Insurance & Annuities Questions
Indexed universal life
What is your opinion of indexed universal life as part of a retirement strategy Terry Says: Honestly, I think it...
Re: your recent column referencing Umbrella Insurance.
In your recent column on "5 kinds of insurance needed", under umbrella coverage,you stated ones requirement to have the "maximum...
Term Life Insurance after 65
Is it worth it? Terry Says: Only if you are in good health -- and if you need the insurance...
Insurance/Cognitive Decline — notification of lapse
Just read your column in today's Baltimore Sun. Don't some insurance companies allow the policyholder to name someone to be...
re”5 kinds of insurance you might need”
not a question..a comment..In your article, you indicated a carpentry might want to consider professional liability.. A carpenter or plumber...
Longterm care insurance w pre-existing illness
Can you get longterm care insurance with a pre-existing illness? Terry Says: No, sorry. Once your life expectancy is compromised,...
Help choosing Medicare supplement plan!
I'm turning 65 in February and am overwhelmed by Medicare, its options and supplements! Where do I begin and how...
Medicare or State HMO Insurance?
After working 20& yrs for State of Illinois, I am forced to retire at age 74. I have applied for...
long term care insurance
We are both 63 years old, retired teachers, and are considering long term care insurance issued through Lincoln Financial. The...
Auto insurance and umbrella liability
What is adequate coverage for car insurance and when does the line get crossed for over- coverage? Our State Farm...
Universal Life Plan
Hi Terry. I have a Roth Ira and a Universal Life Plan through American Family Insurance. The premium for the...
Finding a Medicare Part D Prescription Drug Plan
Hi Terry, A couple of years back, you published the URL of a website that helps consumers find the best...
Long term health care policy.
Best type of policy for female age 67. Does not smoke or drink. Recommendation of company would also be gratefully...
long term care column
Hi Terry! My wife and I are 58 and are concerned about long term care. I heard you discuss these...
Long term care ins — we haven’t had an increase in premiums!
My wife and I bought LTC through USAA in the early 90's when I was 60 and she was 56....
Long-Term Care — Have my benefits been reduced?
I bought a long-term care policy from MetLife over 20 years ago. I know they stopped selling new policies several...
Robo-Advisers
Terry; perhaps you've already seen my post to your FaceBook page (if not, I've included it below), but I am...
Long Term Care — Genworth?
With Genworth trading at around $4 is there a high probability that current LTC policy holders will out live Genworth?...
Long term care insurance –Huge Increases in Premiums!
Ms. Savage, Your article in the Chgo Trib on Sunday discusses 5 things to know about long term care insurance....
Whole Life Insurance options
Hello, I have both term life and whole life policies through Guardian (AIG). I purchased both when I was married...
