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Cartoon of the Week -- Thursday, January 05, 2017

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The Pros and Cons of Medigap Plan G -- Thursday, January 05, 2017

Medigap Plan G is one of the standardized supplement insurance plans offered by Medicare. It offers many of the same benefits coverage as Plans C and F, yet at a lower price, making it one of the more popular insurance plans offered. Medicare Supplement Insurance Plan G, or Medigap Plan G is one of the ten supplementary insurance plans offered by Medicare. Along with Plans C and F, Medigap Plan G is known one of the most popular and comprehensive Medigap plans options. Plan G covers every benefit Plan F covers, including: ? Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. This means that should your regular insurance plan’s benefits end, having Plan G will allow you to be covered under Part A hospital and coinsurance costs for a full year. ? Medical Expenses: pays Part B coinsurance — which are typically about 20% of Medicare-approved expenses — or copayments for hospital outpatient services ? Blood: pays for the first three pints of blood used in an approved procedure each year ? Hospice Care: pays Part A coinsurance In addition to providing coverage for these basic benefits, Plan G also provides coverage for the following benefits: ? Skilled nursing facility care ? Medicare Part A deductible for hospitalization ? Medicare Part B excess charges (this is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare's limiting amount). The only other Medigap plan which offers this benefit is Plan G. ? Travel-abroad medical emergency help in the event where the beneficiary may require emergency medical care or assistance when travelling abroad. You must pay the first $250 of your emergency benefits while out of the country; after that, 80 percent of costs are paid up to your lifetime benefit maximum of $50,000. The only difference between Plan G and Plan F is that Plan F also includes coverage for the Medicare Part B deductible while Plan G doesn’t. This means Plan G is almost always going to be more affordable than Plan F, if you’re willing to pay that annual deductible as opposed to letting Plan F take care of that for you. The amount you save monthly will surpass the annual Part B premium in nearly every, If not every, case so for most people Plan G may be a better option. Plan C, the other popular alternative covers almost all of the same benefits that Plan G does, including foreign travel insurance, as well as coverage for Medicare Part A deductibles. The only difference is that, Plan C doesn’t cover the Medicare Part B excess charges, while Plan G doesn’t cover the Medicare Part B deductible. Perhaps Plan G’s greatest pro is that Congress voted to end the sale of Plans C and F as of December 31, 2019. Plans purchased before this period will be grandfathered in, but if you’re worried about the changes Congress is going to make to Medicare, you may feel more secure paying your Part B deductible with Plan G and not worrying about future changes. Plans C and F are better for you if you are or will be eligible for Medicare before January 1, 2020, and you’re willing to pay a slightly higher premium in return for not having to worry about the Part B deductible. However, with more comprehensive coverage comes a much higher price tag. Once Plans C and F are phased out, Plan G will be most expensive Medigap plan. Some plans, like Plans K and L, will offer comparable coverage to Plan G but only up to a certain percentage. They will also have much lower monthly premiums. Plan N requires a $20 co-pay for standard doctor’s visits and a $50 co-pay for emergency room visits that don’t result in inbound admittance. These plans are less popular than Plan G, but are more popular with seniors who are in good health but think they may need some increased coverage in the near future. Plans A and B offer far fewer benefits each than Plan G, but as a result have a significantly lower premium you must pay. Seniors who either would like to pay the lowest price for Medigap or who don’t believe they will urgently need Medigap benefits in the near future may prefer these policies to Plan G. Plans M and N offer almost all of the same coverages that Plan G does, including the fact that they also do not offer coverages for Part B deductibles, but unlike Plan G, they don’t offer coverages for Part B excess charges, and Plan M only offers up to 50% pf Part A deductible coverage. Medicare Supplement Insurance Plan G is highly recommended for people who wish to be almost completely covered for hospitalization and other medical procedures, but are willing to pay the Part B deductible out of their pocket and higher monthly premiums on average than most other Medigap plans. Visit optavise.com and view information on other Medigap plans and the Medigap pricing schedule to find a plan that suits your needs.


Simple Quotes -- Tuesday, November 29, 2016

Final Expense Life Insurance


Chat iFrame -- Saturday, November 26, 2016


Guided Demonstration Link -- Tuesday, October 04, 2016


View My Demo -- Tuesday, October 04, 2016


Click Here to Enter Your Demo -- Tuesday, October 04, 2016


What does the letter on your Medicare card mean? We got the answers! -- Wednesday, August 31, 2016

Medicare Number Code Breakdown: A – Primary Claimant (wage earner) B – Spouse (spouse of retired worker) B1 – Aged Husband, age 62 or over B2 – Young Wife, with a child in her care B3 – Aged Wife, age 62 or over, second claimant B5 – Young Wife, with a child in her care, second claimant B6 – Divorced Wife, age 62 or over BY – Young Husband, with a child in his care C1-C9 – Child (includes minor, student, or disabled child) D – Aged Widow age 60 or over D1 – Aged Widower, age 60 or over D2 – Aged Widow (2nd claimant) D3 – Aged Widower (2nd claimant) D6 – Surviving Divorced Wife, age 60 or over E – Widowed Mother E1 – Surviving Divorced Mother E4 – Widowed Father E5 – Surviving Divorced Father F1 – Parent (father) F2 – Parent (mother) F3 – Stepfather F4 – Stepmother F5 – Adopting Father F6 – Adopting Mother HA – Disabled Claimant more details.. (wage earner) HB – Aged Wife of Disabled Claimant, age 62 or over HC – Child of Disabled Claimant M – Uninsured – Premium Health Insurance Benefits (Part A) M1 – Uninsured – Qualified For (but refused health insurance benefits – Part A) T – Enrolled in Medicare but temporarily delayed Social Security Retirement Benefits or Uninsured – Entitled to Health Insurance Benefits (Part A) under deemed or renal provisions TA – Medicare Qualified Government Employment (MQGE) TB MQGE – Aged Spouse W – Disabled Widow W1 – Disabled Widower W6 – Disabled Surviving Divorced Wife WA – Railroad Retirement


LifeShield Guide -- Friday, July 15, 2016


Product Guide -- Friday, July 15, 2016


plug in -- Wednesday, March 23, 2016


Medicare Coverage Type Adviser -- Saturday, March 19, 2016


Medigap Plan Letter Recommendation Genie -- Saturday, March 19, 2016


Leave Us a Message -- Monday, February 29, 2016


Home Equity Debt Consolidation -- Friday, February 19, 2016


Long Term Care Insurance -- Friday, February 19, 2016


Estimate Your Credit Score -- Friday, February 19, 2016


Animation: Re-sizing U.S. Counties Based on Local Economies -- Monday, February 15, 2016

Courtesy of: Visual Capitalist


Tech Companies -- Wednesday, February 03, 2016


Click above to view the full version [h/t PennyStocks.la].


7 Things Seniors (and Everyone Else) Should Know About FDIC Insurance -- Wednesday, February 03, 2016

How much does the FDIC insure your savings for? Older Americans put their money… and their trust… in FDIC-insured bank accounts because they want peace of mind about the savings they've worked so hard over the years to accumulate. Here are a few things senior citizens should know and remember about FDIC insurance. 1. The basic insurance limit is $100,000 per depositor per insured bank. If you or your family has $100,000 or less in all of your deposit accounts at the same insured bank, you don't need to worry about your insurance coverage. Your funds are fully insured. Your deposits in separately chartered banks are separately insured, even if the banks are affiliated, such as belonging to the same parent company. 2. You may qualify for more than $100,000 in coverage at one insured bank if you own deposit accounts in different ownership categories. There are several different ownership categories, but the most common for consumers are single ownership accounts (for one owner), joint ownership accounts (for two or more people), self-directed retirement accounts (Individual Retirement Accounts and Keogh accounts for which you choose how and where the money is deposited) and revocable trusts (a deposit account saying the funds will pass to one or more named beneficiaries when the owner dies). Deposits in different ownership categories are separately insured. That means one person could have far more than $100,000 of FDIC insurance coverage at the same bank if the funds are in separate ownership categories. 3. A death or divorce in the family can reduce the FDIC insurance coverage. Let's say two people own an account and one dies. The FDIC's rules allow a six-month grace period after a depositor's death to give survivors or estate executors a chance to restructure accounts. But if you fail to act within six months, you run the risk of the accounts going over the $100,000 limit. Example: A husband and wife have a joint account with a "right of survivorship," a common provision in joint accounts specifying that if one person dies the other will own all the money. The account totals $150,000, which is fully insured because there are two owners (giving them up to $200,000 of coverage). But if one of the two co-owners dies and the surviving spouse doesn't change the account within six months, the $150,000 deposit automatically would be insured to only $100,000 as the surviving spouse's single-ownership account, along with any other accounts in that category at the bank. The result: $50,000 or more would be over the insurance limit and at risk of loss if the bank failed. Also be aware that the death or divorce of a beneficiary on certain trust accounts can reduce the insurance coverage immediately. There is no six-month grace period in those situations. 4. No depositor has lost a single cent of FDIC-insured funds as a result of a failure. FDIC insurance only comes into play when an FDIC-insured banking institution fails. And fortunately, bank failures are rare nowadays. That's largely because all FDIC-insured banking institutions must meet high standards for financial strength and stability. But if your bank were to fail, FDIC insurance would cover your deposit accounts, dollar for dollar, including principal and accrued interest, up to the insurance limit. If your bank fails and you have deposits above the $100,000 federal insurance limit, you may be able to recover some or, in rare cases, all of your uninsured funds. However, the overwhelming majority of depositors at failed institutions are within the $100,000 insurance limit. 5. The FDIC's deposit insurance guarantee is rock solid. As of mid-year 2005, the FDIC had $48 billion in reserves to protect depositors. Some people say they've been told (usually by marketers of investments that compete with bank deposits) that the FDIC doesn't have the resources to cover depositors' insured funds if an unprecedented number of banks were to fail. That's false information. 6. The FDIC pays depositors promptly after the failure of an insured bank. Most insurance payments are made within a few days, usually by the next business day after the bank is closed. Don't believe the misinformation being spread by some investment sellers who claim that the FDIC takes years to pay insured depositors. 7. You are responsible for knowing your deposit insurance coverage. Know the rules, protect your money.


