Insurance & Annuities Questions
Disability insurance or college fund?
What are your views on Disability Insurance? I took out a policy 5 years ago after my divorce because I...
Life insurance Whole life insurance policies with Northwestern Mutual Life Ins. Co.
I have three NML insurance policies & all are paid up with quite high cash values, etc. I am retired...
Risky Life Insurance
This week you discussed life insurance. You were warning people about a certain type of policy that tends to be...
From Universal Life to Whole Life
We recently converted our universal whole life policies (which we had for 35 years) to whole life insurance. However, for...
IRA withdrawals hit Health Plan premium subsidy! Act NOW!
In 2014 I took money out of my Prudential IRA. Had some medical bills and had given my 2002 Ford...
term life insurance ending
At what point do you stop needing life insurance. my term life just ran out. to renew it went from...
Buy life insurance on grandkid’s parents?
Can (or should) my wife and I buy an adequate life policy on one or both of my daughter and son-in-law...
ACA open enrollment – How do CSR’s work?
Enrolling via the marketplace for the first time this year. Your article in the Tribune mentions cost sharing reductions potentially...
Medicare Supplemental Insurance Plans – any gotchas?
I am 69, and have been experiencing chronic back and hip pain. I received ultrasound physical therapy last year but...
Cancel my disability insurance now?
Do I still need disability insurance? I can afford it. I am a 61 yr. old dentist who hopes to...
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...
