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Reason March 2009 Ronald Bailey	Pay Up A new study, by economists at Brigham Young University, the Brookings Institution, and the National Bureau of Economic Research, found that community rating raises premiums by 10 percent to 17 percent for individual policies and by 21 percent to 33 percent for family policies.
The Motley Fool December 5, 2008 Dan Caplinger	Can You Afford This Bailout? Companies including MetLife, Manulife Financial's John Hancock division, and Genworth Financial have increased long-term care premiums -- increases that many policyholders never expected to see.
BusinessWeek October 8, 2009 Aaron Pressman	Getting Health Insurance When You're Laid Off The government is giving jobless workers help with COBRA, but other plans may be better. Check carefully to see what's covered.
Investment Advisor April 2010 Ron Pechtimaldjian	Economy Alters Buys of LTC Insurance The age of purchasers of long-term care insurance in 2009 increased for the 55-and-older group over 2008.
The Motley Fool August 3, 2007 Dan Caplinger	When to Buy Long-Term Care Insurance Long-term care insurance pays out financial benefits to help you pay the expenses of nursing homes and home health care. Should you buy now, wait, or just skip the whole thing?
Registered Rep. November 20, 2012 Alan Lavine	Lock into Long-Term Care with Hybrid Policies Combining life insurance and annuities with long-term care policies can protect against premium hikes or the risk of never making a claim. Here's how to make sure they are right for your clients.
The Motley Fool October 30, 2006 Tim Beyers	Foolish Advice on Life Insurance Life insurance seems simple. And it should be. But more and more agents are selling complex, commission-boosting products that do little for consumers. Be cautious and buy only the minimum.
BusinessWeek July 3, 2008 Anne Tergesen	Keeping Covered Why companies -- and insurers -- are suddenly interested in offering health insurance to early retirees.
BusinessWeek July 30, 2007 Matthew Goldstein	Even The Insurers Have Hopped On Board Most insurers also realize life settlements aren't going away -- and so they're getting into the game. By sinking money into the sector, insurers can get back at least some of the money they now have to pay out in death benefits.
Managed Care September 2000	Any way you cut it, employers appear to save if Medicare adopts drug benefit A new analysis suggests that a prescription drug benefit in Medicare would reduce employer expense for health coverage--which, in turn, could encourage more employers to offer some form of drug coverage and thus reverse this erosion...
Registered Rep. May 25, 2011 Mark Miller	Pros and Cons of the Healthcare Reform Law The new health reform law already is changing the health insurance market in important ways that will affect your clients' choices and expenses.
The Motley Fool February 4, 2011 Selena Maranjian	Grab a Piece of This $11 Million Despite its industry's current turbulence, there's a good chance you'll need long-term care insurance.
Financial Planning November 1, 2005 Kathy Gevlin	Bookshelf The New Insurance Solution: How to Get Cheaper, Better Coverage Without a Traditional Employer Plan, by Paul Zane Pilzer, claims that the healthcare revolution has already begun -- most people just haven't realized it.
Financial Advisor November 2010 David Armes	What To Expect Understanding upcoming health-care reforms.
Managed Care October 2000	Employer-based coverage up in strong economy Health insurance premiums rose 8.3 percent over the past year for all types of coverage, according to an annual survey of employers...
Investment Advisor September 2010 Marlene Y. Satter	Insurance Update: Is It Really a CLASS Act? How the new government long-term care insurance program may affect your clients.
Registered Rep. October 23, 2012 Mark Miller	Playing Health Insurance Roulette Most seniors will need long-term care at some point. Here's how to plan for that.
The Motley Fool January 31, 2011 Selena Maranjian	5 Car Insurance Surprises Save money and get the auto protection you really need.
Registered Rep. March 11, 2011 Mark Miller	Navigating the Long-Term Care Minefield Long-term care insurance is a tough market to navigate -- for clients and planners alike.
Financial Advisor July 2008 Allen Hamm	A Better Option The long-term care insurance industry is up to a new trick: Marketing LTC insurance through groups.
Financial Planning April 1, 2007 Elizabeth O'Brien	Are Your Clients Covered? Today's healthcare system demands vigilance from consumers and planners alike. Some financial planners are taking on the complex, expensive market for individual health insurance. And they're finding solutions.
Registered Rep. February 15, 2011 Alan Lavine	Getting Life Insurance For Clients With Medical Conditions It's getting easier for clients with pre-existing medical conditions to get life insurance coverage today.
Investment Advisor August 2009 Marlene Y. Satter	Side Effects Advisors might want to take a look at clients' term life insurance coverage.
Managed Care October 2005 Martin Sipkoff	The Lure of Tax Reform Politicians on both sides of the aisle are considering tax reforms as a way of fixing the health care system. What might it mean for health plans?
Managed Care March 2005 John Carroll	HSAs: Early Returns Are In A significant number of consultants, insurers, politicians, and, oh yes, the companies that purchase health care are increasing their interest in health savings accounts.