What Is Long-Term Care Insurance? -- Monday, February 01, 2016

Summary: As people begin to live longer, long-term care insurance becomes more important. Long-term care insurance helps provide for the cost of long-term care which can be incredibly expensive. It is used to cover those issues that are generally not covered by health insurance, Medicare, or Medicaid. There is often some confusion about what this type of insurance is used for and the people who use it. Consumers should understand that individuals who require long-term care are gene... Body: As people begin to live longer, long-term care insurance becomes more important. Long-term care insurance helps provide for the cost of long-term care which can be incredibly expensive. It is used to cover those issues that are generally not covered by health insurance, Medicare, or Medicaid. There is often some confusion about what this type of insurance is used for and the people who use it. Consumers should understand that individuals who require long-term care are generally not sick in the way we usually think of that word. Many of these individuals are healthy but they cannot perform the basic activities of daily living such as preparing food, eating, dressing themselves, bathing, and the like. They may need assistance with their medications, as some will often forget to take them. Another issue that may confuse some people is that long-term care does not have to be long term. An individual may need care for only a few months to recover from surgery or illness, or they may need care for years. It is generally assumed that as a person becomes older there will be some need for long-term care. In America, Medicare will not cover the expenses of long-term care, but Medicaid will for those who can not afford to pay. Another issue that is confusing is that long-term care is not restricted to the elderly. Age is not always a factor with long-term care. Younger people who are not able to care for themselves have these needs as well. When thinking of buying long-term care insurance it is important to remember that in the United States, Medicaid generally does not cover long-term care provided in a home setting, and, in most cases, Medicaid will not cover or pay for assisted living. Because there is this void in coverage, having long-term care insurance can play a huge part in what the individual can have in terms of care related services. With this protection, long-term care insurance can pay for home care, often from the first day it is needed. It can help pay for a live-in caregiver, companion, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day. Assisted living is paid for by long-term care insurance. The same is true for adult daycare, respite care, hospice care, and more. Very important to some consumers is that long-term care insurance can also assist with the payments for caring for a person with Alzheimer's disease or other forms of dementia. One of the very best reasons for purchasing long-term care insurance is that it helps to protect the savings of the person or persons who will be responsible for paying the bills. Long-term care without insurance can wipe out a lifetime of savings in no time at all. It can also force individuals to liquidate many, if not all, of their assets including homes. Modern technology is allowing us to live longer but we all need to be prepared for the days when we can no longer make it through the day without some help. Long-term care insurance can be a very useful and effective way to solve that problem.


10 key reasons why a person needs life insurance -- Saturday, January 30, 2016

Summary: Insurance is designed to protect a person and the family from disasters and financial burdens. There are many kinds of insurance of which, the basic and most important is considered to be life insurance. It provides for the dependents after your death. Article Body: Insurance is designed to protect a person and the family from disasters and financial burdens. There are many kinds of insurance of which, the basic and most important is considered to be life insurance. It provides for the dependants after your death. Since there are certain financial commitments you need to meet throughout life and do contribute in some way to the family income, you need to provide something even in death—to secure the home, help the family meet expenses for a while, protect dependant parents, or secure the children or spouse. Financial obligations could include funeral expenses, unsettled medical bills, mortgages, business commitments, meeting the college expenses of the children, and so on. How much insurance a person needs would vary, depending on lifestyle, financial needs and sources of income, debts, and the number of dependants? An insurance adviser or agent would recommend that you take insurance that amounts to five to ten times your annual income. It is best to sit down with an expert and go through the reasons why you should consider insurance and what kind of insurance planning would benefit you. As an important part of your financial plan insurance provides peace of mind for any uncertainties in life. 1. Life insurance correctly planned will on premature death provide funds to deal with monies due, mortgages, and living expenses. It offers protection to the family you leave behind and serves as a cash resource. 2. It secures your hard earned estate on death by providing tax free cash which can be utilized to pay estate and death duties and to tide over business and personal expenses. 3. Life insurance can have a savings or pension component that provides for you during retirement. 4. Some policies have riders like coverage of critical illness or term insurance for the children or spouse. There are certain rules regarding eligibility for riders which you will need to determine clearly. 5. Having a valid insurance policy is considered as financial assets which improves your credit rating when you need health insurance or a home loan or business loan. 6. In case of bankruptcy, the cash value as well as death benefits of an insurance policy is exempt from creditors. 7. Life insurance can be planned such that it will cover even your funeral expenses. 8. Term life insurance has double benefits, it protects and you can get your money back during strategic points in your life. 9. Insurance protects your business from financial loss or any liabilities in case a business partner dies. 10. It can contribute towards maintaining a family’s life style when one contributing partner suddenly dies. Insurance is vital to good financial planning and security but you would need to assess your personal risk and long term commitments. Insurance stands a person in good stead throughout life and can be used in case of emergencies during a life time by requesting a withdrawal or loan.


Life Insurance No Medical Exam - The Pros and Cons -- Thursday, January 28, 2016

Summary: Did you know you can get life insurance without any medical exam online? Actually, several insurers offer no exam life insurance. However, there are several things to consider before you buy your life insurance without any medical exam online. Body: Are you in search of life insurance with no medical exam required? Have you been looking for life insurance online, but maybe you’re frustrated with so many choices? Why spend endless hours searching online when you already know buying life insurance is the right thing to do? And term life insurance offers you the maximum protection at the lowest rates. Now it’s quick, easy and affordable for almost everyone to get term life insurance online without taking a medical exam. Actually, there’s a few insurers that offer instant approval life insurance if you qualify. You can apply online in about 5 minutes and find out if you qualify instantly. That’s right. No more paperwork. No medical exams. No more pushy agents. And, no more delays of between 4 to 6 weeks to receive your policy. Today, you can get life insurance online and print your policy immediately after you pay your first premium online. You can actually get life insurance coverage “In Force” today, if you qualify. Not everyone qualifies for coverage though. You do have to be in good health, generally. But, even if you’re taking medication, or may not qualify with other life insurers – you might qualify for no exam life insurance. Okay, you should be aware that life insurance with no exam required may cost you a little more than coverage through other insurers. But the benefits outweigh the costs for some folks. Several benefits include: Instant approval, coverage “in force” today, no doctors, no invasive needles, no medical tests, no mailing delays, no pushy insurance agents to deal with… The list goes on. However, there are two drawbacks - the premium may be a little higher. And, not everyone qualifies for coverage. It’s easy to find out if you qualify for no exam life insurance. You just answer a few simple health questions to get your instant quotes. Then, you decide if you like the rates, and you can apply online in about 5 minutes. You usually get a response within 10 minutes as to whether you are approved for your life insurance coverage. Then, you can pay your first month’s premium online, and print your policy immediately. It’s that simple. No time delays, no mountains of paperwork and no dreaded medical exams. Make sure to check the financial rating of your life insurer. It is usually provided on their web site. Also, paying an annual premium is usually less expensive than monthly payment options. Finally, when you buy direct online, you’re cutting out the uncomfortable sales person at your dinner table trying to talk you into the policy. Life insurance no medical exam policies can provide the protection you need at affordable rates. It’s worth a few minutes to get instant quotes and decide if you want the coverage. There’s no hassle, and no sales pressure.


