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Too Cash Strapped for Longevity, Many Consumers also Lack Life Insurance

With age comes wisdom supposedly, but even as more Americans are living longer they are not financially prepared for their retirement years and also lack life insurance.

According to the Centers for Disease Control , the average American’s life expectancy has increased to 75.7 years for men and 80.6 years for women. Of those age 65 and coupled, there is a better-than-even chance one partner will live to age 94, and one-of-10 couples will have a partner that lives to 100 or more.

Unfortunately, a new study finds that while Americans are living longer, almost half are concerned that they are not financially prepared to live into their 70s, 80s and 90s.

Can’t afford to live…

The “Longevity & Preparedness Study,” conducted by Northwestern Mutual, asked people how financially prepared they feel to live to age 75, 85 and 95 and revealed that only slightly more than half feel financially prepared to live to the age of 75. Fewer tha Full story…

Why To Consider Travel Insurance

You have to know that people who travel a lot are vulnerable to some of the negative instances and events that may occur during their stay abroad. And thus the main purpose of travel insurance is to protect single event or regular traveler from the potential expenses that could result from these unpredictable situations.

In fact, travel insurance predicts several items. And one of the most important items that are protected by travel insurance is healthcare. People who are sick or injured on the road traditionally deal with much more expensive healthcare costs because the majority of insurance plans do not cover costs that come up away from home, especially in the case of international travel.

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What To Know About Cheap Travel Insurance

If you travel a lot, then you certainly have to consider getting the annual travel insurance. You have to know that this travel insurance plan offers you complete piece of mind when you are traveling. However, just because it has some great benefits, it does not have to be expensive. In fact, today cheap annual travel insurance is available for frequent travelers who want to go across the world without any worries.

Keep in mind that the annual travel insurance policy is able to cover such areas as medical expenses, delay in flight, loss and damage of personal baggage, emergency evacuation, trip interruption and some others.

In fact, these covers could be claimed when you are traveling.

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Harbour Insurance completes acquisition of Fidelity Insurance

US-based personal and commercial insurance firm, Harbour Insurance has completed the acquisition of Fidelity Insurance Associates as part of its plan to further expand its market.

The two companies will continue operations in their current location of Naples, Florida, and service surrounding areas including Bonita Springs, Marco Island, Fort Myers as well as other outlying areas.Harbour Insurance owner Will Kastroll said the acquisition of Fidelity, which also has an existing line of commercial products for businesses of all sizes, will help expand the breadth and depth of the company’s insurance carrier relationships.Fidelity president Scott Leamon will become the new vice president of Harbour Insurance under the terms of acquisition.Kastroll said: “Scott has a long-term dedication to the Naples area as an agency owner, and will continue to stay on board with us as we continue to grow the agency.”Kastroll is also planning to acquire at least two additional agencies in 2012.

Guaranteed Issue Life Insurance: Who Should Buy It?

Guaranteed Issue life insurance seems like an excellent choice at first glance.

The commercials and advertisements can be very alluring because the insured is not asked to complete any health questions and there are no medical tests. However, this convenience comes at a big cost. Most guaranteed issue life insurance plans have a two-year waiting period or longer on non-accidental death. Moreover, the issue limits are very low on these policies and the premiums are quite high.

The best fit for these type policies are individuals who have very serious health issues and are unable to qualify for Simplified Issue or traditional life insurance policies.

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