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Financial Adviser FinTech Solutions Map

5/31/2018

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Findings From a Life Insurance Mystery Shopper

5/30/2018

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Forrester Consultant Ellen Carney recently played the role of a mystery shopper to see how easy – or hard – it was to buy life insurance online from seven carriers. The results she found may surprise you. Turns out, while the surveyed carriers get buyers started with a fast, easy online quote, their follow-up and customer service leave a lot to be desired.

Let’s take a look at what Carney experienced and the lessons we can learn from them as independent agents and brokers. These results are all published in the report titled “The Forrester Life Insurance Wave™: US Sales Websites, Q2 2018.”

The Test
In all seven tests, Ellen Carney tried to buy term life insurance with the following details: a 36-year-old married mother of two kids with a working husband. The carriers she tested were New York Life, John Hancock, Lincoln, Ladder, Northwestern Mutual, Prudential, and Mass Mutual.

She created 11 categories to rate her experience with each carrier. At the end of the process, each carrier had an aggregate score represented as a point total scored in each category.

The Results
Of the seven carriers tested, Mass Mutual scored the highest with 66 points. Prudential and Northwestern Mutual round out the top three. New York Life scored only 33 points, the lowest of the group. You can see the seven carriers ranked here on InsuranceNewsNet.

Getting a quote turned out to be the easy part. According to Carney, things often fell apart after that. Once she gave them the data needed for a quote, some of the carriers never followed up with her. Others had agent finders that were difficult to use. In some instances, the digital process was difficult to complete, with no help readily available. Other times, it wasn’t even clear what was happening with regard to approvals and underwriting.

In short, the experience often left the consumer confused with no easy way to get help.

As an independent life insurance agent, we will ensure you have a very smooth experience from beginning to the end, and you have no cost or obligation during the entire process!

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2 Websites For Retirees Who Seek Freelance Opportunities

5/29/2018

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What if you had an early retirement but it ended up being bored?

This New York Times article discusses this problem and suggests two websites you could explore as a freelancer for consulting or other opportunities.
  • Upwork
  • Patina Solutions (for more experienced business professionals)
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Can I Get Life Insurance With Colitis and Crohn's Disease?

5/28/2018

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Q. I have colitis and Crohn's disease, can I still get life insurance and what class will I get?

A.
The insurance company's underwriter is going to ask you a few questions, such as:
  • What was the age of diagnosis?
  • What is the severity? Would your doctor characterize it as mild/moderate/severe?
  • When was the last flare-up? What is the frequency of the episodes?
  • What is the specific type of GI issue? How is it treated?
  • How much of the GI tract is involved?
  • Any surgeries done or being contemplated?
When underwriting UC or Crohn’s disease, the underwriter is going to consider a number of factors in determining the rating class.  These include current status, the extent of colon involvement, time since diagnosis, treatment, complications, and results of recent colonoscopies.  

What Underwriting Class May I Receive?
You can expect offers of Standard Plus or Standard on the milder cases, with good follow-up and limited colon involvement. Low to moderate table ratings should be expected for more moderate cases of chronic ulcerative colitis and Crohn’s disease.  Severe cases with significant and frequent episodes of inflammation may lead to a postponement until further treatment.  Underwriting any form of intestinal disorder can be positively impacted by good nutritional habits, use of vitamin supplements, regular exercise, and good weight control.  A cover letter should address any positive lifestyle habits or additional information you’d like the underwriter to know.

Please contact us if you need help with your life insurance needs.



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An Auto Report That You Should Check Periodically

5/27/2018

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Q. My auto insurance premium increased a lot, however I haven't had any accident or received any tickets, is there anyway I could find out why?

A.
There is one report you could check to find out why, because there could be an error in that report, it's call CLUE report.

Just like your credit report that contains your credit details, the CLUE report contains your driving history.  It is a database maintained by LexisNexis Risk Solutions, most auto insurance carriers provide claims data to it.  Inside the report, there is a field called the Fault Indicator, it is where the insurer indicates who was at fault for a particular accident.  The accuracy of that indicator is critical because auto insurers determine your premium based on it.

You could request a copy of your CLUE report from your insurance carrier or directly from LexisNexis Risk Solutions, check all parts of it for accuracy, especially the Fault Indicator field.

If you find an error, request a correction in writing. Write both to your insurer and to LexisNexis Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108.
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10 Ways to Save on Auto Insurance

5/26/2018

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Q. What are the possible ways I could save on auto insurance premium?

