John Hancock Discontinues Long Term Care Insurance

After a recent analysis of the macro-economic trends facing the long-term care (LTC) insurance industry, John Hancock has made the difficult decision to discontinue sales of our individual LTC insurance policies in all states. As many of you well know, the distribution landscape ...

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How to Prevent the Cost of Critical Illnesses From Destroying Your Retirement Savings

Understanding your total exposure to health care expenses is the best way to prevent the cost of critical illness from destroying your retirement savings.

Prevent Critical Illness From Destroying Your RetirementHealth care is clearly the greatest financial risk faced by retirees. The incidence of expensive chronic diseases is higher f...

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Living Benefits Protect Against Affordable Care Act Drug Access Restrictions

 The Affordable Care Act covers preexisting conditions except when it comes to prescription drugs.

Perscription DrugsAdvancements in specialty drugs have the potential to significantly improve the lives of patients suffering from serious, chronic and life-threatening conditions – from cancer to he...

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How to be Legally Opt Out from Obamacare


We get asked, on a daily basis, if there are ways to legally avoid the high cost, low value of the Obamacare insurance exchange products AND not pay a penalty for purchasing insurance that best fits the insured's needs.  Here are the options that we share: 1) If the lowest-p...

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