Life Insurance – Medical history increases the cost for 66% of applicants -- Wednesday, January 27, 2016

Summary: Life companies keep their initial quoted prices low by being choosey on who they accept on standard terms. Having made a formal application, two thirds of applicants will face a loaded premium. This article explains why and what the shopper can do about it – choose an online broker! Lucky applicants for life insurance can be insured within 48 hours and at the premium quoted - but 2 in 3 applicants are faced with delays plus the prospect of having their premium loaded. So who are the lucky ones? Basically, you'll have to be as fit as a flea with no family history of serious illness, under 45, in an office type job and probably applying for less than £250,000 cover. For everyone else there is going to be some hassle. When an insurer provides an initial quote for life insurance, all they know is your age, sex and smoking status. They use these details to make an initial prediction of how long you are likely to live and on that basis they give you an initial quotation. They call it their “Standard Terms”. If you want to progress your application you'll have a multi-page application to complete. This isn't as daunting as it may seem, as most online operators take your details over the phone and send you a copy of the completed application for you to check over. But the questions are extensive and if you miss out anything that later turns out to be significant, your insurance may well be invalidated. So be warned and take care! The insurers use your application details to look out for anything that signals current or future concerns about your health or life style. Besides the obvious questions that reveal health problems, they also evaluate your weight, alcohol and nicotine intake, and any potentially inherited health problems. So if your father died of a heart attack or mother died from breast cancer, they'll be concerned. Then there's your life style. If you're in a type of job where accidents do happen, construction jobs are a good example, or you are involved in any form of dangerous sport or flying, your premium is in line for loading. They'll even want to know whether you regularly travel to countries that are known to represent health risks for visitors. And whilst the law doesn't allow discrimination against same sex relationships, the insurance companies will almost always insist on a medical for these applicants. Insurers freely admit that the number of questions they ask is increasing. They claim it's to reduce the number of claims they refuse. Whilst that may be partly true, the trend has also coincided with an increase in the proportion of applicants who are seeing their premiums loaded. Some years ago it was nearer 40% - today's for some insurers the level is virtually 66%. How much extra might you be asked to pay? That's a bit like how long is a piece of string. But to give you a feel, a woman aged 40 receiving medical treatment for post-natal depression was recently faced with a 50% loading on an initial quotation of £7.60. A woman whose mother had breast cancer similarly faced a 50 % loading. Seriously overweight people can also expect loadings of 50% to 100% or even refusal. Faced with a loading what can you do? It's important to appreciate that the insurance companies giving the cheapest initial quote are also likely to have particularly choosey medical criteria. That's how they keep their quoted prices low. So if you're faced with a loading, the best advice is shop around, Try one of the more expensive providers like Friends Provident who are sometimes a bit more lenient. Whilst this may sound overly complicated, remember that over the years, an extra £10 a month on a 25 year policy represents £3,000 of your hard earned money. If you don't have the experience or time to do this, and after few of us do, speak to an online life insurance broker. Competition is high on the Internet and online brokers will normally reduce your premium by cutting their commission. Their systems are also well versed in finding alternative providers to alleviate loading problems. So keep things simple. Let your keyboard fingers do the walking and let the online broker do all the hard work!


5 Things To Look For When Buying Dental Insurance -- Tuesday, January 26, 2016

When it comes to taking care of your teeth, purchasing the proper dental insurance is essential. Dental insurance really comes in handy for those who cannot deal with the increasing costs of seeing a dentist. The decision to select dental insurance that is right for individuals or families (depending on the situation) becomes an important task to conclude. Whether you are buying dental insurance through your place of business or looking for independent options, it is vital to analyze a variety of plans to ensure you are getting the best deal. Many different factors listed below may come into play when making a final selection. Affordability When selecting dental insurance, it is important to compare yearly maximum coverage on a regular basis. The amount in benefits that a plan will pay in one full year is one of the most important aspects to choosing the best dental insurance plan. Yearly maximums also renew on an automatic basis every year. It is also important to know that anything not used within a year will not roll over into the next. Many dental insurance companies only allow an average yearly max of $1000. Dentists In the case of independent dental insurance, most plans will only cover your dental services if they are administered from a dentist that is contracted or participating in their network. It is important to find out if you are required to receive your dental work from a participating dentist. Some plans may allow individuals to stay with their current dentists, but checking the policy for these allowances is essential. Major Coverage Dental insurance companies separate their dental procedures into three different categories. When comparing plans, you should ask about their policies regarding preventative, major, and restorative work. Varying dental companies will view different dental procedures in many different ways. For example, one dentist may consider root canals and crowns a major procedure while another will not. This is important to know before choosing a dental insurance plan. Waiting Periods The length of time that an insurance company will make you wait before you can enjoy coverage is called the waiting period. For example, some plans hold policies that make you wait 12 months or longer before you are covered for a crown. Cosmetic Dentistry If you are interested in seeing your dentist for any cosmetic procedures, such as teeth whitening or bleaching, you should know dental insurance companies rarely cover cosmetic dentistry. For the few that do, prepare for high rates.


Superfoods for Diabetics -- Wednesday, December 03, 2014

  The “superfoods” are known tobe extremely healthy and nutricious. Diabetics might be left wondering how exactly these foods would be helpful or harmful for them. The truth is that there are actually a number of “superfoods” that can be particularly helpful for diabetics to eat. All of these food items that made this list have beenselected because they are high in; calcium, potasium, fiber, magnesium and Vita A,B&C! Beans of all types are great because they provide a lot of fiber. Spinach, various dark greens and Kale are super healthy and you can never have too much of the stuff. Fruit and particularly citrus fruit high in vitamin C like oranges and lemons are an excellent choice of food for a diabetic. Berries and fat-free milk and yogurt are some of the best for you. Try making a a smothie out of these ingerdiants for an excellent and healthy treat. Also don’t forget the whole grains. A few berries in the whole grain cereal can make for a delicous breakfast. We hope you enjoyed these tips, here’s to being healthy and eating delicous food.


Tricks for Eating Out if you’re Diabetic -- Wednesday, November 26, 2014

Everyone likes to go out once and a while but if you are a diabetic there are a few things you need to watch out for. In this article we have provided a few tips for maintaining a healthy diet even when you go out to eat at a restaurant. For some diabetics watching the carbs can be important while for others salts and trans-fats are the big no no’s. You should speak with your doctor or health adviser to make sure you understand your unique situation. The key is going to restaurants that have a lot of different options. That way the rest of the family or friends can get those things they like and you can still eat healthy. Everyone wins! Also when possible, try restaurants like Applebea’s, which always provide heart healthy options.

For more tips on how to eat properly as a diabetic please stay tuned.


Life Insurance Planning and Veteran’s Day: Phenomenon of Pride and Sacrifice -- Wednesday, November 26, 2014

Tuesday marked this year’s Veterans Day in America. Veterans Day is celebrated on November 11th every year and honors those American’s who have served in the nation’s Armed forces. Celebration of Veteran’s Day evolved out of America’s observance of Armistice Day to honor the end of the First World War, starting in 1919- the year after the war ended. Our nation’s observance of this day officially transitioned into its current form of Veterans Day in 1954.

This is a day to honor those who sacrificed their current living conditions for the people, values, and ideals that they loved and believed in. It is a phenomenon that displays the best of mankind- to identify those aspects of life that are worth sacrificing for, and taking the action to honor provide for them. Such is the essence of life insurance planning. At its root, life insurance planning is recognizing that there are things that we care about enough to sacrifice for, even if we are not able to be present to experience their worldly benefits. This type of action carries a significant amount of pride, not only for the individual making the sacrifice for what they believe is right, but for anybody that knows individual making the sacrifice. Visit ClarityLifeIns.Com to see how a thoughtful appreciation of our veterans, families and ideals translates into a superior life insurance experience.


Singles Day, Alibaba, and Optimizing Life Insurance Online -- Thursday, November 13, 2014

Alibaba, China’s retail ecommerce giant, disclosed on Tuesday that it had brought in approximately $9.3 billion in sales on its annual Singles Day shopping event. Singles Day, originally initiated as a day to honor single individuals in China, has turned into the world’s largest online shopping day in the world. This year Alibaba shipped 278 million orders- 43% of which were placed on mobile devices. In what analysts are calling another burgeoning display of the growing purchasing power of the Chinese people, it also represents another fascinating worldwide trend- the increasingly convenient and efficient experience of researching, comparing, and purchasing one’s desired products or services on the internet.

