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What is long-term care?

By: Adam Bezman, Senior Director, Product & Innovation

We recently posted an article on a few of the many insurance terms that can confuse consumers. But, there’s one in particular that warrants a closer look. That’s because it’s an increasingly important term and it’s often misunderstood. As you might guess from the title, the term is “long-term care.” 

Posted on July 26, 2018 in Life Insurance

Your insurance cheat sheet

Insurance isn’t always easy to understand. In fact, for many it can be downright confusing and a lot of consumers don’t understand their benefits.  A survey found that only 7% of employees could define four basic health insurance concepts: plan premium, deductible, co-insurance and out-of-pocket maximum. Below are some common insurance terms that can sometimes trip consumers up, along with simple definitions to help provide a better understanding.

Posted on June 08, 2018 in Life Insurance Wellness

How to find long-term care options in today’s marketplace - Part 2

By: Adam Bezman, Senior Director of Product and Innovation

With the collapse of long-term care (LTC) insurance options and numerous carriers leaving the market, consumers are clamoring for options. At the same time, health insurance premiums are continuing to rise, and for some, they increased up to 50 percent this year—leaving consumers with less disposable income to spend on voluntary products like life and LTC insurance.1 Finding a policy with both life and an LTC option, at a good rate, can be a real challenge. 

Posted on April 03, 2018 in Life Insurance

How to find long-term care options in today’s marketplace - Part 1

By: Adam Bezman, Senior Director of Product & Innovation

With market exits from major long-term care carriers, how are consumers getting access to these needed benefits, affordably? In this series, we will discuss two life and long-term care policy options. In particular, benefit restoration and a flexible death and long-term care benefit. Both provide a significant amount of value to the policyholder, but not all of these plan options are created equal.

Posted on March 21, 2018 in Life Insurance

A new perspective on life and long-term care insurance

By: Jodi Allen, Regional Sales Director, Mountain Region

Sadly, none of us are getting any younger. Maybe you see it in the mirror every morning, or in your parents or the incredible impact that aging can have on finances. So, if aging is inevitable, and if it poses risks to a person’s finances, why are so many underprepared, and what can they do to fix it?

Posted on December 07, 2017 in Life Insurance

6 times you should revisit your life insurance coverage

Whether it’s buying a house or planning for retirement, some of the most important milestones in your life should serve as triggers for revisiting your life insurance coverage. 
  1. When you land the job or finally decide to leave it: A career switch is a great time to reevaluate your supplemental or employment-based life insurance needs

Posted on September 26, 2017 in Life Insurance

Life Insurance Awareness Month: How to tackle the growing life insurance gap

By: Dan Johnson, Vice President of Sales and Marketing

Today’s employees are empowered to make their own insurance decisions. Sometimes that creates a balancing act – between costs and priorities. In this marketplace, life insurance is, unfortunately, one of the areas that often takes a backseat. But is that the right direction for employees? Usually not. Since September is Life Insurance Awareness Month, it’s the perfect time to look at this situation, what may cause it, and some possible solutions. 

Posted on September 13, 2017 in Industry Life Insurance

Innovation starts with listening to the customer

Innovation is the driving force behind advancement. To move forward requires fresh thinking and fresh ideas. In the world of insurance, this is every bit as true as it is in other fields, but the human element involved in insurance lends a different slant to the way we approach innovation. We’re not building a faster car or looking to improve computer processing power, we’re looking to better protect our policyholders. Keeping that idea as our focus is what leads to insurance innovation.

Posted on August 01, 2017 in Critical Illness Life Insurance Trustmark

Making the most of life insurance

People understand the need for life insurance. In fact, 80 percent of Americans say that life insurance is something most people need. The need for life insurance to protect an individual’s family in the event of their passing may be obvious to most, but there are a is a whole new way for policyholders to stretch the value of their life insurance.

Posted on July 18, 2017 in Life Insurance

Supporting employees who are caregivers

By: Christin Kuretich, Director, Product & Innovation

People can wear all kinds of different hats: employee, spouse, parent, friend, advisor and, in many cases, caregiver. More than one in six U.S. employees has, in effect, a secondary job as a caregiver for a relative.1 A growing elderly population means, the number of employees who are caregivers is only going to increase. As pointed out in an article in Employee Benefit News, this raises the stakes for employers when it comes to supporting these employees who are also caregivers.

Posted on May 24, 2017 in Critical Illness Life Insurance

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