Many people struggle to understand annuities and wonder if they really need one or not. To help shed light on this situation, let’s look at one example. “Tom,” a 60-year-old widower, purchased an annuity 20 years ago....

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Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having...

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The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your...

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Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade...

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According to the U.S. Administration on Aging, 70 percent of people over the age of 65 will require long-term care. Paying for long-term care can financially impact families, of which 65 million Americans have relied on...

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Our years are never guaranteed to us, and for that reason, it’s crucial to be prepared in the event of the death of a loved one. Buying life insurance is one of the most important ways of preparing for such an event to...

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By Cincinnati Life You had a plan and you did the right thing: You purchased a life insurance policy to protect your family. But things have changed since you took out that universal life insurance policy, and it may be...

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By Cincinnati LifeImagine paying insurance premiums for 20 years without a claim, and then getting back all of those premium dollars. If that sounds too good to be true, take a look at return-of-premium (ROP) term life...

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By Cincinnati Life With so many options available for life insurance, some people struggle with their decisions and opt to ... do nothing. But what if one policy made their choice easy? Guaranteed whole life insurance...

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By Life Happens Think of your life as a series of stages: youth, adulthood, parenthood, maturity. Each stage has its own loves, its own rewards – and its own reasons to purchase life insurance. As you reach different...

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By Cincinnati LifeOnce you have decided to purchase life insurance, the next question to answer is how much to purchase. Some people select coverage based on an arbitrary amount: $100,000 or $200,000. Others purchase...

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By Cincinnati LifeMost business owners know they need one; however, I still meet with business owners weekly who do not have a formal business continuation plan in place. Owners can be most prepared for the futures of...

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