Insurance & Annuities Questions

Long Term Care Ins.

I am 78 years old and have applied for Long Term Care Ins. I qualify for a policy costing $16,000..

Premium Tax Credit for Obamacare

Terry, I am shopping the Health Care Marketplace for coverage, as my employer is moving us to COBRA. Do I..

Blue cross Blueshield settlement

Good morning Terry, My question is about Blue Cross Blue Shield settlement. Is it real? Scam Y/ N. Pros and..

Whole life Insurance

I have a Met Life Whole Life Insurance policy on myself. Annualized premium is 489.00. Total Current Death Benefit: 61,640.92..

ACA Heath insurance changes

Hi, Terry. It is my understanding that the latest stimulus bill includes provisions for health insurance. Especially for those like..

Payback of advance subsidy for Obamacare

We signed up for market place last yr and picked a policy we could afford. Had no idea about subsidy...

Individual disability

I would like to purchase individual disability insurance for myself. I do not know where to go to do this...

Pension buy out now in annuity

I had a pension buy out that I put into an Allstate annuity fund 8 years ago, it was supposed..

Long term care insurance

Hi Terry, Is long term care insurance a good thing to buy? I’m 58 years old, pretty good health but..

taxation of annuity distributions

I have a non-qualified annuity that we just started receiving distributions in 2020. Most of the internet articles say that..

Long Term Care Insurance Choice

Hello Terry, We are purchasing long term care insurance for myself (53). We cannot afford the hybrid, and on your..

Indexed Universal Life

Hello Ms. Savage, What are your thoughts on Indexed Universal Life insurance policies? Thank you, Scott

Choosing Medicare open enrollment options– Beware!

If you choose a Medicare Advantage plan can you switch back to a regular Medicare plan next open enrollment? Thank..

HSA Deposit Error by my company

Hi Terry, I have an HSA at First Am Bank. As part of my cafeteria plan at work, my employer..

Contact information for Small Business Health Insurance

What was the contact info for the November 15th enrollment for a great small business health insurance plan for a..

Medicare prescriptions — switching Part D plans

Hi Terry, I have had the blue cross medicare prescription plan for many years and I am not on any..

Medicare Supplemental Insurance — Why?

I think I’m about to drop a bomb of a question. Here goes: What do you need supplemental Medicare insurance..

Health Savings Account contributions in retirement

Can I contribute/transfer money from my 401k to my health savings account when I am retired?

long term care policy for married couple age 68 and 70

I am getting conflicting advice One broker recommends a straight forward long term care policy to offset limited benefits with..

Medicare vs Bluecross Supplement

I retired from the gov’t and retained my Bluecross and picked up Medicare A & B . Ipay $386 per..

money

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