Insurance-based retirement plans

Insurance-based retirement plans

Insurance-based retirement plans (IBRP) may be able to protect your family’s future through a death benefit while you save for retirement with the same product.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so do your life insurance needs. Care should be taken to ensure your strategies and products are suitable for your long-term life insurance needs. Weigh your objectives, time horizon and risk tolerance as well as any associated costs before investing.

Also, be aware that market volatility can lead to the possibility of the need for additional premium in your policy.

Life insurance fees and charges associated with plans include costs of insurance that vary with such characteristics of the insured as sex, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

Potential problems may exist with life insurance policies

Potential problems may exist with life insurance policies purchased from ANY life insurance company during the 1980s, 1990s and pre 2008.

Many of those life policies have sustainability that is linked to interest rates and performance of the stock market. Interest rates have steadily declined and are at historic lows; also the stock markets over the last decade have under performed.

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Signs of Learning Disabilities in Children

Signs of Learning Disabilities in ChildrenThere are two realities every parent is certain of the minute their child is born. Number 1- That child is beautiful. Number 2 – That child is brilliant. Every little milestone is a prophesy to future greatness. That baby who first discovered his own finger is certain to one day find the cure for cancer, AIDS, and heart disease.
While kids can learn those early basics at different paces, when a delay is too great there’s a chance the child could actually have a learning disability. There are four main culprits that can affect a child, and make things especially difficult if you and your child don’t figure out what’s wrong.
Dyslexia— A lot of people try and picture dyslexia and think its like you’re look at the world through a mirror. Everything’s backward. But that’s not quite it. A child with dyslexia has trouble making connections with words or numbers. A kid with a delay in speaking, poor spelling, forgetfulness, can’t tell left from right, or can’t remember things from their reading could be dyslexic.
Dysgraphia– These kids don’t want to pick up a pencil, whether its for writing or drawing. They may have trouble grasping the rules of grammar or may abandon their thought process in the middle of a sentence.
Dyscalculia– Perhaps this learning disability is a shortened version of dyscalculiaphobia – the fear of word problems.Yeah, you’re thinking, “Show me the kid that loves word problems and always solves them perfectly the first time – that’s the kid that’s odd.” Heck, those problems are tough for the teacher. But for this kid, fractions can also be a beast, making the right change is hard, and their math worksheets can be nightmare for their teachers to correct. That is, if they are still turning them in.
Dyspraxia– From the eyes of a casual onlooker, a child with this learning disability may appear to be a clumsy space cadet. They can’t get organized. They keep breaking things. They easily feel itchy, and repetitive noises like a faucet dripping can drive them batty.
When kids have any of these conditions, there’s one more “dis” that parents really need to watch for — when the kid starts “dissing” himself. When the kid doesn’t understand that he’s not supposed to be able to figure out how to be like other kids and keep up by himself, he starts to give himself other labels like klutz, stupid, space cadet, lazy. He may make up excuses why he doesn’t want to go to school, and eventually he may quit all together. No parent wants that.
Learning disabilities can’t be cured, and they usually aren’t diagnosed until it’s time for school. But the sooner those challenges are discovered, the sooner the child can get the help they need in learning to live with it. The sooner you find No-Surprise insurance to help you approach the proper means to help your child grow and learn.

Sending Kids to School with Food Allergies

Sending Kids to School with Food Allergies

When children have food allergies, parents do everything in their power to protect them from coming into contact with harmful food items. However, when kids are at school, teachers and administrators may not be as diligent when it comes to keeping dangerous foods away. Here are some things parents of children with food allergies can do to help protect them while they are at school.
Have good insurance. It is especially important to have good health insurance when kids are allergic to certain foods. The reality is that you can’t control the school’s environment, nor can you control what other people do. For instance, a child with a peanut allergy may be inadvertently exposed to peanut butter residue via another child’s lunch, or a table that hasn’t been properly sanitized. A trusted insurance agent can help you figure out the best type of coverage to meet your family’s needs.
Educate your child. Engaging your child in allergy management can empower her to protect herself. In addition, proper education will give your child the tools she needs to get help from her teachers and other school staff should she ever suffer an allergy attack.
Follow your gut. Most teachers and administrators are aware of the dangers of food allergies, so they have protocols in place to identify and protect children who suffer with them. However, if you are not completely comfortable with the safeguards the school has in place, speak out. Your child’s health is at stake.
The school environment is less controlled than a home environment; therefore, there is always the possibility of kids with allergies coming into contact with something they shouldn’t. By speaking up about inadequate policies and teaching children how to manage their allergies, parents can help protect them from allergy attacks. In addition, having No-Surprise insurance coverage you can trust will ensure your child gets the care they need should the unthinkable occur.


Concussions in Football: Heads Up!

Concussions in Football Heads UpWhile parents often joke about the hard-headedness of their children, it is an unfortunate fact that even the most stubborn kids are still vulnerable to concussions. With football season in full swing, it is particularly important for parents to keep a watchful eye out for the signs and symptoms of concussions. The proper, immediate response can not only prevent an aggravated injury, but can also save a life.

A concussion is a traumatic brain injury that occurs as a result of a bump to the head, or by rapid head/brain motion following a body blow. This abrupt movement can alter the brain, causing it to become even more vulnerable to injury. Concussions happen frequently in football and–unlike other sports injuries which can be felt or seen–are often overlooked. While there is no one indicator that a concussion has occurred, the condition can be assessed through several signs.

Athletes who experience one of more of these symptoms after a jolt to the body or head should be seen immediately by a medical professional:

  • headache or a feeling of pressure in the head
  • vomiting or nausea
  • dizziness or balance issues
  • blurred vision
  • sensitivity to noise and/or light
  • difficulty concentrating
  • confusion and/or grogginess

Parents should also keep an eye out for clumsy movements, changes in personality or behavior, or a dazed appearance. While symptoms typically arise immediately, they can also come on gradually. And unlike the popular misconception, most concussions aren’t accompanied by loss of consciousness. If your child is diagnosed with a concussion, it is critical that the brain is allowed adequate time to heal.

While we’d like to surround our kids in a protective layer of bubble wrap before sending them out into the world–or onto the playing field–it’s not possible. (Well it is, but we don’t advise it.) Instead, implement proper safety measures–such as encouraging “Heads Up” blocking and tackling techniques, as well ensuring that equipment is properly fitted–and enlist the services of your trusted insurance agent to help you practice “Heads Up” parenting by choosing the right No-Surprise Insurance.