People of all nations, from China to Chile, and most notably the US, individuals are growing increasingly comfortable navigating their entire purchase process online. Relative to traditional brick and mortar purchase environments, online facilitation of the products you want and need offers a great level of transparency in pricing, educational resources, comparison tools, and efficiency of one’s time, money and energy. In the category of life insurance, there is one company that stands above the rest in terms of its ability to use the power of the internet to deliver the best experience, best results, and most convenient and enjoyable process. This firm is Clarity Life Services. Visit this refreshingly client-focused firm now at ClarityLifeIns.Com to get your vision of clarity into the future of the optimal life insurance process.


Japan Prepared and Protected -- Tuesday, July 08, 2014

As Tuesday hit Japan, so unfortunately did a typhoon by the name of Neoguri that slammed the coast with 120 MPH winds. Over 86,000 households in the nation lost power as the storm made contact with the Okinawa islands that brought waves of over 60 feet high. Meteorologists, calling it a "once in a decade" storm, said the system had fortunately weakened from a super typhoon to a regular typhoon, but even at the lower classification, officials with control in the area still advised about 600,000 residents to evacuate their homes.

Fortunately, Japan is a well protected society in terms of the financial protection of their families, especially in regards to life insurance. According to the most recent data, 85% of individuals in Japan have a life insurance policy, with an average of 3.6 policies per household, and an amazing average of 8% of household income spent each year on life insurance premiums. Even though Japan has about 200 million less people than the US, they only have just a few million less total people that are covered by a life insurance policy. To find out how a thorough knowledge of the life insurance industry and mindset in Japan can help you understand how to make a more educated and efficient choice of policy in the US, call Clarity Life today!


Scarce Resources and 4th of July Travel Highlight Life Insurance Suitability -- Thursday, July 03, 2014

This year the nation is expected to have another very highly traveled Fourth of July weekend, with about 41 million Americans traveling 50 miles of more from their homes, a 1.9 percent increase over the number last year, according to AAA. The time period use to calculate the number of Americans traveling is Wednesday through Sunday.

Although the higher demand for travel around a holiday like the Fourth of July will always tend to push up the gas prices Americans pay at the pump, this year is a particularly tough one as the concerns mount in the Middle East and the US dollar continues to slide in value within the global oil markets. Tom Kloza, chief oil analyst at GasBuddy.com, states "We’re going to see the highest July 4th prices since 2008, and we probably wouldn’t have, if it weren’t for Iraq."

Given that production and therefore income spending power of Americans for this weekend is already set in the wallets of consumers by this time, these increased prices at the pump will eat into the spending power that American's have for their other purchases this weekend. In the absence of further accumulation of consumer debt to make room for increased expenditure on the aggregate level, these higher gas prices will lead to decreased sales for the other sellers of goods and services for these travelers. In regards to the impact on the economy as a whole, the most important result of the increased gas prices will be its effect on national income, arguably the most significant single statistic to measure American's spending power and prosperity. This net effect will come down to whether the production of the goods and services that require increased spending in one area are produced by Americans to a larger degree than the goods and services that will not be bought because of the higher gas prices.

This phenomenon highlights the economic reality of limited resources and is a concept that can help explain and clarify the trade offs between many financial planning decisions, including the suitability of your life insurance policy type. More precisely, this thorough economic analysis can very clearly lay out the cost-benefit in the decision to utilize a permanent life insurance policy as opposed to a term life insurance policy. Contact us at Clarity Life to understand and experience the clarity that this analysis can bring.


Learning From Mistakes for Better Cost Benefit Financial Planning -- Wednesday, July 02, 2014

General Motors announced another series of vehicle recalls on Monday. This time covering around 7.6 million automobiles in the US from 1997 to 2014, with another 800,000 vehicles that will need to be retrieved from other parts of North America, bringing the total to 8.4 million. Combined with the other vehicle recalls that GM has had to do this year, the company is already at an amazing 25 million so far in 2014. The Wall Street Journal reports the grand total of recalls is already at a "number greater than the company's combined US sales for the years 2005 through 2013."

GM is in a very tough position, but seems to be doing the right thing at this point. They have admitted failures but are learning from and correcting those failures. In the area of financial planning, it is critical to learn from other's past mistakes. Most of us share many of the same broad financial considerations and objectives throughout the course of our lives, leaving us with many case studies and real life examples from which to learn. At Clarity Life we believe that these past real life examples are critical to be aware of and to learn as much from as possible. That gives us the ability to really understand all of the costs and benefits of any given planning strategy. To experience how we use this analysis in our approach to finding you the optimal life insurance strategy, contact us today at Clarity Life.


Auto Sales, Sub-Prime Lending, and Your Life Insurance -- Wednesday, July 02, 2014

The US auto industry sold 1.6 million vehicles in May 2014, an 11 percent increase from May of last year. That is the highest amount of vehicles sold within the country in the last seven years, with that prior high mark coming at the peak of the boom times before the 'Great Recession'. Unfortunately, for most people though, it does not quite feel like boom times right now again in the US. So what explains the record sales? Well when we look below the surface we see that, in real terms, purchasing a car has in some ways actually become cheaper and more accessible through a combination of different phenomenon. Although the first quarter of 2014 data is not out yet, auto lending by banks, in terms of dollars that were borrowed, increased 12.9% in the fourth quarter of 2013, compared to the same quarter a year earlier. As of the end of that quarter, this left banks with $250 billion of outstanding auto loans, or 31% of the total.

As the Federal Reserve's low interest rate policies compressed interest rate margins, by which banks traditionally generate the bulk of their income, banks have tried to make up that lost profit through higher volume of lending, lower underwriting standards and riskier loans, leading them to compete to lend to auto buyers. Increasingly, these loans are rolling every cost of a car purchase into the new loans. From title and taxes, aftermarket warranties, credit life insurance, even negative equity in their trade-ins - and to bring monthly payments down further, are extending the terms in which the loan will be paid. This has created an average loan to value in the industry of over 100%. From history, we know that excessive leverage and credit expansion often leads to many problems within an industry and the economy as a whole. To understand how these developments may impact your financial situation, your life insurance plan, and the economy as a whole, contact Clarity Life today.


Knowledge and Light to Produce Results -- Wednesday, June 25, 2014

How much light do we need? What is the appropriate daily serving of light that will give us the best chance for health and happiness now and in the long run? These are questions that are not commonly asked by one's doctor or psychiatrist, but research is increasingly showing that receiving sufficient light is an important part of an individual's health. It has been within just a few generations that most humans have gone from spending most of their waking hours outside working to produce the substance they needed to live, to now where most in the developed world spend just about all of their working hours inside and much of their leisure time as well, usually doing most of their traveling between the two inside a car or other enclosed vehicle.

Over the last 4 or 5 decades the sun has been treated as more of a danger to our health, most notably from ultraviolet rays that contribute to skin cancer, than a source of positive energy. Light intake significantly affects our psychology, physiology and mood, and therefor our short term happiness and ultimately our long term physical health and mental attitude. Very influential research is being done now that is producing results and knowledge on this subject that are accumulating at an increasingly fast rate. Becoming aware of this body of knowledge is proving to be more and more critical to one's overall health and wellness. At Clarity Life we are committed to continuing our pursuit of staying at the forefront of how to produce better results for people. This is the approach we have taken to providing not only the quality and range of products available to our clients, but the insights to help them utilize these products most effectively, and the absolute most efficient process to conveniently and apply and implement their ideal plan or strategy. Please contact us today to see how this comprehensive way of looking at producing results translates into the efficiency and effectiveness we can bring to your financial plan.


Doing What It Takes to Honor the Eldery -- Wednesday, June 25, 2014

Japan released a new report regarding its intentions to drop it's national corporate tax rate to below 30% through a few different stages beginning next year. The plans are a piece of what has become known as Abenomics- the three-pronged economic reform strategy championed by Prime Minister Shinzo Abe, who has had held that top political post in Japan since December 2012. This 'third arrow' as it is now often being referred to is part of the larger effort to improve the business operating environment to spur economic activity and growth. The other two 'arrows', which began to be implemented last year, aimed at using fiscal and monetary policies. Fiscal policies are enacted through tax and spend activity by the government while monetary policies use the central planning of interest rates and the money supply, often through the nation's central bank.