A.
 ​Here are 10 tips to help you save on auto insurance bill.

1. Raise your deductible.
Instead of forcing the insurer to pay claims in excess of $500, change your policy so that you pay the first $1,000. This will reduce your collision and comprehensive premiums significantly. By not filing small claims, you also avoid the risk of being charged higher premiums or even having your policy canceled.

2. Drop collision and comprehensive coverage on older cars.
If your car is worth less than $1,000, the cost for collision coverage could be more than what you’d recover if the car were in a crash. Use a site like Kelley Blue Book to determine your car’s value. But make sure that you keep your auto liability coverage.

3. Ask about discounts.
Many carriers reduce their prices if you buy coverage for two or more cars or if you buy homeowners coverage from them as well. You can also get discounts if your car has antilock brakes, air bags, automatic seat belts, alarms or antitheft devices, or if you complete a driver education course. Some discounts are also available if you are a member of certain professional, business or alumni associations, so ask your association and also check with your insurer.

​4. Manage the cost of insuring teen drivers.
It costs more to insure young drivers, but some insurers reduce their rates for good students, students who go to school more than 100 miles away from home and don’t take a car with them, or teenagers who have completed defensive driver classes. You may also save money by “re-garaging” a car if your child takes his or her car to school in a town where car insurance rates are lower.

5. Pay your bill once per year.
Insurance companies let you pay in monthly or quarterly installments, but you’ll pay more than if you pay the entire bill once each year.

6. Don’t duplicate coverage.
If your credit card or association membership offers towing and roadside assistance, don’t pay your insurance company to provide these benefits.

7. Drive less.
The fewer miles you drive each year, the lower your premium. And if you don’t drive to work, your costs will be even less. Make sure that your insurer knows how many miles you drive and prices your policy accordingly.

8. Park in a garage.
Cars stored in protected environments are less likely to be stolen or hit by other cars. Tell your insurer if you park in a garage and see if you can get a price break as a result.

9. Maintain good credit.

Insurance companies believe that people who are responsible with their money are more likely to be responsible drivers. A good credit record can translate into lower premiums.

10. Don't let other people’s driving records affect your rate.
Believe it or not, other drivers’ past behavior influences your insurance rate. That’s because insurers track the average insurance claim for every car make and model, and they use the data to help determine their rates. If drivers of a specific vehicle tend to have more accidents, incur more frequent or higher claims, or have their cars stolen more often, insurance companies will charge higher rates for everyone who drives the same type of car.

So if you’re in the market for a new car and serious about keeping car insurance costs low, check out the Highway Loss Data Institute’s data. Or simply ask your insurer for a price quote before you decide which model to buy.

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3 Ways to Cover Your Long Term Care Needs - Part B

5/25/2018

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In our last blogpost, we showed two couples who are considering long term care needs.  Now we will compare their costs under 3 different options -

Option 1. Self-Insure (Invest) for Your Long Term Care Costs  
If the Millers each invest $1,817 ($3,634 combined) for one year and earn 7% (before taxes), they will immediately have a combined $3,634 available for LTC costs.  If they invest a combined $90,850 ($3,634 X 25) over 25 years and earn 7% per year (before taxes), they will have a combined $245,936 available for LTC costs.  Unfortunately, self-insuring (investing) provides a fraction of the leverage insurance provides.  See the chart below.

Option 2. Insure for Your Long Term Care Costs with Traditional Long Term Care Insurance
The Smiths can purchase a Traditional Long Term Care Insurance policy with a $300 per day benefit and a five year benefit multiplier (minimum years of care).  After the Smiths each pay $1,817 ($3,634 combined) for one year, they will have a combined $1,095,000 (tax free) available for LTC costs.  If they pay a combined $90,850 ($3,634 X 25) over 25 years, they will have a combined tax free $1,095,000 available for long term care costs.  Fortunately, insurance provides a multiple of the leverage self-insuring (investing) provides.  See the chart below.
​

Option 3. Insure for Your Long Term Care Costs with Combination Life and Long Term Care Insurance
The Smiths can purchase a Combination Life and Long Term Care Insurance policy with a $300 per day or $9,000 per month benefit and a Lifetime of care.  After the Smiths pay a combined $135,000 ($67,500 each), they will have a combined tax free Lifetime (Unlimited) amount available for LTC costs.  They also gain a $225,000 tax free death benefit when the second person dies, assuming the policy’s LTC benefits are unused.  Fortunately, insurance provides a multiple of the leverage self-insuring (investing) provides.  See the chart below.


