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The 100 million American coverage gap is still open
Insurance Planning·8 min read

The 100 million American coverage gap is still open

It is Life Insurance Awareness Month, and the newest LIMRA data shows roughly 100 million Americans still lack adequate coverage. Women, Gen Z, and the middle market carry the heaviest load. Here is what the numbers mean and how to close your gap.

Sep 11, 2026Read Article →
The same LTC coverage can cost you 56% more
Insurance Planning·8 min

The same LTC coverage can cost you 56% more

A 2026 study found identical long-term care coverage priced from $4,591 to $7,173 depending only on the insurer. Same benefits, thousands of dollars apart. Here is how families stop overpaying for the protection they already need.

Sep 4, 2026Read →
Half of America is underinsured. Fix the gap before September.
Insurance Planning·8 min

Half of America is underinsured. Fix the gap before September.

New LIMRA data shows nearly half of Americans are uninsured or underinsured, and most people overestimate the cost of coverage by more than tenfold. Here is what the coverage gap really costs your family and how to close it this month.

Aug 28, 2026Read →
Annuity sales just hit an all-time high. Here's why.
Retirement Planning·9 min

Annuity sales just hit an all-time high. Here's why.

U.S. annuity sales just shattered every record with a $123.9 billion quarter, the best LIMRA has ever tracked. Here is what is driving affluent families toward protected income, and how to decide if the same strategy belongs in your plan.

Aug 21, 2026Read →
The retirement you didn't schedule: when early exits break the plan
Retirement Planning·8 min

The retirement you didn't schedule: when early exits break the plan

Most retirement plans assume you get to choose your last day of work. New Allianz Life data says 42% of Americans retire earlier than planned, often because of health or a lost job. Here is how to build a plan that survives an exit you never scheduled.

Aug 14, 2026Read →
The $10,965 nursing-home room your plan forgot
Insurance Planning·8 min

The $10,965 nursing-home room your plan forgot

A private nursing-home room now runs nearly $11,000 a month, and Genworth just re-entered the long-term care market for the first time in over a decade. Here is what the 2026 numbers mean for your retirement savings and how families fund the gap.

Aug 7, 2026Read →
The $124 Trillion Wealth Transfer Has a Paperwork Problem
Legacy Planning·8 min

The $124 Trillion Wealth Transfer Has a Paperwork Problem

A record $124 trillion is about to change hands through 2048, yet fewer than one in three adults has a will. The families who plan now will pass wealth cleanly. The rest will meet in probate court. Here is how to be on the right side of that line.

Jul 31, 2026Read →
The 2027 Social Security COLA looks bigger. It still won't be enough.
Retirement Planning·8 min

The 2027 Social Security COLA looks bigger. It still won't be enough.

Early estimates put the 2027 Social Security COLA near 3.7% to 3.8%, a full point above 2026. But rising Medicare premiums and the price of essentials keep eating the raise. Here is what affluent families should actually plan around.

Jul 24, 2026Read →
The $130,000 care bill Medicare quietly leaves on your table
Asset Protection·8 min

The $130,000 care bill Medicare quietly leaves on your table

Nursing home care now runs past $130,000 a year, and Medicare will not cover the long stay. Here is how families are shielding their savings before a health event forces a fire sale of everything they built.

Jul 17, 2026Read →
Fixed Index Annuities vs. CDs: Growth, Tax Treatment, and Lifetime Income Compared
Retirement Planning·15 min

Fixed Index Annuities vs. CDs: Growth, Tax Treatment, and Lifetime Income Compared

CDs looked attractive when rates hit 5% in 2023. Now they are declining, and retirees who parked savings in them are facing reinvestment risk with no income guarantee. A Fixed Index Annuity offers index-linked growth with a zero-loss floor, tax-deferred compounding, and the one thing a CD will never provide: income you cannot outlive.

Jul 15, 2026Read →
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