Larry W.Farmbry

• 11 min read

Life insurance helps you ensure your loved ones are financially protected if you pass away. You have a few options when picking the right kind of policy — and depending on your circumstances, whole life insurance may be a good choice.Whole life...

Does Home Insurance Cover Spoiled Food After A Power Outage?

• 11 min read

Power outages can be merely inconvenient or utterly devastating. A prolonged outage can leave you with a refrigerator and freezer full of spoiled food. If you’re hoping your home insurance will help cover the cost of perishable items like meat, veggi...

How Specially Designed Life Insurance Can Provide Flexibility for High-Income Earners

• 11 min read

It's a common scenario for successful, high-earning professionals: Decades of disciplined saving and investing have led to substantial nest eggs in retirement plans. But now, you find yourself in a financial bind. Despite your wealth, your money is l...

Term Life Insurance Is Often Best, Financial Advisors Say But Many People Buy Another Kind

• 11 min read

There are two broad categories of life insurance, and data suggests many households aren’t buying the most cost-effective one.Americans bought 4.1 million term insurance policies in 2021, accounting for 40% of all individual policies purchased t...

Life Insurance: Protection For Loved Ones You Leave Behind

• 11 min read

The two biggest items that people don't want to deal with when it comes to money management are insurance and making a will.Some of the real comments on buying life insurance, made to me during professional finance practice years, are illuminating.“W...

Turning 65 In October? Your Medicare Enrollment Options.

• 11 min read

Hello Toni,I have collected your articles on Medicare for years from the local newspaper. I turn 65 on Oct. 20 and am preparing to retire in February. I have a question about my enrollment timing.I plan to work through January 2024 to help with the t...

The Pros And Cons Of Medicare Advantage Plans

• 11 min read

There’s no right answer for everyone. But Medicare Advantage plans—the type you’ve seen in TV ads with celebrities—do have pros and cons you’ll want to consider before deciding whether to enroll.One of the biggest differences between Part C plans and...

Sweeping Changes To Medicare Advantage

• 11 min read

The Medicare ecosystem is facing a series of simultaneous challenges, disruptions, and opportunities that add up to one certainty: this market will look meaningfully different in the years ahead. Medicare Advantage (MA) is projected to be the li...

Types of Clients Who Should Consider Annuities

• 11 min read

What You Need to KnowAnnuities have an obvious role in retirement planning.They can also help with diversification.In some cases, they can be part of estate planning.Too many advisors still avoid having the talk with their clients about the “‘A’ word...

The Safety Of Annuity Products

• 11 min read

When it comes to planning for a secure financial future, annuity products can play a significant role.Let’s explore the safety aspects of annuities in a simple and friendly manner. Understanding the safety features of annuities can help you make info...

Larry W.Farmbry

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