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How the Government is Helping You Buy Long Term Care Insurance

10/26/2015

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The old joke is, when you hear the words “I’m from the government and I’m here to help”, you should RUN!!!

That may be true in many instances but this time, there is something good to be found…really…I kid you not.

I discussed this very subject in my last show, #WickedInsuranceMatterswithGregDurette, heard every Wednesday from 9:30 - 10:00am Eastern Time!  Since we archive each show, you can listen to this episode right here:

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/21/greg-durette-with-wicked-insurance-matters-how-the-govt-is-helping-with-ltc  

The government started a little pilot program many years ago called the Partnership Program with just 4 States that has grown to include nearly every State.

What it does is provide people an asset exclusion incentive to go out and buy their own #LongTermCare insurance.  Simply put, buy a “qualifying” policy on your own, and they will exclude a large chunk of your assets that would otherwise need to be spent down to qualify for #Medicaid.  

After 32 years in the industry, I understand it can be very confusing to know which type of Long Term Care policy may be right for you…and the internet can make things worse.

So, this show got into the weeds a little bit to try and help you understand:

  • What types of Long Term Care policy types are available
  • Who should buy them
  • How much to buy
  • What to look for when making a purchase
  • What HYBRID policies are and how they work

The purchase of the right Long Term Care policy can have a positive, profound and life altering impact on you, your family and your heirs.  The purchase of the wrong could have an exponentially negative impact. 

You need to get the facts and get them right.  Start by listening to the show and get professional advice from folks like us at #FutureSecuredFinancial.  That can help you get started on your  “Guided Research”. 

So, why should you make listening to my show a regular part of your life.  Simply put, it is designed to help folks avoid situations like this and offer true, legitimate and impartial information about things like:

  •   #LifeInsurance
  •   #Annuities
  •   #LongTermCare Insurance
  •   #Disability Insurance, etc.

I, along with some other expert guests, will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

  •   #Retirement
  •   #Estate planning
  •   #College planning
  •   #Inheritance planning
  •   #Business applications
  •   #ElderFinancialAbusePrevention
  •   #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to our next show on Imagine Never Outliving Your Money! on 10/28 and get informed.

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Why Annuities Get A Bad Rap!

10/19/2015

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Sometimes, it’s because they deserve it!  The trick is, knowing how to identify and select from some of the really outstanding annuities that exist today.

That was the subject of my last show, #WickedInsuranceMatterswithGregDurette, which is heard every Wednesday from 9:30 - 10:00am Eastern Time!  Since we archive each show, you can listen to this episode right here:

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/14/greg-durette-with-wicked-insurance-matters-why-annuities-get-a-bad-rap

With 32 years industry experience under my belt, I can say I am pretty confident in how to analyze the myriad of annuities available in the market.

I know it can be confusing for folks that choose to take a deep dive into the internet.  The terms can be redundant, there are endless products names and countless features that all profess to be “The Best”..

This show tried to make sense of things by talking about:

ü  The limiting features of the “old” style #annuities
ü  What #annuitization really is and why you should avoid it
ü  A brief overview of the categories of annuities
ü  Benefits of modern day #FixedIndexAnnuities
ü  How to #inflationProof your retirement income
ü  How to completely eliminate the #risk of #MarketLoss

 Annuities are powerful tools that look virtually nothing like the old style you may have heard about from your parents or grandparents.

These are sophisticated financial products with amazing consumer oriented benefits that can be found nowhere else.

You will never know if one is right for you unless you do what we call “Guided Research”.  That is, talk with us and get a roadmap BEFORE heading out into the wilds of the internet.  You will avoid many headaches and confusion, as well as, save yourself hours of dead-end searches.

So, why should you make listening to my show a regular part of your life.  Simply put, it is designed to help folks avoid situations like this and offer true, legitimate and impartial information about things like:

·        #LifeInsurance
·        #Annuities
·        #LongTermCare Insurance
·        #Disability Insurance, etc.