After debatable success with these first two pieces of Abe's strategy, this current set of reforms has the most consensus regarding its effectiveness to create positive economic change. Specifics on how the tax reductions will be put into place have yet to become clear by the administration, but the country's current corporate tax rate at almost 36% for large companies operating in the nation's capital of Tokyo is among the highest in the developed world. Many fear that, after bold action in the first two arrow's, this piece of Abenomic's may fall short in terms of its aggressiveness. With depressed growth rates for nearly the last two decades, a recently devaluing currency and increasing inflation, many fear the country's ability to cover the rising social welfare costs of caring for its aging population. Caring for the elderly is a significant goal for most individuals and nations, formalized and systematized by public policies and programs such as the Social Security and Medicare programs here in the US. Caring for the elderly includes providing that individual with an honorable memorial at passing- ideally celebrating the life that had just existed. This type of honoring takes resources, and if one wants to ensure this takes place, they need to ensure that those resources will be available immediately and freely upon that individuals passing. The tool that was specifically created for this human ideal is final expense life insurance. Final expense life insurance is a product specifically designed to provide the resources to take care of those final costs associated with one's death and the celebration of that life. Clarity Life specializes in the final expense marketplace, representing dozens of carriers and every type of health underwriting option available. Contact us today to truly understand this marketplace and how to get the best deal to accomplish these goals for you and your loved ones.


The EPA and Cost Benefit Analysis -- Tuesday, June 24, 2014

On Monday, June 23rd the Supreme Court issued a positive judgement for the Obama administration’s Environmental Protection Agency in its efforts to regulate greenhouse gas emissions from power plants and other potential sources. These efforts are a very significant and contentious move by the agency, in conjunction with President Obama’s White House. The implications of this decision will be impactful- the degree to which this impact will fall on the more costly or beneficial side is hotly debated between opposing groups- with some seeing it as a monumental move towards the more beneficial state of more environmental protection, with others seeing it as significantly destructive to the economy and job prospects.

What is not going to be so hotly debated is that the Supreme Court’s decision is a large show of support for the administration’s efforts for greater environmental protection regulation. The decision was summarized by Justice Antonin Scalia as such, “EPA is getting almost everything it wanted in this case. It sought to regulate sources it said were responsible for 86 percent of all the greenhouse gases emitted from stationary sources nationwide. Under our holdings, EPA will be able to regulate sources responsible for 83 percent of those emissions.”

So it is clear that this is a significant move that will have a substantial environmental and economic impact, with both costs and benefits. Cost-benefit analysis is critical to all types of planning, including understanding and implementing the right life insurance for you. Clarity Life specializes in this type of analysis and the systems to conveniently help you throughout the entire process- until your policy is safely in your hands.


Less Social Security Offices, But More Clarity Than Ever -- Saturday, June 21, 2014

A congressional report that has just been released alerts the public to the surprising fact that despite millions of baby boomers approaching retirement, the Social Security Administration has been closing a record amount of field offices. The report, completed by the supposedly bipartisan staff of the Senate Special Committee on Aging, says that the agency has closed more locations in the past five years that any other 5 year period, with 64 field offices shut down since 2010. Senior citizens who are in need of help and information are now facing longer waits in person and on the phone. The Senate committee is now scheduled to hold a hearing on the report today, Wednesday June 18th, 2014. Social Security and Medicare planning are significant pieces of all seniors’ retirements plans, and a clear and proper understanding of what those benefits and costs associated with them are becomes critical to an individuals personal risk management. A fuller more thorough analysis of these programs allows recipients to ultimately receive more from them. More certainty, more peace of mind, more freedom. Clarity Life has developed systems, educational resources, and most importantly, thoughtful consultants, to assist in accurately and clearly explaining these programs and what matters to you as an individual recipient. Contact us today to schedule a brief consultation for a better more confident understanding of these pieces of your future.


You Can Do It All From Your Smartphone, Even Experience Clarity -- Saturday, June 21, 2014

Another giant Internet company competing for our business in the smartphone market cannot be a bad thing for the consumer, at least in terms of price and innovation competition. On Wednesday, June 18th, Amazon introduced its first smartphone to hit the market. It is a feature-packed device that aims to create a beautiful and intuitive experience, correct some of the flaws in its competitors, and ultimately further integrate the companies overall services into the lives of its users. The phone will be available for shipping starting July 25th, and will operate exclusively on AT&T’s network to start. We are living in a world of quick moving innovation, and while the largest Internet companies and retailers are doing their best to create solutions and provide usefulness for their services, Clarity Life has created an organizational structure that is focused on leveraging technology to create innovative solutions to provide the absolute best and most convenient service to identify your most efficient life insurance plan in the marketplace. With our easy to use and transparent quoting system, educational materials to understand your options, and electronic signature processes, we have made the experience of searching for and implementing a life insurance policy easy, intuitive, and in some cases even enjoyable, with the entire process able to be fully completed right from the convenience of your computer, tablet, or even smartphone!


Impactful Words, but No Clarity -- Thursday, June 19, 2014

The Federal Reserve, the central bank of the United States, ends its two-day policy meeting today Wednesday, June 18th, 2014, leaving many involved with the financial markets nervous and ready for some action. The Fed will conclude its meeting officially with a press statement and press conference that is watched by traders and market participants on the edge of their seats waiting for any news about a change in direction, or even slight change in mindset or belief, from those pulling the strings of monetary policy at the top of the Fed. The specific words, phrases, and tone in the statement will ultimately affect interest rates, inflation expectations and outcomes, and currency values, altering the valuation of trillions of dollars of property and assets all over the world. If it sounds strange that the tone and order of a few sentences by a very small group of bankers can impact so much across the globe, you are not alone. We are undoubtedly at an unprecedented time in regards to the significant that the US’s central bank is playing in the value of everyone’s property. An understanding of these macro factors is important to all areas of financial planning, even life insurance. To speak with life insurance specialists who also understand the larger factors at play that can affect the long term value of your plan, contact the consultants at Clarity Life Brokerage today!


Tragedy, Prices, Interest Rates and Life Insurance -- Wednesday, June 18, 2014

This past weekend saw further rises in the tension and violence in Iraq, where the country appears to be gradually losing control to an extremist group of militants. The power struggle is becoming increasingly acute with a new report on Monday morning, June 16th that the northern Iraqi town of Tal Afar was captured by Sunni militants, which are an al-Qaida-inspired group known as the Islamic State of Iraq and the Levant, or ISIL. Both individual residents and the mayor of Tal Afar have confirmed the report and highlighted the overwhelming presence of militants in pickup trucks mounted with machine guns roaming the streets, shooting off gunfire with big black banners pronouncing jihad. The current shiite-led government in control at the federal level is at its most critical and uncertain point yet.
This is a tragedy on many levels, from the Iraqi citizens and families currently living in Iraqi, to those Americans who took part in the power transition away from Saddam, to countless others in the world community that made sacrifices to try to bring peace to that part of the world. Unfortunately, the impact of these events will affect individuals all over the world both politically and economically. Due to the nature of the world economy, these developments and the uncertainty and the destruction of value that they have caused will directly hit the wallets of American citizens everyday, most directly as a result of increased energy prices. To understand how exactly an event like this impacts prices, interest rates, and ultimately the pricing on insurance products, particularly life insurance, that American families must manage to keep up with every day, please contact us at Clarity Life. At Clarity Life, we pride ourselves on understanding these dynamic economic connections so that we can better prepare our clients for the financial landscape that they will be faced with.


The Forecasts of Economists, and the Economics of Forecasts -- Tuesday, June 17, 2014

What do economists know anyways? Well hopefully if their reasonable enough and in tuned with the history of their profession, they know that most economic projections are futile. Predictions about upcoming economic conditions and developments are notoriously lacking in accuracy, even by those at the very top of the profession, namely those at the Federal Reserve, the US government’s central banking system. The proof is simply in the documented results of their statements. One straightforward but thorough analysis of such documentation is a paper by Reifschneider and Tulip (2007), in which they laid out the forecast error performance of a range of public and private forecasters over 1986 to 2006.

Now, some recent predictions have just been reported from a June 12-16 survey in which 55 percent of 56 economists believe that the pace of tightening of monetary policy is being underestimated in financial markets as seen by the pricing in Eurodollar futures, the most actively traded short-term interest rate contract in the world. The individuals and organizations who have invested in these contracts are expecting a slower move in the Fed’s interest rate increases than the actual Fed itself. Given that it is the Fed itself with control over these moves in policy, this can only mean two things: that these investors in these contracts either think that the Fed is mistaken and will not have the ability (due to political and economic consequences) to raise rates as fast as they say they will, or that they are just not telling the truth.

Unfortunately, in the world of economics today it is very tough to determine what is truth, opinion, and who to trust. Fortunately, at Clarity Life our mission is to bring clarity back into the economics of life insurance planning. We do this through the web’s most transparent quoting system, independent and honest advisers, and an organizational structure that facilitates getting at the root of what you want to accomplish for you and your family in the most convenient way.


Changing Demographics, Changing Marketplaces -- Friday, June 13, 2014

By the year 2050 the number of individuals over the age of 60 is projected to more than from 841 million to over 2 billion. This is an extremely significant demographic development that will have a plethora of consequences and implications over this time period and forever onward. The demographics of a population, whether global, national, or local, plays a large part in determining the social, economic and political landscape of that society.

