Life & Health Insurance Advisor – Fall 2026
How to Use Preventive Care to Cut Your Health Costs All Year
Most families think about their health insurance only when they need care — a child comes down with a fever, someone twists an ankle, or a doctor orders a test they weren’t expecting. But one of the most effective ways to control your healthcare spending is to use the preventive care benefits built into your plan. Read on for details.
The Hidden Value of Disability Insurance: Why Every Worker Needs It
Most people protect their homes, cars, and health — but overlook the one thing that makes everything else possible: their income. Disability insurance is designed to protect your paycheck if an illness or injury keeps you from working. Yet millions of workers don’t have it, and many don’t realize how important it is until they need it. Read on for details.
How to Protect Your Family from Surprise Medical Bills
Even with today’s consumer protection laws, surprise medical bills still happen. A visit to an out of network specialist, a lab test you didn’t know wasn’t covered, or an emergency room trip that involves multiple providers can leave families facing unexpected charges. Read on for details.
Critical Illness Insurance: Why More Families Are Buying It
A serious illness can change a family’s life overnight — not just emotionally, but financially. Even with good health insurance, the costs of cancer, heart disease, or stroke can add up quickly. That’s why more families are turning to critical illness insurance, a simple policy that pays a lump sum if you’re diagnosed with a covered condition.
Read on for details.
Life & Health Insurance Advisor – Summer 2026
Health Insurance in 2026: Rising Premiums, Bigger Deductibles, and How to Stay Protected
If you buy your own health insurance—through the ACA Marketplace or directly from an insurer—you’ve likely noticed that 2026 is shaping up to be another year of rising costs. Premiums in the individual market continue to climb, and many plans are shifting more of the upfront expense to consumers through higher deductibles and cost sharing.Read on for details.
Life Insurance Rates Are Still Attractive—But They’re Changing
Life insurance continues to offer strong value, especially for individuals who buy coverage earlier in life. But behind the scenes, insurers are adjusting rates in response to updated mortality tables, new age band structures, and expanded use of health data.Read on for details.
Long Term Care in 2026: What Today’s Families Need to Know About Their Options
If you’ve been thinking about how to prepare for future care needs—whether for yourself, a spouse, or an aging parent—2026 is an important year to take a fresh look at long term care (LTC) planning. Traditional standalone LTC insurance has become harder to find, but new hybrid life/LTC products are expanding quickly, offering families more flexibility and more ways to protect their savings. Read on for details.
Long Term Care Planning Shifts as Hybrid Policies Surge
If you’ve been thinking about how to prepare for future care needs—whether for yourself, a spouse, or an aging parent—2026 is an important year to take a fresh look at long term care (LTC) planning. Traditional standalone LTC insurance has become harder to find, but new hybrid life/LTC products are expanding quickly, offering families more flexibility and more ways to protect their savings.
Read on for details.
Life & Health Insurance Advisor – Spring 2026
Medicare in 2026: Big Changes Ahead for Coverage, Costs, and Your Options
If you’re enrolled in Medicare—or helping a parent or spouse manage their coverage—2026 is shaping up to be a year of significant change. From shifting Medicare Advantage benefits to rising Medigap premiums, many of the updates taking effect this year could influence how much you pay, which doctors you can see, and how well your plan fits your needs. Read on for details.
A Smarter Way to Plan for Care: The Rise of Hybrid Life + Long Term Care Policies
If our story “Aging Alone” last time struck a chord, you’re not alone. More Americans are realizing that long term care planning isn’t just about protecting assets—it’s about protecting independence, dignity, and peace of mind. But traditional long term care (LTC) insurance has its challenges: rising premiums, strict underwriting, and the fear of paying for coverage you may never use.Read on for details.
The Rising Cost of Care: Why Supplemental Health Insurance Is Becoming Essential
If you’ve noticed your health insurance deductible creeping higher each year, you’re not imagining it. Across the country, individuals and families are facing rising out of pocket costs—even when they have solid health coverage. That’s why more consumers are turning to supplemental health insurance as a practical way to protect their finances from unexpected medical bills. Read on for details.
How to Save on Prescription Drugs in 2026
Prescription drug costs continue to rise, and many families are feeling the strain. The good news? There are several practical ways to save money—whether you have insurance, Medicare, or a high deductible plan. Here’s a quick guide to the most effective strategies. Read on for details.
Life & Health Insurance Advisor – Winter 2025
Medicare Drug Coverage Is Changing—Here’s What You Need to Know This Enrollment Season
If you or a loved one relies on prescription medications, the 2026 Medicare Open Enrollment period (Oct. 15–Dec. 7, 2025) brings major updates that could impact your coverage, costs, and choices. From new caps to evolving formularies, here’s how to stay ahead of the curve. Read on for details.
Aging Alone: Why Long-Term Care Planning Matters More Than Ever
More than 16 million Americans over age 55 are aging alone—without a spouse, partner, or adult children to help navigate health challenges, daily tasks, or financial decisions. This “solo retirement” trend is accelerating, and with it comes a critical question: Who will help if you need care? Read on for details.
Never Outlive Your Savings: How Longevity Annuities Can Help
Americans are living longer than ever. According to the Centers for Disease Control and Prevention, the average 65-year-old today can expect to live at least another 20 years—six years longer than in 1950. While that’s great news for your golden years, it also raises a critical question: Will your retirement savings last as long as you do? Read on for details.
Traveling Abroad with Medicare: What You Need to Know
If you’re a Medicare recipient planning an international trip, it’s important to understand how your coverage works outside the United States. While Medicare offers excellent protection at home, its international benefits are extremely limited—and that can leave travelers vulnerable to unexpected medical costs. Read on for details.