I, along with some other expert guests, will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

Ø  #Retirement
Ø  #Estate planning
Ø  #College planning
Ø  #Inheritance planning
Ø  #Business applications
Ø  #ElderFinancialAbusePrevention
Ø  #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to our next show on How the Government is Helping You Buy Long Term Care Insurance on 10/21 and get informed.

1 Comment

How Can Wicked Insurance Matters Radio Show Help You Avoid Huge (and Costly) Life Insurance Mistakes?

10/12/2015

1 Comment

 
It’s simple…just tune in to my show, #WickedInsuranceMatterswithGregDurette, every Wednesday from 9:30 - 10:00am Eastern Time!  In particular, our last show right here:

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/10/greg-durette-with-wicked-insurance-matters-choose-the-right-life-insurance

Over my 32 years in the industry, I have had the opportunity to not only learn a great deal about the available products but also, how to properly evaluate them and know the right people to work with in such endeavors.

This show covers:

  •  The different types of #life insurance available
  •  How each different type could impact your #future
  •  The very best ways to analyze each for your situation
  •  How certain types of life insurance are used as an #asset for retirement…not just death benefit
  •  The many unique #tax advantages of certain life insurances
  •  One clever technique used by many to create #TAXFREE retirement income

This show, I was fortunate to be able to have #SethLegatowicz as my guest. Seth is one of the country’s top experts in the life insurance industry. He has helped thousands of clients across the country find the best priced options on their life insurance.  He has unique and powerful insights into the many uses of life insurance as a financial tool that reach far beyond simple #deathbenefit. 

FYI, Seth’s direct contact info is email at [email protected] or telephone at 214-272-2769.

Life insurance can be a very confusing and consequently, paralyzing thing.  Sometimes, the myriad of choices and reasons for getting it cause people to simply choose to avoid the subject altogether.

How unfortunate for those relying on you to have it when needed! 

It is not rocket science to know no one has a crystal ball to foretell their own death.  If we did, you could make the perfect decision just prior to death and avoid all those years of premiums…right? 

There are 3 things to consider: 
  1. You will get older (happens day by day)
  2. You will likely develop some sort of #health issues as you do 
  3. You will die

I can guarantee two of those things will happen.  With any luck, it will be 1 and 3.  I can also guarantee two of those things will cause your premium to increase.

There was a client we had that, while relatively young (late 30’s), found himself in a #divorce.  Since the life insurance he had was for the benefit of his spouse, he thought it would be best to let it lapse and get something cheaper later.  Since he was in excellent health, he thought it would be the smart thing to do. 

As it turned out, it wasn’t.  Within 6 months he was diagnosed with stage 4 cancer.  The ability to get insurance now and for many years to come would now be zero.  Even then, when he would somewhat qualify, the cost would be through the roof.  

He has since beat the cancer but, is now living with the stress of knowing his two teenage children will be on their own for things like college, cars, even housing, should his cancer return or worse. 

Those 3 considerations are most commonly thought of as taking the course of number 1 followed long after by number 3.  That is not always the case.  The likelihood is all three will occur.

My show is designed to help folks avoid situations like this and offer true, legitimate and impartial information about things like:

  • #LifeInsurance
  • #Annuities
  • #LongTermCare Insurance
  • #Disability Insurance, etc.

I, along with some other expert guests, will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

  • #Retirement
  • #Estate planning
  • #College planning
  • #Inheritance planning
  • #Business applications
  • #ElderFinancialAbusePrevention
  • #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to our next show on Why Annuities get a Bad Rap at Wicked Insurance Matters with Greg Durette on 10/14/15 and get informed.

1 Comment

Can Wicked Insurance Matters Save Your Family?