In the savings and investment aspect of the economic landscape created by these changing demographics, we will come face to face with a phenomenon not yet seen by the investment management community. This phenomenon is the sheer size of the amount of people who will be living off of their past savings, which means the demand for the right type of investments that are suitable for retirees will be at unprecedented levels- which are generally safer, more stable, and lower yielding than the types of investments that should be utilized in the accumulation stage of assets while one is still working.

Some particularly keen observers are analyzing the impacts of this transition coming, with Sarbjit Nahal and Beijia Ma at Bank of America Merrill Lynch, giving this development the name of the “longevity revolution”. Nahal and Ma write, "Demographics provide an investor base that will be less keen to take on unhedged equity risk than previously. As the population ages, core equity holdings will shrink as a proportion of asset allocation in exchange for more traditional wealth preservation assets such as bonds."

The change in demographics leads to a change in demand for certain types of economic values, which then has impacts that ripple through to countless other aspects of life. A proper understanding of these implications will better help you prepare for the challenges and opportunities of the future. To see how these approaching changes will impact the insurance marketplace, particularly, the demand, supply, and pricing of the life insurance market, contact Clarity Life today for a full no-cost consultation.


Hong Kong, Bitcoin, and Financial Planning in America -- Friday, October 17, 2014

Generally, when it reaches the point that you are able to get a certain product through an automated vending machine, you know that product has arrived. Whether it is a food snack, health maintenance product, or currency, the initial capital investment it takes to create such an automated system means the demand for that particular item has been deemed both strong and stable.
The world has been seeing thesetype of developmentstake shape in a number of products and industries, but a particularly fascinating one has been the spread of ATM’s throughout Hong Kong that are allowingindividuals to exchange their cash for Bitcoin, the first and most prominent of the world’s cryptocurrencies. A cryptocurrency is defined by Oxford dictionaries as “a digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of a central bank.”
As has been the case with many industries, Hong Kong has set itself apart as a leader in adopting these growing financial innovations due to its clear and practical regulations and skilled and resourceful local human talent. Many believe this leadership position will continue due to the transparent legal framework that exists, Hong Kong’s proximity to the massive economy of China, and, perhaps most importantly, the attitudes and statements’ of local officials, as highlight by John Tsang, Hong Kong’s financial secretary, who was recently speaking to a room of young people: “Bitcoin is not a currency. Just like your armour in World of Warcraft, since we don’t regulate those, we won’t be regulating Bitcoin.”
Clear and practical regulation and an attitude of innovation, freedom and technological progress will continue to foster this growth. To hear about how cryptocurrencies relate to financial planning in America, life insurance, and the overall global economy please contact us today at Clarity Life Brokerage, an organization built on the principles of innovation, transparency, and convenience for its clients.


The Future of Signatures  -- Friday, October 17, 2014

In this day and age we see more and more business processes becoming digitalized. Traditionalists whose credo is, “if it ain’t broke don’t fix it” often have difficulty recognizing the benefits of using new technologies. On the other end of the spectrum are individuals and organizations that seek out new processes to incorporate into their overall business structure in the hopes that those technologies will make them faster, more efficient and ultimately more productive.
The e­signature which gives an individual the ability to sign documents, agreements and other contracts that are in the form of a pdf or other digital format from the convenience of any internet enabled device is one of those new technologies. In 2000 the “E­signature Act” was adopted into federal statute making electronic and digitalized signatures fully enforceable by law. Thank you, Bill Clinton. Although this law was federally adopted, different organizations are only just beginning to realize that e­signatures are not only a valid form of signature but are actually better than the traditional ink signature because they include a comprehensive audit trail which includes the time and date of the signature as well as the IP address of the signer. That means that as opposed to an individual's unique rendition of their name beside a date and location to represent an agreement of a party, there is an actual documented digital and electronic proof of where, when and who is agreeing. Is that not what a traditional ink signature is intending to represent?
Such a technology is extremely useful in the insurance industry and allows for a superior insurance provider to help individuals apply for coverage even when they are in different states, without waiting for mail or the clutter and expense of fax machine! Clarity Life insurance brokerage is an organization which identifies ideal insurance strategies for their clients and is now able to operate on a much greater scale and help more individuals all thanks to e­signatures. Check out this companies success story and how they are currently revolutionizing the insurance industry by making applying for insurance efficient and convenient. See the e­signature in action at Visit Claritylifeins.com.


Understanding Waste and Checks and Balances -- Wednesday, June 11, 2014

Criminals love huge sums of money that are only lightly guarded. Thus many have found particular favor with the American health-care system, particularly Medicare and Medicaid. Medicare is the public health insurance system for the elderly while Medicaid is the public system for those below certain income and asset levels. According to one former head of the Centers for Medicare and Medicaid Services (CMS), in just one year the system can lose between $82 billion and $272 billion to medical fraud and abuse.

This is a tremendous waste within a system that our country needs to continuously get more and more efficient given the demographic and financial developments underway. There needs to exist a system of checks and balances that ensures the accountability of each and every dollar spent. Here at Clarity Life we combine a vigorously prudent attitude alongside a thorough and passionate understanding of economic principles to ensure that our clients are always connected with systems and resources that have these checks and balances and accountability mechanisms. Whether it is getting some independent information on your Medicare health insurance options or becoming informed about what life insurance companies you can trust, Clarity Life has the answers, communication skills and resources to help you understand what type of landscape you are in and how to make sure you and your family are protected from the many risks and uncertainties involved.


On the Edge, With Help, for Now -- Tuesday, June 10, 2014

In a study that kept track of more than 1,000 students over the course of 5 years, from when they entered college in 2007 to 2013, it was found that even after two years removed from college half of all graduates are relying on their parents or other family members for at least some form of financial support.

Substantial student loan debt burdens coupled with the terrible job market have created a situation where only 49% of graduates say that they are working full time, and even among those who are working full time, half still rely on some degree of financial support from their family. This environment has changed the course of the lives of these young people forever. The tough financial conditions have influenced many of these graduates to postpone many milestones and life goals that may have already been engaged in, such as getting married, having children, or purchasing a home.

It becomes quite evident that a poor economic environment lacking in opportunity takes away many options and freedoms that young Americans once took for granted upon receiving their degree. Many have stayed optimistic about the prospects ahead but it is no surprise that such tight conditions and lack of prospects as their first impression of the real world has left many disillusioned and anxious about what they perceive will be the financial conditions over the rest of their lives, especially when that family support is no longer there. Clarity Life helps people put in place real life plans to account for these generational transitions and the costs that are associated with them. Young people are having a terrible time right now making money, let alone saving money and preparing for life’s uncertainties. One major life event can create a financial burden that may seem unbearable to overcome, providing the temptation to not even try, potentially removing that individual even further from a life of financial security and freedom. Allow us at Clarity Life to clearly show you the options that can prevent such occurrences and events from turning into devastating financial barriers for our children.


The Significance of Actions, History and the Celebration of Life -- Friday, June 06, 2014

June 6th will forever hold a significant spot amongst notable days in American and world history. The storming of the beach in Normandy, France by Allied troops on this day 70 years ago was a momentous occasion for the world that ultimately changed the development and landscape of the world. It is sometimes easy to forget, but the events and results of that day were not predetermined and did not have to happen the way they did. History was changed that day due to the real life courage, conviction and toughness of American men, not far removed from being American boys. These men had the conviction of their principles and what they believed was right, and they paid the ultimate sacrifice to defend that. They should be remembered not only for these displays of strength and bravery, but also for simply being a part of a day that changed the history of the world, and decisions and actions that ultimately created the environment that influences individual human peace and prosperity. They should be honored. Their lives should be celebrated. At Clarity Life, we believe this is one of the great benefits of financial planning- the opportunity to ensure a celebration of life upon one’s passing. There is a entire marketplace full of tools to make this significant goal a reality through very reasonable and accountable steps, and Clarity Life has worked hard to set itself up to connect you with the best and most competitive of these tools. Please contact us to learn more about the importance of celebrating a life and the steps that can be taken to make sure this is a reality for yourself and your loved ones.


Advances, The Big Three Resources, and Convenience For You -- Thursday, June 05, 2014

Over the course of this entire week the world get’s to experience one of the more truly exciting annual events that is always sure to create waves in the arena’s of business, technology and culture. Apple’s Worldwide Developer’s Conference is a week long event, sponsored by the world’s most valuable company, in which one thousand Apple engineers and five thousand developers come together to share ideas and ambitions, work on projects, and ultimately as Apple states, “Write the code. Change the world.”