Financial Advisor January 2009 Allen Hamm	Read Carefully Big improvements have come to long-term care insurance, but financial advisors need to be aware that some policies still contain unacceptable restrictions for accessing benefits.
The Motley Fool June 14, 2007 Dan Caplinger	What Dad Really Needs It's not very exciting, but everyone needs good insurance.
Entrepreneur September 2002 Joshua Kurlantzick	Through the Roof Nationwide, small businesses are about to be swamped by a perfect storm of changes that should prompt drastically higher health-care costs for 2002, 2003 and beyond. How to find a way around skyrocketing health-care costs?
Entrepreneur March 2010 Rosalind Resnick	Get the Most Out of Life Knowing what you're getting into with life insurance will prevent you from overpaying - and from being underinsured.
The Motley Fool October 26, 2007 Buz Livingston	Buy Term, Young Man Don't fall for insurance hype. By taking up so much of a young family's budget, whole life doesn't give most families the balanced financial plan they need.
Managed Care August 2000	Any International Health Plan Has To Be Cheap An affordable option for integrated health care bridging private U.S. insurers and Mexico's social security system would save American employers money while providing better care to Mexicans who work in the U.S. but whose families live in Mexico, according to a study.
BusinessWeek July 12, 2004 Howard Gleckman	Providing For Your Own Care Long-term care insurance is getting even more pricey, so shop carefully.
Managed Care February 2008 John Carroll	Move to Mandatory Coverage Wouldn't Ensure Universality Compared to the existing state of affairs, there's a lot to like in mandatory coverage, but the Massachusetts experiment is a lesson to not expect miracles.
Financial Planning April 1, 2011 Ingrid Case	Crisis Brewing Many long-term care policy owners received uninsulated surprises recently -- substantial rate increases from carriers including MetLife, John Hancock and TransAmerica. What alternatives can planners suggest to clients?
Managed Care September 2003 Martin Sipkoff	This Isn't the First Attempt To Shift Cost to Employees Companies are decreasing their share of medical insurance premiums. It remains to be seen how this will affect workers' health status.
The Motley Fool September 3, 2010 Dan Caplinger	Don't Make This Life-Changing Mistake Too many people have given up life insurance coverage.
Investment Advisor September 2008 Melanie Waddell	LTC Payouts: $3.5 Billion in '07 Approximately 180,000 Americans with long-term care insurance policies were paid benefits in 2007, according to a new study.
Financial Planning December 1, 2009 Donald Jay Korn	Prudent Policy Agents should help their clients reevaluate their insurance policies at the end of every year.
Managed Care January 2004	Large Employers Now Use DM To Cut Their Costs Employers are adopting disease management programs in a big way to slow the pace of health care premium increases, according to a survey of 3,000 businesses.
Financial Planning May 1, 2010 Rick S. Kahler	Planning for Reform It will be important to pay attention in coming months, so you can plan for the impact health care reform is likely to have on your finances, your career and your clients.
The Motley Fool December 8, 2010 Selena Maranjian	You May Really Need This Expensive Insurance Don't let the need for long-term care for yourself or a loved one derail your retirement.
Bank Director 1st Quarter 2009 Charles Keenan	Sleep Insurance: How the Market is Affecting Your D&O Coverage Banks face a double whammy of sorts, since rockier times will make it almost necessary to raise coverage limits for directors in order to retain or lure them.
Insurance & Technology April 6, 2010 Anthony O'Donnell	Healthcare Reform Will Require Massive Insurance IT Spending Caught off guard by the passage of the Patient Protection and Affordable Care Act of 2010, insurers must modernize IT while increasing operational efficiency.
Financial Planning August 1, 2008 Donald Jay Korn	You Bet Your Life Financial planning clients that no longer want to pay premiums for life insurance traditionally stopping premium payments or surrendered the policy to receive any cash value. Recently, yet another path to liquidity has opened: life settlements.
Inc. April 2005 Jennifer Gill	Cut Your Health Care Costs Now Nine ways to slash your small firm's insurance costs, from health savings accounts to getting tough with your broker to joining purchasing pools.
The Motley Fool April 23, 2009	Why You Need a Renewable Term Life Policy How to attain ongoing life insurance coverage regardless of your health.
Inc. April 2007 Dan Briody	Full Coverage How to hedge your cyber risk with insurance.
Financial Planning July 1, 2010 Jeanne Lee	The Sky Is Not Falling Small business clients have been hard-hit by increased healthcare expenditures over the past 10 years, so it's not surprising that the healthcare reform bill has many of them anxious and confused.
The Motley Fool January 26, 2007 Dan Caplinger	Fall Into the Medigap: Part 3 Medicare supplemental insurance may give you the additional protection you need. By understanding and evaluating your Medigap options, you can manage the financial risk of medical expenses, giving you the confidence that your health needs will be met.
The Motley Fool August 31, 2007 Dan Caplinger	Keep Life Insurance Simple Why make a useful tool more complicated than it needs to be? Life insurance is a helpful tool to have.