10/5/2015

2 Comments

 
As a 32 year veteran of the insurance industry, I can absolutely say yes!  In addition to running Future Secured Financial, a financial services insurance agency, I am now the host of #WickedInsuranceMattersRadioShowwithGregDurette.  It can be heard live, every Wednesday from 9:30 - 10:00am Eastern Time.
You can listen to our debut show here:

 http://www.blogtalkradio.com/wickedworldradio/2015/09/30/greg-durette-with-wicked-insurance-matters-financial-insurance-1

Being my debut show, we wanted to answer a few key questions such as:

  • Which topics will be covered
  • How to check out ANY insurance or financial services broker or agent
  • How to check the financial status of ANY insurance company
  • How to research individual products THE RIGHT WAY
  • How to use the internet and AVOID confusion
  • What type of information is important for each
  • Why you need to listen each and every week!

I began all those many years ago when I was in college.  I put up a couple of walls in my parents garage, got a desk, a phone and some insurance carriers (after obtaining the appropriate licenses, of course) and began selling auto, home and life insurance to the local community.  I now operate all across the country helping individuals, families and businesses.

Insurance is one of the most misunderstood and maligned products you can find anywhere.  Insurance agents are often the butt of many jokes and are considered by some to be a step above used car salespeople and a step below attorneys (apologies to my car dealer and attorney friends)!

Charlatans like Bernie Madoff don’t make it any better.  As a result of his criminal activities and the few others like him (I call them #mini-madoffs), people are naturally on guard when considering the purchase of these financial products.  That’s too bad because, the vast majority of the industry is populated with excellent, well-informed professionals with nothing but the best interests of their clients at heart.

So, where is someone to turn to for legitimate, impartial information about things like:

  •       #LifeInsurance
  •       #Annuities
  •       #LongTermCare Insurance
  •       #Disability Insurance, etc.

I hope our show can help.  We will explain the myriad of choices found with these products and how you can apply your new found knowledge to your life situations.  Big things such as:

  •  #Retirement
  •  #Estate planning
  •  #College planning
  •  #Inheritance planning
  •  #Business applications
  •  #ElderFinancialAbusePrevention
  •  #SpecialNeeds planning and so much more

Water cooler conversation and what you heard from your cousin Vinny at the family picnic will simply not do. 

Feel free to use our show as your #DirtyLittleSecret as to why you are the smartest insurance person in the room.

Many people are shy or embarrassed to ask questions insurance.  They think they will look stupid or are the only ones that don’t know the answer.

Nothing could be further from the truth.  EVERYONE needs expert information when it comes to the subject of #Insurance.  Listen to Wicked Insurance Matters with Greg Durette on 10/07 and get informed.

2 Comments

New Show Announcement - How to Choose the Right Kind of Life Insurance for You!

10/2/2015

3 Comments

 
Please tune in to my upcoming show this Wednesday at 9:30am eastern time when I will discuss all you ever wanted to know about life insurance with special guest, Seth Legatowicz of Independent Planners Group!

http://www.blogtalkradio.com/wickedhousewivesofcapecodtoo/2015/10/07/greg-durette-with-wicked-insurance-matters-choose-the-right-life-insurance
3 Comments

Listen to the Debut Installment of Wicked Insurance Matters with Greg Durette Radio Show!

10/1/2015

0 Comments

 
We are very excited to have successfully launched our weekly radio program and had so many listeners right out of the gate!  Take a moment to listen to the show here and let me know what you think!

Greg Durette with Wicked Insurance Matters: Financial Insurance






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    Greg Durette

    Future Secured Financial

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© Copyright 2024 Future Secured Financial. All rights reserved. The information presented is general in nature and not intended to be a complete explanation of the subject matter or a substitute for careful personal planning and research. In some instances the material specifically refers to elements of federal tax laws and regulations. The impact of any state or local taxes should also be considered. Future Secured Financial and/or or any of its affiliates are not engaged in rendering legal, tax, investment or accounting advice. Legal, tax, investment and accounting advice applicable to your own situation should be obtained from a qualified professional in said profession.  Future Secured Financial FL license #L097037. Gregory P. Durette FL license #E102523.  Please contact us for licensing information for other States throughout the country.

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