Newsletter - Life and Health

January 2006

Have the Final Say - Create a Living Will

If you had a crystal ball and could see into the future, one of the things you would probably want to know is when you will die. Most likely you would also want to know the circumstances surrounding your death such as whether or not you will die quickly or will you require medical treatment? Since working crystal balls are a true rarity, the closest thing you have to seeing into the future and managing the circumstances accom-panying your death is a living will.
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Using Single - Premium Life Insurance to Manage Your Estate

You've probably heard your mother say it a million times, “Don't throw that out, one day it will come back in style.” And some how, some way her words always ring true and you find yourself looking at an item in the back of your closet that once again has become the hottest thing on the runway. Well, what's true for fashion is true for like insurance.
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Killing the COBRA: Health Insurance Options If You Lose Your Job

Most people who have lost a job at one time or another have been offered a COBRA plan, the opportunity to purchase on their own the very same insurance their company offered. COBRA, which stands for Consolidated Omnibus Budget and Reconciliation Act of 1986, provides for individuals and dependents to continue coverage under their group medical insurance for up to 18 months. Employees who take the coverage have also found that they were paying as much as 102% of the employer's cost. Research shows that, for a family of four, the total cost of COBRA coverage could be as much as $500 to $900 a month or even more.
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