The most immediate and direct impact of the conference for most of us will be the launching of Apple’s update to its mobile phone operating system, IOS 8. The pace of developments in the world of technology are as fast as they have ever been in history, and this trend will continue increasingly in that direction. These developments are able to create many new efficiencies and conveniences, getting more done with less of our resources, particularly the big three resources for all of us: time, money, and stress.

These advances and improvements are able to be incorporated into services that have been around for generations, including, very powerfully, in the financial services and life insurance industry. This is where Clarity Life excels; taking the advances in the capabilities of technology and creating them into more efficient, convenient and comfortable services and processes for you. Clarity Life’s incorporation of these technologies has allowed its clients to participate in life insurance experiences that have never been so easy, enjoyable and clear, with many clients able to complete their entire process completely from the comfort of their homes on their smart phones. Contact Clarity Life today to learn about these amazing improvements, and don’t get left behind with a company that won’t stay ahead of the game to bring these benefits to you!


One-Third of People Do Not Get Coverage Because They’re Unsure -- Wednesday, June 04, 2014

One-third of people haven’t bought life insurance because they are unsure of how much coverage to get and what type to buy. In many instances, people do not trust the advice of door to door salespeople. The way to start the process is to determine what type of coverage to get for yourself and your family by looking into what exactly you are trying to accomplish with the coverage. The goal of the coverage may be to cover certain liabilities such as a mortgage, to replace income that would have been earned, or even to pay for final expenses. Once you have identified a potential financial “problem” you can identify the solution and type of policy that is appropriate. Its really not as complicated as you might think or as some agents make it out to be. To figure out the amount of insurance you may want, look at the cost of the “problem” or amount of the liability, cost, etc, or you can use a simple insurance calculator to quickly get some assistance. A typical funeral and memorial service can cost up to $20,000! Don’t let these things stop you from financially protecting your family. Visit claritylifeins.com today to get some unbised and independent information on the topic.


What value do you provide to your family? -- Wednesday, June 04, 2014

The foundation of life insurance is the recognition of the value of a human life and the possibility of indemnification for the loss of that value. -F.C. Oviatt

The role of an individual within a family and their contribution to the family is much deeper than a financial contribution. However, when individuals do have dependents there is a very substantial and important financial responsibility that they take on. In some tragic scenarios, which happen all too often, adults who have dependents sadly and unexpectedly die, leaving a void in the life of their children and surviving family members. That is an unfortunate reality, but what does not have to be a reality is the financial hardship that these dependents experience all too often. Thi Please, if you care about your children’s futures make sure you have enough life insurance coverage and ensure that even if you are gone your children will live a happy life, living in their own home and hopefully one day attending college. If you are unsure how much life insurance is appropriate for you, use this life insurance calculator to find out.


Wealthy, Weekend, Tragegy, Planning to Allow Proper Healing -- Tuesday, June 03, 2014

Over the weekend we were unfortunately alerted of the tragic news of the death of Philadelphia Inquire co-owner Lewis Katz. His private plane had failed to lift off the runway upon takeoff in Massachusetts, ultimately crashing and burning, killing all seven people on board. It was a tragic end for all, but most noteworthy was Katz, a local businessman who grew up in Camden, and who seemingly was at the pinnacle of his life. It is not quite clear what Lewis Katz life insurance and estate plan was like, but it is surely something in major discussion amongst his family and those around him at this point. It is one of those things that no one really wants to talk about it until it has been thrust upon them at a moment of devastation and heartache, often when emotion is unstoppable from taking over reason and logic in discussion and decision making. Proactive planning is done in order to prevent this wave of financial stress and uncertainty from occurring at precisely the same time as the personal devastation, which allows for the clear-headed and reasonable wishes of the deceased to be fulfilled, and allowing the family to deal with the tragedy in way that can facilitate healing and peace on their end, and properly celebrate the life of the recently deceased. The tool of life insurance can eliminate many of these issues and facilitate smart decisions and the overall healing process for one’s family. Schedule a consultation with a Clarity Life Counselor to hear about all of the ways life insurance can be used in estate planning and financial planning as a whole.


Express Underwriting for Life Insurance -- Wednesday, May 28, 2014

Often individuals simply do not have the time to wait the sometimes two months that underwriting can take before a life insurance policy is approved and coverage is in force. If this is the case, an individual may want to consider coverage with express underwriting type which can often times be approved in a few days. These policies are incredibly convenient and can still get people the life insurance coverage they want and at a low price. At Clarity Life they make it so incredibly simple to apply that a 56 year old woman was actually able to apply and get fully approved from her smartphone and in just a few minutes! If you are looking to protect your family’s financial future and don’t want to wait months for a policy, consider convenient life insurance coverage at extremely low prices. Visit www.claritylifeins.com now and see how easy it is to protect your family.


Gallup World Poll on Happiness -- Thursday, May 22, 2014

It was just reported this week that, after a study conducted by Gallup World Poll, in conjunction with Heathways, a company that studies and promotes positive wellbeing, the happiest country on Earth was determined to be Paraguay. Gallup conducted the study by surveying one thousand adult individuals in 138 different countries and asking them five simple questions: whether people felt rested, felt they were treated with respect, laughed or smiled a lot, whether they experienced enjoyment and whether they had learned or done something interesting the day before.

The managing director of the Gallup World Poll, Jon Clifton, added that "What we wanted to find out was what was driving those five things," noting in particular that “financial wellbeing" was one of the most significant influences.

As we have noted before, economic wellbeing is not about a focus on or love of the accumulation of money itself, but about what it is able to accomplish towards boosting the probability of happiness. This inference should be no surprise when looking at the questions the researchers chose to ask to gauge happiness levels, seeing that economic security and freedom open up the ability to those positive influences on happiness. Money itself is not what’s important, but we can see that it is worth planning ahead for one’s own financial future and to protect the financial future of loved ones in order to create more freedom to engage in the things that are important. The tools to do this are there, all you need is a partner that can offer you the strategy, price, and convenience to get you there. Clarity Life is that partner.


As Memorial Day approaches and everyone. -- Wednesday, May 21, 2014

As Memorial Day approaches and everyone’s holiday plans fill thoughts and conversations, we are reminded by all of the options for fun that surround us. However, the plethora of options also is a reminder of the increased cost of engaging in these types of endeavors. Over this past weekend, Disney Land announced it will be increasing its prices on several different types of entry passes to its parks by as much as 10%.

For most people, a 10% increase on an entry fee is manageable. However, that increase multiplied by a full family and added to increased transportation, accommodation, and food prices creates a financial hurdle that may not be possible, or at least prudent, to jump over. Certainly these increased prices for family endeavors will reduce demand for them. This is a simple representation and result of one of the fundamental laws of economics, the Supply and Demand Curve. This states that as prices rise, demand falls. And as prices fall, demand will rise.

These family endeavors in which a family can engage in an invigorating and spirit lifting activity together creates a lot of positive energy in the form of family connection and appreciation and the refreshment of the soul that leads to clearer thinking and more prideful and productive activity. Certainly the successful occurrence of such endeavors are a positive for society. This suggests that we should desire the price of accomplishing these activities as low as possible, so as increase the quantity in which they can feasibly be demanded. Lower prices create more abundance of options and opportunity to fill life with values that create positive outcomes. Fortunately, this can be beautifully combined with another economic phenomenon; that success begets more success, and positives create a higher likelihood of leading to more positives.


Converting a TermLife Insurance Policy into Whole Life Insurance -- Friday, May 09, 2014

In a marketplace that can seem a bit complicated and hard to understand, term life insurance is one product in the market that can be simplified to very basic and understandable terms. This type of life insurance offers the protection of a death benefit for one’s beneficiaries for a certain amount of time at a specified premium , or price, per mode chosen. Thus there are three key pieces of info that make up the policy; the amount of death benefit, the length of time the coverage is able to be kept, and the price being charged. This makes it pretty simple and straightforward to identify the most efficient policy. All else equal, if you line up five carriers that are offering a 15 year term with a $500,000 death benefit, the objective is to identify which one is offering the best price.

However, another aspect or feature of these policies that must be taken into account is the inclusion or not of a convertibility option on the policy. Convertibility on a policy, is the right, or option, written into the contract that allows the insured individual to turn his currently held term policy into a permanent life insurance policy with the same company without any further proof of health or insurability. This is provided as long as that option is exercised before the end of the term or before a certain age, usually 75, whichever comes first. A permanent policy can be define as a life insurance plan in which the coverage has no end or expiration date, so that the coverage will last as long as the insured lives, and will be locked in at a guaranteed rate for that entire time. With most companies that offer this feature, the insured is allowed to convert any portion of their current term death benefit into a permanent death benefit. For example, if a 58 year old is issued a 15 year term with a $500,000 death benefit at a preferred nontobacco rating, 13 years later at age 71 that individual, no matter what his current health situation is at that time, will be able to exercise his right to turn his current policy, which would expire and cease to provide protection in another 2 years, into a permanent policy for $250,000, receiving the rate that any other 71 year old would get if they had just applied and received a preferred nontobacco rating.

