, but retirement risk also depends on withdrawals, income, inflation and time horizon. Read more
Retirement Sequence Risk: 15 Smart Ways to Protect Income Near Retirement
Retirement sequence risk describes the danger that poor investment returns early in retirement can cause more lasting damage when a retiree is also withdrawing money. A market decline at age 40 can be uncomfortable, but continued contributions and decades of potential recovery may help. A similar decline immediately before or after retirement can be harder … Read more
401k Rollover Options: Can You Move Your Retirement Plan Into an IUL or Annuity?
Compare 401k rollover options, including employer plans, IRAs and annuities, and understand why an IUL must be evaluated as a separate life-insurance purchase. Read more
IUL Retirement Planning: Reducing Investment Risk Near Retirement
Explore how IUL retirement planning may provide another source of flexibility near retirement, along with the policy costs, limitations and risks that must be considered. Read more