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The Business Owner Buy/Sell Insurance

Introduction: There are many people who own a business. There are very few people who have a business succession plan. If the owner doesn’t wake up one morning, they leave their family, their employees, their vendors, and their creditors, all the people that rely on their business, high and dry. That’s because the business may… Continue reading The Business Owner Buy/Sell Insurance

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The Hybrid Life and Long-Term Care Policy

Introduction: The US Department of Health and Human Services states that approximately 70% of people turning age 65 can expect to use some form of long-term careduring their lives. This is due to becoming disabled in at least two activities of daily living or being cognitively impaired. Yet according to the American Association for Long-Term Care… Continue reading The Hybrid Life and Long-Term Care Policy

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A Labor Day Full Of Labor

Labor Day weekend in the Werner house is usually centered on the same couple of activities: relaxing with our families, last minute beach getaways and sometimes drag racing. Plus, my wife, Amy’s birthday usually falls somewhere close to Labor Day weekend, so some cake/ice cream usually gets consumed in celebration, in addition to hot dogs… Continue reading A Labor Day Full Of Labor