Insurance & Retirement Income Blog | Diversified Insurance Brokers
What If You’re Denied Life Insurance? Here’s What to Do Next
Being declined for life insurance isn’t the end—it’s a signal to explore high-risk or specialty carriers.
Can You Still Get Long-Term Care Insurance After Age 60?
It’s not too late to secure long-term care coverage, but your age, health, and strategy matter more than ever.
Why Fixed Annuities Are the Hidden Gem of Retirement Planning
Fixed annuities offer stability and guaranteed returns, yet many retirees overlook them in favor of riskier strategies.
What Is Special Needs Life Insurance and Who Needs It?
Special Needs Life Insurance helps families plan for the long-term care and financial security of a loved one with a disability.
Should You Annuitize or Use an Income Rider? Key Differences Explained
Understanding the difference between annuitization and income riders is key to building predictable retirement income.
Are Annuities a Smart Move When Interest Rates Are High?
High interest rates can make fixed annuities more attractive—but timing and contract selection are key.
Should You Consider a Lifetime Income Rider on Your Annuity?
A lifetime income rider can turn your annuity into a guaranteed income stream you can’t outlive—without giving up control of your assets.
Why More Retirees Are Choosing Multi-Year Guaranteed Annuities (MYGAs)
MYGAs offer guaranteed interest, tax-deferred growth, and zero market exposure—making them a favorite for conservative retirees.
How 1035 Exchanges Work in Annuity Planning
A 1035 exchange lets you move from one annuity to another—tax-deferred—when your financial needs change.
Should You Use a Fixed Indexed Annuity for Growth and Income?
Fixed indexed annuities offer protection, growth potential, and the option for guaranteed income.
Do You Need Life Insurance If You’re Single with No Kids?
Even if you’re single and child-free, life insurance can still serve important financial purposes.
When Should You Start Taking Social Security Benefits?
The age you claim Social Security can impact your lifetime benefits by tens of thousands of dollars.
What to Know Before You Enroll in Medicare
Understanding Medicare before you enroll can help you avoid costly gaps and coverage mistakes.
What Is Accidental Death Insurance and Who Needs It?
Accidental death insurance offers affordable protection for unexpected tragedies—and peace of mind for your family.
How to Use a Roth Conversion with an Annuity for Tax-Free Retirement Income
Roth conversions paired with annuities can help you create tax-free income and reduce your RMD exposure in retirement.
The Power of Laddering Fixed Annuities for Retirement Income
Laddering fixed annuities creates predictable income while maintaining access to your savings over time.
Common Mistakes People Make When Buying Life Insurance
Avoiding these mistakes can save you thousands—and help ensure your family is truly protected.
How Indexed Annuities Work and Who Should Consider Them
Fixed indexed annuities offer the potential for growth linked to the market—without risking your principal.
Understanding Multi-Year Guaranteed Annuities (MYGAs)
MYGAs offer guaranteed rates with no market exposure—making them ideal for conservative investors.
Do I Still Need Life Insurance in Retirement?
Many retirees think they no longer need life insurance—but that’s not always true.
The Role of Buy-Sell Life Insurance in Business Continuity
A properly funded buy-sell agreement can save your business if a partner or owner dies unexpectedly.
How Short-Term Health Insurance Can Bridge the Gap Between Coverage
Short-term medical insurance offers fast, affordable protection when you’re between major plans.
What Is Key Person Insurance and Does Your Business Need It?
If your business would struggle to survive the loss of one person—you need key person life insurance.
Is Long-Term Care Insurance Worth the Cost?
With care costs rising, many families wonder if LTC insurance is still a smart investment.
When Does It Make Sense to Use a Bonus Annuity?
Bonus annuities can give your retirement savings a powerful head start—if used wisely.
How to Spot Red Flags When Choosing an Insurance Agent
Not all agents have your best interest in mind—here’s what to watch out for.
How to Use Life Insurance to Fund a College Savings Plan
You can use permanent life insurance to save for college—without hurting your financial aid eligibility.
Understanding the Difference Between Term Life and Accidental Death Insurance
Not all life insurance is created equal—here’s how term life and accidental death policies differ.
How Accidental Death Insurance Fills a Crucial Gap
Accidental death insurance provides low-cost protection when the unexpected happens.
What Is Burial Insurance and Who Needs It?
Burial insurance provides peace of mind and financial relief during one of life’s most difficult moments.
Why Fixed Annuities Are a Smart Choice in Volatile Markets
Fixed annuities offer safe, predictable growth when markets are uncertain.