Insurance & Annuities Questions

Should I file for Social Security now

Hi! I’m 65. Have TRS retirement pension. Am eligible for social security as well. I was going to wait but..

Medicare Choices after job loss

My Husband will be losing his job in June, which means we won’t have his health insurance. We both have..

Not getting Medicare at 65 if still working

Miss Terry: Is there a penalty if you don’t sign part A at 65. My brother is still working with..

Retirement investment

Hi Terry, I am 57 years old and work for a township that has IMRF. I will be vested in..

Annuity for retirement

Should I invest in an annuity to regulate my retirement money?

Selling a Life Insurance Policy

I have a $250k term life insurance policy that the premium goes up every year ! The premium is getting..

Medacare/High deductible Health Insurance Savings Account

Turn 65 next year in June, someone told me I have to STOP putting money into it 4 months before..

Blue Cross/Blue Shield Plan F Secure

I have been on Medicare since 2006. At that time, Plan F was the best. This year, since I am..

401c3 TSA, difficulty cashing in

Hello Terry, My husband has a small annuity he took out in late 80’s with Knights of Columbus when working..

Loan against life insurance

I took a loan against my life insurance policy about 10 years ago. Wasn’t in the position to pay back..

Advantage Health Insurance

Hello Terry …. Seem to recall you saying that you don’t recommend the Medicare Advantage plans. Can you please explain..

Medicare Enrollment

I will be 65 in July 2025 and retiring in August 2025. I plan on going on my husbands health..

Use of Broker or Agents to find Medicare Supplement Plan

I need to find a Medicare supplement plan and agree with you that medigap is the preferred option. Do you..

Should we surrender Second to die policy

600 K death benefit (bought second to die about 20 years ago) Paid in more premiums than surrender value, surrender..

Term Insurance

I currently have a Term Insurance Policy($400K) through my employer retirement plan. I am currently retired. As I get older,..

1 time windfall increased my Medicare costs

I had a one time only increase to taxable income 2 years ago. What is the IRS tax form I..

Delaying enrollment in Medicare A

I’m 65 and turn 66 in July. I have health insurance through Cigna provided by my wife’s employer (Aldi). I..

HSA and career change

Hi, Terry- I retired from a teaching career at a private school in June. I am still eligible to receive..

long term insurance

C AN A PERSON BUY LONG TERM INSURANCE AT 79 YEARS OLD ?

SSI

My wife was approved for ss disability can she stay on my health insurance plan

money

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