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What to Know Before Selling Your Life Policy

While it’s not as popular an option as it was in the 1980s, selling a life insurance policy through a life settlement (or, for the terminally ill, a viatical settlement) is still an option explored by many seniors in need of some funds to help pay for medical and living …

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The Benefits and Drawbacks of Guaranteed Life Policies

The Benefits and Drawbacks of Guaranteed Life Policies   Some of the products advertised to the senior audience are extremely helpful in enhancing their lives throughout retirement. Other products, however, offer little real value and make a lot of promises that are simply untrue. One of the products often advertised …

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Life Insurance Awareness Month

September is Life Insurance Awareness month and at The Retirement Institute, that means we spend a few weeks deeply focusing on life insurance and how it impacts both pre- and postretirement seniors.   Why Life Insurance Matters to Seniors   Many seniors are concerned about the legacy they’ll leave behind …

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Five Medication Mistakes

Five Medication Mistakes   It’s not unusual to be regularly taking one or more prescription medications by the time you reach 55. Even if you don’t take a prescription med, you might be taking over-the-counter meds such as aspirin, Benadryl and Aleve to help with your pain, allergies and sleeping. …

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Don’t Believe Every Meme You See

Every day we come across dozens, if not hundreds, of Facebook memes, ideas that are spread quickly on social media, such as those pictures with words on them. These memes are supposed to be sharing “useful” information—from toothpastes that can kill us to breakdowns of a candidate’s political history, to …

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Should You Borrow from Life Insurance?

  One of the benefits of having a whole or permanent life insurance policy during retirement is that it allows for tax-free loans from the accumulated cash values. These cash value reserves can provide an essential source of postretirement income for lifestyle maintenance, emergency expenses and major purchases. But it’s …

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Do You Have to Claim Winnings and Gambling Income?

The Internet isn’t just the information superhighway, it’s also a gambler’s dream come true. From online slot machines to poker games, bingo to fantasy football betting, gambling is an extremely popular online pastime among retirees. If you have income from gambling or winnings through events such as lotteries and raffles, …

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