The Growing Trend of Nonretirement

Ah, retirement: The reward for a lifetime of hard work and savings. That’s the American dream, but the reality is 58 percent of American workers now expect to retire after age 65 or not at all, a new Transamerica Center for Retirement Studies’ report found. Many cite reasons related to income and benefits. “Most plan…

Disability Income Insurance Protects Your Most Valuable Asset

Most people don’t plan for a debilitating accident or illness during their working years. But three in 10 workers entering the work force today will become disabled before retiring. And only five percent of disabilities are work-related—meaning 95 percent of people with disabilities will not qualify for workers’ compensation benefits. Most of us know people…

Critical Illness Fills a Benefits Gap

Sales of critical illness insurance grew 90 percent (in premiums) between 2011 and 2012. Yes, 90 percent. Perhaps it’s time to consider adding critical illness insurance to your benefits portfolio. Critical illness plans have only been available in the U.S. since the mid-1990s. They were rather slow to take off at first, but the growth…