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3 Ways to Cover Your Long Term Care Needs - Part A

5/24/2018

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Q. I am concerned about my long term care needs, but also concerned about the high long term care insurance costs.  What should I do?

A.
According to the U.S. Department of Health and Human Services, 7 in 10 people over the age of 65 will require long term care.  This compares to a 1 in 340 chance of a major auto accident and a 1 in 1,200 chance of a total loss from a fire.  About half the people reaching the age of 65 are expected to enter a nursing home at least once in their lifetime.

The 
cost of long term care is expensive.  The median cost of a private room in a nursing facility is $7,500 per month, an assisted living facility $3,600 per month and home care $3,800 per month.  If you are 55-years-old expect to pay almost three times those amounts when you are likely to need care 25 years from now at the age of 80. Based on the average nursing home stay, total costs are expected to reach approximately $720,000 per person — easily wiping out a lifetime of savings for many families.

So, what should you do?  You have 3 ways to cover your long term care needs.  

1. Self-insure
2. Purchase long term care insurance
3. Purchase long term care and life insurance combo


Let's use numbers to illustrate -

Two 55-year-old couples: the Millers choose to self-insure (invest) for their long term care costs, while the Smiths choose to insure.  Unfortunately, each couple will likely need long term care for 5 years in a combination of locations; including a nursing home, an assisted living facility and their own home.  The only saving grace is that their costs may only run at $300 per day or $9,000 per month per person.

In our next blogpost, we will compare the three options' advantages and disadvantages.


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How Patience Pays When Collecting Social Security Payment

5/23/2018

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Q. I know wait to collect social security payment pays, but to what extent?

A.
Assume you are a single worker born after 1960 with average annual salary of $60,000, at age 67, you can collect $2,000 a month.  But what if you collects prior to or after age 67?  The numbers below shows patience pays -

Monthly Payouts     Claiming Age
$1,400                        62 years old
$1,500                        63
$1,600                        64
$1,733                        65
$1,866                        66
$2,000                        67
$2,160                        68
$2,320                        69
$2,480                        70
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2 Steps to Vet a Financial Adviser - Part 2: the Background Check

5/22/2018

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In our last blogpost, we discussed what questions to ask when interviewing a financial adviser.  Now we will discuss how to do a background check on the financial adviser you will hire.

Step 2. The Background Check
There are a few places you can visit to conduct background checks of a financial planner or investment adviser.

Letsmakeaplan.org
You can verify a planner's certification as a CFP at this site.  You can also see any information on the planner's disciplinary history with the CFP Board and on bankruptcy filings in the past 10 years.

Investor.gov
You can search an investment adviser's name at this site and click on "Detailed Report" to see information on qualifications, employment history, disciplinary actions by regulators, criminal convictions and other details.

Brokercheck.finra.org
You can search an individual's or a firm's name to get such details as years of experience, licensing, exam passed and regulatory actions.
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2 Steps to Vet a Financial Adviser - Part 1: the Interview

5/21/2018

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Q. How do I vet a financial adviser?

A.
Follow these two steps and you will find one who is reliable and experienced to work with.

Step 1. Interview Several Advisers
You need to talk to a few financial advisers before settling on one.  Here are some of the questions you need to ask when interview a financial adviser -
  • What are the adviser's credentials?
  • How many years has the adviser has been in business?
  • What services does the adviser offer?
  • Is the adviser a fiduciary?
  • What specialties does the adviser offer?
  • Has the adviser worked with clients like you?
  • What is the adviser's minimum investable asset requirement?
  • How will the adviser charge you for the service?
  • Will the adviser be paid commissions?  If yes, on what types of products.

In our next blogpost, we will discuss part 2 - conduct background checks.
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4 Steps to Prevent Identity Theft on Your Own

5/20/2018

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Q. The identity theft protection plans on the market are very expensive, is there an way I can do it myself in a low cost way?

A.
Yes, you can piece together the features of the fee-charging ID Theft Protection program by yourself, free or with low cost -

Step 1. Freeze or Lock Credit Report
This prevents new lenders from viewing your reports, and it should block thieves from opening new credit accounts in your name.  All the three major credit reporting agencies should allow you ot place or lift a freeze or lock free.  Freeze has stronger legal protection.

Step 2. Monitor Your Report
Sign up Credit Karma which will show you your Equifax and TransUnion reports on a weekly basis and alert you to changes in those reports.  If you are a Discover or Mastercard holders, you can sign up for free monitoring through them.

Step 3. Set Up Alerts
A credit freeze or lock won't stop a crook from fiddling with your existing credit card or financial accounts.  So it is important to set up alerts to spot unusual activity in those accounts.

