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Has Your Life Insurance Coverage Kept Up? |
The one constant in life is change. Chances are your situations in life have changed over the year-and your life insurance policies need to keep up.
The harsh reality is that while more than 80% of Americans think they have enough life insurance coverage, in truth, just 49% actually have the insurance protection to meet their financial goals.
Have you recently:
- Bought a home?
- Had a Baby?
- Received a Promotion?
Or are you:
- Nearing Retirement?
- Changing Jobs?
- Preparing for your children's or grandchildren's college expenses?
There are any number of other changes in your life that need the protection of life insurance. If you would like us to review your existing life insurance for free, or you need new coverage, we are a phone call or email away. You may be surprised at the relatively low cost of protecting your family's future! |
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More Activity On The TPA Benefits Blog |
As most of you know, we have a blog. The blog has been used primarily as a parking place for longer articles that we referenced in this newsletter. If you ever perused it, mainly what you saw were articles that had been mentioned in these newsletters.
That is starting to change. As the discussion of health care reform heats up, we are starting to post more articles that relate to this debate. We do it for two main reasons;
1. I feel this information needs to be considered in the debate/discussion of health care reform
2. It is therapeutic - It keeps me from throwing things at the TV or computer monitor.
My views come about as a result of several factors;- 18 years in the health insurance business
- working closely with physician practices
- being a self-employed small business owner
- being a father of three children who are going to have to figure out how to pay the debt we are putting on them
This will allow me to (for the most part) keep the politics of the health care reform debate out of this newsletter, while still allowing me an outlet for views and ideas that I think need to be in the debate. I am passionate about the topic, but realize you do not necessarily want to read about it every time we send out a newsletter.
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Long-Term Care Survey On Cost Of Care
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John Hancock regularly publishes a survey on the costs for long-term care (LTC) services. In addition to some national averages, it also gives sample LTC cost in a number of major metropolitan areas - including 5 in Virginia.
They look at the cost of;
- Nursing Home (private and Semi-Private)
- Home Health Care
- Assisted Living facility
- Adult Day Care
As they say in the survey, "Understanding the latest costs for long-term care services is of the utmost importance... It provides a solid basis for making well-informed decisions.
You can download a PDF copy of the survey, or view an interactive map.
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How Does Your State Compare?
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 The
Tax Foundation has released its 2009 version
of Facts and Figures: How Does Your State Compare?, a pocket-size booklet comparing the 50
states on 38 different measures of taxing and spending, including
individual and corporate income tax rates, business tax climates,
excise taxes, tax burdens and state spending.
For instance, did you know that Virginia ranks;
- 12th in Total Income Per Capita
- 12th in Tax Freedom Day (April 12th)
- 35th in State Spending Per Capita
Just in case you wanted to know... |
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A Trip Down Memory Lane...
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 Remember your first cell phone? Remember the first cell phone you ever saw?
Remember when they were just for 'business people'?
Remember the first time you saw a teenager (or younger) with one of their own?
Well, here is a pictorial evolution of cell phones from 1983 to 2009.
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"The problem with socialism is
that eventually you run out of other people's money."
Margaret Thatcher
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