Life & Health Insurance Advisor – Winter 2025
Medicare Drug Coverage Is Changing—Here’s What You Need to Know This Enrollment Season
If you or a loved one relies on prescription medications, the 2026 Medicare Open Enrollment period (Oct. 15–Dec. 7, 2025) brings major updates that could impact your coverage, costs, and choices. From new caps to evolving formularies, here’s how to stay ahead of the curve. Read on for details.
Aging Alone: Why Long-Term Care Planning Matters More Than Ever
More than 16 million Americans over age 55 are aging alone—without a spouse, partner, or adult children to help navigate health challenges, daily tasks, or financial decisions. This “solo retirement” trend is accelerating, and with it comes a critical question: Who will help if you need care? Read on for details.
Never Outlive Your Savings: How Longevity Annuities Can Help
Americans are living longer than ever. According to the Centers for Disease Control and Prevention, the average 65-year-old today can expect to live at least another 20 years—six years longer than in 1950. While that’s great news for your golden years, it also raises a critical question: Will your retirement savings last as long as you do? Read on for details.
Traveling Abroad with Medicare: What You Need to Know
If you’re a Medicare recipient planning an international trip, it’s important to understand how your coverage works outside the United States. While Medicare offers excellent protection at home, its international benefits are extremely limited—and that can leave travelers vulnerable to unexpected medical costs. Read on for details.
Life & Health Insurance Advisor – Fall 2025
What the “One Big Beautiful Bill” Could Mean for Your Health Insurance
A new law passed by Congress—the One Big Beautiful Bill Act (OBBB)—includes several changes that may affect how Americans access and pay for health insurance. While the law covers a wide range of budget and policy areas, it also introduces updates to Medicaid, the Affordable Care Act (ACA) Marketplace, and Health Savings Account (HSA) rules that could influence your coverage in the coming years. Read on for details.
What Are Living Benefits in Life Insurance—and Why They Matter
Most people think of life insurance as something that helps their loved ones after they’re gone. But did you know that some life insurance policies can also help you while you’re still alive? Read on for details.
Why Human Guidance Still Matters in a Digital World
In today’s world of apps, algorithms, and instant quotes, it’s easy to assume that insurance and financial decisions can be made with just a few clicks. But more and more people are discovering that when it comes to protecting their health, family, and future, human guidance still matters. Read on for details.
2025 HSA Tips That Can Save You Money
Health Savings Accounts (HSAs) are more powerful than ever in 2025. Here’s how to make the most of yours:
1. Know the Limits
You can contribute up to $4,300 if you have individual coverage, or $8,550 for family coverage. If you’re 55 or older, you can add an extra $1,000.
Read on for details.
Life & Health Insurance Advisor – Summer 2025
How Disability Insurers Are Streamlining Efficiency with Technology
The disability insurance industry is undergoing a significant transformation, driven by advancements in artificial intelligence (AI), telehealth, and simplified underwriting. These innovations are enhancing the efficiency of policy approvals, improving access to claims assessments, and reducing costs by minimizing fraudulent claims. Read on for details.
Medicare Costs and the Push for Long-Term Sustainability
Medicare remains a critical lifeline for millions of Americans, but rising healthcare costs and regulatory changes are putting significant pressure on its funding. As policymakers grapple with these challenges, new regulations are reshaping benefits and premiums, while legislators explore long-term solutions to ensure Medicare remains viable for future generations. Read on for details.
Cybersecurity in Retirement Accounts: Safeguarding Savings from Fraud and Cyber Threats
As digital financial systems become more advanced, the cybersecurity of retirement accounts is an increasingly urgent concern. With trillions of dollars invested in 401(k) plans, IRAs, pensions, and annuities, cybercriminals are targeting retirement funds more aggressively than ever. Read on for details.
Six Healthcare Trends That Could Save You Dollars
In an era of rising healthcare costs, staying ahead of industry trends can make a real difference in how much you spend on medical care. Whether it’s smarter insurance pricing, expanded telehealth options, or AI-driven fraud prevention, small shifts in the healthcare system are creating opportunities for consumers to cut expenses without sacrificing quality.Read on for details.
Life & Health Insurance Advisor – Spring 2025
What’s New for Medicare in 2025?
In 2025 several important changes and updates are being introduced to the Medicare program that will impact beneficiaries, providers, and insurers. These updates aim to address ongoing healthcare challenges, improve access to essential services, and make healthcare more affordable for older adults and those with disabilities. Read on for details.
5 Ways to Tell If You’re on Track for Retirement — and 5 Things to Do if You Need to Catch Up
Retirement planning is a vital part of financial wellness, but how do you know if you’re on track? Here are five ways to assess your progress, followed by five expert-recommended strategies to catch up if you’re falling behind.Read on for details.
Why Life Insurance is a Must-Have for Homeowners
Owning a home is one of the largest financial commitments many individuals or families will ever make. Regardless of whether the household consists of young children, couples, or single occupants, life insurance is a crucial financial tool for protecting this investment and providing peace of mind. Read on for details.
The Digital Shift in Healthcare: Embracing Telehealth and Virtual Care
The healthcare industry is undergoing a significant transformation as more services transition to digital platforms, prioritizing telehealth and virtual care. This shift is driven by advancements in technology, the need for accessible care, and the convenience it provides for both patients and providers. Read on for details.