Step 4. Get Free Help
If you become a victim of ID fraud, you can browse recovery steps at the FTC's IdentityTheft.gov site and generate a tailored remediation plan and print sample dispute letters.  Another resource is the Identity Theft Resource Center which posts guides to recovering from ID theft (including fixing problems that result from lost wallet and correcting misinformation on medical records), as well as links to state resources.  Don't forget to ask your credit card issuers for help too.
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Can I Undo Roth IRA Contribution Under New Tax Law?

5/19/2018

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Q. I know I can't undo a conversion from traditional IRA to Roth IRA, what if I found my income too high after contributing to Roth IRA?

A.
Even you cannot recharacterize a traditional IRA conversion to Roth, you can still recharacterize a Roth contribution and move the money to a traditional IRA.

You can simply ask your IRA administrator to move your Roth contribution and any earnings on it (the Roth administrator will calculate it) into a traditional IRA before the deadline to file your tax return for the year of your contribution.

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A Scoring System to Determine if You Are Ready to Buy a Home

5/18/2018

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Q. How do I determine if I am ready to buy a home?

A.
Try to answer the following 10 questions to determine if you are ready to buy a home:
  • Are you sure you want to buy a home? Yes = 1 point.
  • Do you anticipate any large expenses in the next two years, such as buying a car or having kids? No = 1 point.
  • Do you expect to stay in your current job for the next two to three years? Yes = 1 point.
  • Do you expect your job to stay in the same location for the next three to five years? Yes = 1 point. (Is your employer thinking of relocating? How do you know until you ask?)
  • Do you know how much you can realistically afford to pay for housing? Yes = 1 point.
  • Do you have a favorable credit record? Yes = 1 point.
  • Do you have enough money for the down payment and closing costs? Yes = 1 point.
  • Have you been prequalified for a mortgage so you know how much you can borrow? Yes = 1 point.
  • Will your existing debt reduce your ability to qualify for a mortgage? No = 1 point.
  • Is the amount you can borrow enough to enable you to buy a home you can truly enjoy? Yes = 1 point. (Don’t settle for something you don’t love, for you could well live in your home for a very long time.)
If you scored 8 points or more, you’re ready to buy a home.
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Foreign National Questionnaire For Non-US Citizen or Non-GreenCard Life Insurance Applicants

5/17/2018

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Q. I have H1b status, can I get life insurance in the U.S.?

A.
For non-US Citizen or non-Green Card life insurance applicants, all insurance companies will treat your application on a case by case basis, depending on your answers to foreign national questionnaire below.  It is possible to get Preferred or even better underwriting class offers -
  • What country are they a citizen of?
  • How long have they been in the US?
  • Date of entry (mo/yr) to the US? 
  • What specific form of VISA are they here on? 
  • Have they applied for permanent residency? 
  • If so how far along are they? 
  • Are they married to a US citizen? 
  • Or have children, born here in the US? 
  • Do they own any property or business here in the US?
  • Occupation/income? 
  • Plan to stay here permanently?
  • Any foreign travel planned, back home?...or to anywhere else of possible concern? 
  • Face amount and plan type you’re considering?

Please contact us if you are in such a situation and are interested in applying life insurance in the U.S., we have helped many clients who are neither US citizen nor Greencard holders.

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3 Common Issues and Solutions When Taking Over A Loved One's Finances - Part C

5/16/2018

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In our last blog post, we discussed which assets and expenses you need to collect about your loved one, now we will discuss common issue 3.

Part C - Special Designations to Deal With Social Security and Veterans Benefits
A POA is not enough for you to manage your loved one's social security payments and provide information to the Social Security Administration, instead, you need a "Representative Payee" designation  To get it, you must complete Form SSA-11 and apply in person at your nearest SSA office.

Similarly, to manage your loved one's veterans benefits, you must apply to be a "VA fiduciary".  To do so, you need to submit a written request with your loved one's name and VA file number at your nearest regioinal VA office.

You can download the guide "Managing Someone Else's Money: Help for Agents Under a Power of Attorney" from the Consumer Financial Protection Bureau's website.  It includes tips on avoiding financial scams and hiring an accountant, attorneys and other professionals to help your loved one!
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3 Common Issues and Solutions When Taking Over A Loved One's Finances - Part B

5/15/2018

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In last blog, we discussed the 3 most important papers you need in order to take over your loved one's finances.  Now we will discuss the second common issue -

Part B - Organized Your Loved One's Finances
As an agent of your loved one, you need to find all the financial information you need which include -
  • All bank and brokerage accounts
  • Social security payment information
  • Retirement benefits statements for pensions and retirement accounts such as 401k, IRA, etc.
  • Copies of insurance policies, including health, life, disability, long term care, auto, and homeowner's policies

You can look at your loved one's tax return to review the interest and capital gains reported to IRS to find out any financial accounts missing.