This option provides an incredible potential value that can be accessed within one’s term policy, giving the temporary solution of a term policy a feature that provides long term value. To find out more on strategies utilizing the convertibility feature on certain term life insurance policies, visit us at claritylifeins.com.


Life Insurance Riders Can Help Maximize your Policy's Value  or What is a Life Insurance Rider?  -- Friday, May 09, 2014

A rider is a provision on a life insurance policy which is purchased separately from the base policy and that provides some additional benefit at an additional cost. Riders help an individual to customize a policy to better meet their unique needs. One of the more common riders is the accelerated death benefit rider which allows an individual to access their death benefit when diagnosed with a terminal illness, in order to pay medical bills. If this rider is used the beneficiaries to the policy would receive a decreased amount of money upon the insured’s death usually the total face value minus the amount of benefit already accessed. Another very useful rider is the long­term care rider. This rider which is included for free on some policies allows an insured to access money from the death benefit to pay for any nursing home bills. Functioning similarly to a standard long­term care insurance policy, this can really make a great addition to a life insurance policy and help to make sure thelife insurance benefit has an optimal usage and that premium dollars are maximized. Click the link below to find out more about the long­term care rider as well as many more. www.claritylifeins.com


Amazon, PE’s, and Economic Profit -- Friday, May 02, 2014

On Friday we saw shares of the e-commerce company and tech giant, Amazon, lose nearly 10% of its value- a drop in the company’s market worth of $16 billion in a single day- down to a current trading value of $139 billion. The loss in value was triggered by the release of its first quarter financial results the day before, in which it reported modest profits of $108 million on sales of $19.74 billion, with a projected operating loss of between $55 million and $455 million for the second quarter ending June 30.

A profit of $108 million in a single three-month period is a tremendous sum in itself, however, it of course must be measured in relation to the other key figures noted. For a company almost 18 years old, quarterly profits of $108 million for a company worth $139 billion, does not stand up to competition. So why is the company worth so much? It is because Amazon is still considered to be in a high growth stage in which a lot of investments are being undertaken which will increase their profits significantly in the future.

This leads us to a key piece of understanding of the asset markets and economics as a whole- the source of which a company’s value is derived. It is most purely and simply their ability to make a profit. Now the key question becomes, what is a profit? Although seemingly very simple, this is an incredibly significant piece of understanding of which the root often gets overlooked. A profit is simply when an individual or organization is able to produce something of value for others that exceeds the cost of the resources that it used to create that value, therefore increasing the amount of value in the world as a result of their particular organization of those resources. The resources in question can be anything from its land, energy, raw materials, and the market price of the labor it employs. For example, if it costs a company $100 to produce a device or service that people will voluntarily pay $150, then they have created $50 of value from their organization of resources, and therefore earn a $50 profit. This is how the world becomes wealthier, by utilizing our scarce resources in increasingly efficient ways that enhances the human value we are able to get out them.

Fortunately, this allows us to see an incredible insight into understanding asset values, particularly stocks, or shares of companies. This is that the value of our assets is derived from the value they provide to society’s individuals, so that owning stock of a company is owning shares of that company’s ability to create cost-efficient value for others, earning itself a profit.

However, the other side of the equation is how predictable or sustainable is that organization’s ability to create cost-efficient value in a competitive world, and at what price are you able to buy a share of a company for given its current level of profits.

Even after its recent drop in the markets this past week, Amazon is still priced at 476 times earnings. This is its PE, its price to earnings ratio, often referred to as its multiple. As a whole, the S&P 500, an index that tracks 500 of the largest companies listed on American stock exchanges, currently has an average PE of 18.6. The historical average of the PE for the S&P 500, since Standard and Poor’s introduced the index back in 1923, is about 15. So we are clearly at a point where one of two phenomenon, or both, are at play. Either investors in shares of American companies are particularly optimistic about the future growth in earnings that will come from these listed companies, or the alternatives in which investors can put their money are much less attractive than they have been historically. The first phenomenon of optimism seems to be at play, the second is a fact.


Devastation, In Every Way -- Wednesday, April 30, 2014

Over the weekend we tragically saw another force of nature cause immensephysical destruction and take human life. A powerful tornado ripped through Faulkner County, Arkansas on Sunday night, destroying land, buildings, and most significantly ending the lives of at least 15 individuals. This reminds us of the power and control that Mother Nature has over the physical world in which we live and our lives overall. In the arena of risk management, it is always prudent to identify where these instances of risk are out of our control.

Some risk of course, will always be there. The goal is to identify and manage those risks on a rational level in order to provide enough personal security and stability to be at peace with one’s surroundings and the goals they have in life. Unfortunately, right now there are many in Arkansas who are being forced to evaluate the tools and degree of risk management that they had in place. The destruction has cause a number of families to use the four main types of insurance protection that just about all families should have: auto insurance, home or renter’s insurance, health insurance, and life insurance. Due to the potential losses from the destruction of the things that these insurances cover, all four are critical to protect an individual or family’s financial security, and therefore overall security, prosperity, and ability to be at peace.

On a final note, when a devastating event like this occurs, it is important to note that the overall economic impact moves in the same direction as the impact on the families involved- in this case, terribly negative. Inevitably, as with any natural disaster or war we hear some of the economic ‘experts’ saying that despite the awful human loss and suffering, there is a positive aspect in the form of the economic impact due to the new amount of spending that will take place to build back what was destroyed. It is certainly true that there will be some winners in this scenario as certain companies and individuals will earn business to rebuild things, when that demand would not have been there otherwise, and money usually will enter that particular geographic area from outside sources, such as the government or insurance companies. However, there is a concept in economics known as ‘the seen and the unseen’ which shows that what is ‘seen’ is all of the immediate spending and economic activity in and around a certain area, but what is ‘unseen’ is where that money is coming from and the economic value that cannot take place any longer because of the use of that capital. Resources are scarce and when they are spent in one area that means they must be taken and not spent in another area. When we look at it from a broad perspective it is very simple and obvious; the wealth and value in our overall society cannot be increased by the destruction of wealth and value, no matter if it’s a flood, tornado, or world war 3. Economics, like truth, and virtue, is on the side of the people.

When there is personal destruction and devastation there is also economic destruction and devastating. What is bad for people is bad for the economy overall. When things of value are destroyed, the wealth of the nation is destroyed.


The Search Continues for Missing Malaysian Airlines Plane -- Tuesday, April 29, 2014

As we continue to see headlines regarding the missing Malaysian Airlines plane we can’t help but wonder what the critical factors and tipping points might be for a conclusion to the search if the plane continues to go unfound. The reality is that we don’t know if continued efforts searching for the plane will bear any fruit. So the question becomes, given the immense amount of resources it is taking to continue with the search, how should the decision be made to continue or end this endeavor, and at what point. Based on fundamental principles of economics that allow us to see that an efficient allocation of resources produces more value in the world, the decision should be examined through another set of economic principles, cost-benefit analysis. However, we see that just as the price of any good or service is determined in the marketplace by supply and demand, the tough part is not in realizing that a cost-benefit analysis is the lens through which to look, it is in identifying and measuring what those costs and benefits are. Just as it is easy to say that the price of something is a function of its supply and demand, the hard part is to really determine what all goes into creating those actual end levels of supply and demand.

Of course, when judging the merits of any idea or endeavor through a context like cost-benefit analysis, it is necessary to define the two major metrics involved. Cost should be defined as the amount of resources being used, in the context of the aggregate cost of individual sacrifices and the opportunity cost of what those resources could have produced in value if utilized in a different way. Benefit should be defined as the aggregate expected value to individual lives as a result of those resources being used, where value is measured in the context of human happiness and the sustainability of that happiness. The concept of opportunity cost is particularly critical here as it highlights the reality that in a world of scarce (limited) resources, the benefit of utilizing a particular set of resources in one way has to be directly compared to the measure of benefit of the utilization of those resources in another way.

Of course, it is clear that this is a very imperfect method to determine precise unequivocal determinations of which course is a more efficient use of resources to lead to more human happiness. This imperfection is due to the subjectivity of value and happiness on an individual level and due to the unknown exact probabilities of the outcomes of any of these potential benefits. However, the principle that is highlighted here in which we can gain value is that even with unknowns we should be looking at these type of complex decisions using a defined strategic methodology, the key is just to understand what we actually want to accomplish!


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