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There are three parts to Medicare and two of the three will charge you a monthly premium. Medicare Part B carries a monthly premium of $88.50 in 2006. Part D premium amounts vary by the plan you choose Part D plans average around $35 per month. Both Medicare Part B and D have annual deductibles that you must meet. Do you really have to pay all these expenses?

If your spouse works and can cover you under a group health plan that is due to their employment, you can decline the Medicare Part B coverage. Declining this coverage will save you the $88.50 each month. As long as you are covered by a group health plan from your spouse s employment you will not be penalized for dropping Medicare Part B. If you do not have other health insurance and are under the age of 65 you can still decline Medicare Part B. When you turn 65 you will get another chance to enroll without a penalty.

If neither of these circumstances apply to you and you drop Medicare Part B, Social Security will charge you a pr (more...)

Do You Own A Life Insurance Policy That You No longer Need or Want?
It is possible that you may be able to can get a CASH settlement in excess of the
current cash surrender value by selling your policy in the secondary market to an
investor.

Reasons To “Sell” A Policy:

Family Situations
Bankruptcy
Estate Reduction
Estate Tax Revision
Business Was Sold
1035 Exchange
Drain On Income
Divorce - Separation
Death of A Spouse
Retirement
Declining Health
Non-Performing Policy
Wealth Planning
Work Related Changes

Qualifying Types Of Life Insurance:

Group
Whole Life
Term (Convertible)
Joint
Universal
Variable
Key Man (business related)

Who Is A Qualified Candidate?

Mature men and women over age sixty-five years of age who have an existing life
insurance policy and whose circumstances have changed since purchasing the policy
(more...)