January 2006
      
Brought to you by Freds Insurance Incorp      
 
Be Proactive to Prevent Identity Theft

The prevalence and cost of identity theft appears to be growing. This insidious crime can have far-ranging and long-lasting consequences for its victims. Being aware of ways in which your identity can be stolen, and taking steps to prevent this event from happening, can save you time, money and grief. A 2002 General Accounting Office report noted that precise figures concerning the incidence of identity theft are difficult to obtain due to the many forms this crime takes and the absence of any one single database or reporting hotline that tracks its occurrence.
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What Makes an Annuity So Special Anyway?

A recent survey commissioned by the Metropolitan Life Insurance Company's Senior Marketing Institute discovered that many people, if not most, do not fully understand or appreciate the unique qualities of the typical income annuity contract.
Furthermore, the situation is made more difficult because too many “financial experts” writing in various publications do not fully understand them either. This product is too important not to be understood correctly by the people with the greatest need for it!
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Managing Retirement Risk with Long-Term Care Insurance

Today's retirement isn't what your parents envisioned. The good old days when you retired at 65 and lived another 10 to 15 years are gone forever. Medical advancements and healthier lifestyles are allowing Baby Boomers to live longer than their parents ever imagined. While the prospects of living longer can be exciting, they don't come without a price tag. Living longer increases the possibility you'll eventually need long-term care. Paying for these services can empty your wallet and put a strain on family members having to foot the bill when your finances run dry. In this age having long-term care insurance (LTCI) makes a lot of sense.
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