Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.
A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.
Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.
The purpose of investing is to improve our future circumstances or future lifestyle.
Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.
A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.
The objective of investing is to receive a future flow of funds larger than the funds originally invested.
Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.
Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium).
Depending on your policy, your premium may be payable either in an annual lump sum or in monthly installments. Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. If your employer does not offer a health insurance plan, you need to purchase health insurance on your own.
Health insurance is a necessity in today's world. The costs of medical care and treatment continue to increase. Medical costs, if you suffer a major injury or were stricken with a life-threatening illness, can be staggering. Uninsured people live with such risk every day of their lives; health insurance can shield you from that risk. Even if you're healthy today and have never had any major problems in the past, you simply can't predict the future.
Medical bills can affect your financial circumstances and plans negatively they can quickly cause a financial calamity. According to the latest research of Harvard University, nearly fifty per cent of all bankruptcies in the U.S were partly caused by medical debt.
Having health insurance ensures better health care. Research has shown that people with health insurance are more likely to have a regular doctor and have care when they need it. Health insurance helps to maintain healthy people.
The American College of Physicians states that uninsured people who are likely to have deadly or serious diseases like pancreatic or breast cancer can be diagnosed by regular inspections. Thus, uninsured persons have lower chances to get disease-prevention service than insured ones and their risk of death raises by 50 percent.
Good health insurance can literally save your life.
The key elements of a health insurance plan are:
Lashley Financial can help you to determine the best health insurance coverage for you and your family - from the right company and at the right price.
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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