Next, you need to gather all the expense information of your loved one, which include:
  • Monthly bills for medical care, credit cards, other basic living expenses such as food, utilities, etc.
  • Your POA provides you the authority to contact local utilities and other creditors to get information.
  • To see if your loved one qualifies for any benefits program, visit https://www.benefitscheckup.org/

In our next blog post, we will discuss common issue Part C.
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3 Common Issues and Solutions When Taking Over A Loved One's Finances - Part A

5/14/2018

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Q. What steps I should take to prepare for taking over my parents' finances as they are getting old?

A.
There are 3 common issues you will likely discover, we will discuss them one by one and offer suggestions for you to follow.

Par A - Obtain Legacy Authority to Handle Their Finances
3 papers are typically needed:

Durable Power of Attorney (POA)
This is the most important document you will need in order to become your loved one's financial caregiver.  It will declare you as the person's "agent" and provide the legal authority for you to sign tax returns, write checks, sell assets, etc.

It might cost $150-$250 to have an attorney draft a POA, this will be money well spent as you could ask the attorney to draft specific specific, such as if your loved one wants to transfer assets to a spouse and/or children while he is alive, you may need a gifting provision which is not included in a standard POA.

If multiple siblings are serving as agents, consider writing POA to specify that each of you can act independently.  Also, keep in mind that rules goer POAs vary from state to state.

Will
Help your loved one create a will if he doesn't have one or update an existing one.  If you help with a will, be careful that you don't open yourself up to accusations that illness or frailty made the incapacitated person susceptible to your "under influence" in shaping the will in your favor.

Healthcare POA
This will make you the person to make health care decisions for the loved one.  To do so, you will need to set up a separate health care POA with your loved one's attorney and a living will, which directs doctors about end-of-life medical care.

In next blogpost, we will discuss Part B of comments and solutions related taking over a loved one's finances.


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Donation Sites for Appliances, Cellphones, Books, and Shoes

5/13/2018

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Where to donate -

Appliances, building materials, furniture, etc -
  • https://www.habitat.org/

CellPhones -
  • https://www.cellphonesforsoldiers.com/

Books -
  • http://operationpaperback.org/

Shoes -
  • https://soles4souls.org/

0 Comments

Save On Travel Related Costs

5/12/2018

1 Comment

 
If you want to save on travel related expenses, you need to try new and less known booking sites, here are a few of them:

Flight deals -
  • https://www.rome2rio.com/
  • https://www.momondo.com/
  • http://www.secretflying.com/
  • https://www.theflightdeal.com/

Hotel deals -
  • https://www.jetsetter.com/
  • https://hotels.boxed.com/
1 Comment

Growth of $1 Investment - From 1926 to 2017

5/11/2018

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Retirement Plan Limits Changes From 2017 to 2018

5/10/2018

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Q. How the various retirement plans' contribution limits changed from 2017 to 2018?

A.
Please see table below that summarizes retirement plan limits -
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Missing Top Performing Days in Stock Market Will Hurt You Badly

5/9/2018

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The graph below shows how a hypothetical $100,000 investment in stocks would have been affected by missing the market’s top-performing days over the 20-year period from January 1, 1998 to December 31, 2017.

For example, an individual who remained invested for the entire time period would have accumulated $400,768, while an investor who missed just five of the top-performing days during that period would have accumulated only $265,866.
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Life Insurance 101 Video

5/8/2018

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Invest in Anticipation of Higher Market Volatility - European Stocks

5/7/2018

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If you are worried about the higher volatility of US stocks, you could consider increasing exposure to European stocks!

The European recovery only began 4 years ago, and it started to accelerate in 2017.  Europe offers cheaper stock valuations with a forward-PE ratio of 14 versus 17.5 for the S&P 500.  Also, the inflation rate is just 1.3% and the European Central Bank has pledged to keep interest rates near zero.

What to invest now?
You could consider investing in Wisdom Tree Europe Hedged Equity Fund (HEDJ), it provides exposure to about 130 stocks of companies with strong cash flow and dividend yields in countries that use the euro.  The fund also hedges its currency exposure which minimizes the effect of currency swings on share price.

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