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October 10, 2012

What’s in a quote? Fine-print, of course

Getting insurance quotes can be a major hassle if you try to be your own insurance broker.  From finding and contacting numerous agents to keeping track of all the fine print…who has the time?  One of many advantages of working with an independent insurance broker is that they can do this legwork for you, and …continue reading

The “Big Mac” Index

Something I ask my clients when discussing insurance, retirement and inflation is if they are aware of the “Big Mac Index.” The Economist magazine uses it to highlight purchasing parity between currencies in various countries. But it also illustrates the need for a cost of living riders in disability income insurance. Because just like the …continue reading

October 8, 2012

Is Your Biggest Asset Insured?

You’re thinking about your house, right?  Let’s take a look at something else: multiply your annual income by the number of years you expect to continue working (let’s use age 65 as a retirement age).  Now ask yourself, What is your biggest asset?  Most people will now say their ability to earn an income is …continue reading