Yearly Archives: 2015


More Life Insurance For Kids

I recently wrote this blog post, Life Insurance for Kids—Really? and in the article I discussed why it might not be so crazy to get life insurance for a child. For example: Barring extraordinary circumstances, life insurance protection on a child is inexpensive. Assuming that there are no health issues when applying for life insurance [...]

By | December 31st, 2015|Insurance Tips|3 Comments

Life Insurance For Kids…Really?

If you have visited my site before and read my blog, you’ll know that the whole purpose of The Insurance Problem Solver is to make insurance understandable and usable for you. I am here to try to anticipate your questions, to answer them, and to generally be your guide through the interstices (a $10 word [...]

By | December 29th, 2015|Insurance Tips|5 Comments

Holiday Parties And Insurance Liability

If there were ever a time for parties, we’re upon it. House parties for Christmas, Chanukah, New Year’s Eve, New Year’s Day, Super Bowl, Kwanzaa, and more. All for fun? Yes, all for fun. Always fun? No, not always. Risk abounds. Risks of Holiday Parties And Premises Liability I, The Insurance Problem Solver, want to [...]

By | December 17th, 2015|Insurance Tips|0 Comments

7 Primary Types Of Annuities

In the first post I wrote on annuities, I explain the difference. Here, I’d like to explain briefly about the various types of annuities so you can continue learning how to secure your financial future, or become more comfortable with the options you have. An annuity is a financial product issued by an insurance company. Therefore, it is “risk-bearing.” […]

By | December 9th, 2015|Planning For Retirement|0 Comments

HIPAA And Health Insurance Implications

HIPAA is the acronym for a broad body of federal law, The Health Insurance Portability and Accountability Act that has existed since 1996. Because it is a federal law it applies in all states. Like many laws, HIPAA covers several topics. Some of them are not directly connected with each other, but there are some that have common threads. One of the threads ties together health insurance, the delivery of health care services, and the confidentiality and sharing of personal medical information. That’s the one we will discuss here. Interestingly, HIPPA does not now apply to life insurance, long-term care insurance, or various other kinds of insurance that implicate a person’s health condition. […]

By | December 4th, 2015|Health Insurance|1 Comment

Being Compassionate About Insurance

Those are not words that are often uttered in the same breath. But maybe there is a connection. To see it, one has to look beyond the strict business of insurance. As I have said so often before, insurance is, above and beyond all else, protection. Sure, there are many business uses for it, like [...]

By | November 24th, 2015|Insurance Tips|0 Comments

Do You Have Fake Insurance?

You might have fake insurance and not know it. Understanding, buying and using insurance is complicated and confusing. That’s why I created The Insurance Problem Solver. My goal is to explain it to you and to run interference if you need help. I’m not the smartest guy in the room; hell, I can’t change the [...]

By | November 17th, 2015|Insurance Tips|2 Comments

How Health Insurance Co-Ops And Politics are Aligned

Politics, such as the Affordable Care Act, of which insurance co-ops are a part, is a hobgoblin of complex and mathematical stuff like insurance. Politicians, although sometimes well-meaning, practice politics, and they often pursue public or private agendas that do not square with reality. That’s not news to most people. The Affordable Care Act permitted, no, mandated, the establishment of health insurance co-ops by the states, in the absence of which individuals could turn to the federal government’s marketplace. Given the solvency issues of nearly half of the state health insurance co-ops, it is not unlikely that at least some of the others will move to the federal marketplace to avoid the complications of running a state co-op. […]

By | November 12th, 2015|Health Insurance|0 Comments

Comparing Health Insurance Co-Ops To Cheeseburgers

hamburger Health insurance co-ops are a bulwark of the 2010 Affordable Care Act and have starred in the news lately but for all of the wrong reasons. As of this writing, 10 of 22 of them have financially collapsed and more are waiting in the wings to do so. In everyday language, they are bankrupt. Insolvent. Kaput. The reason is at once simple and complex, so some background is necessary. […]

By | November 10th, 2015|Health Insurance|3 Comments