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    Recent Posts:

    annuity demonstration
    Retirement
    Catherine Brock

    What is an Annuity and How Does it Work?

    Worried about running out of money in retirement? You’re not the only one. A 2019 survey from Aegon and Transamerica Center for Retirement Studies indicates that 40% of people globally are worried about outliving their savings.

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    Senior reading computer
    Senior Care
    Avery Logan

    Senior Resources Guide For Coronavirus

    In the wake of the coronavirus pandemic, many seniors are left with questions about the status of services and how to stay connected with loved ones. To help, we’ve compiled this comprehensive resource guide for seniors that covers essential coronavirus questions along with several resources to help stay updated and ensure your well-being throughout the situation.

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    Senior citizens holding hands
    Elder Law
    Catherine Brock

    What is a Health Care Proxy?

    Your vision for your senior years might involve sunny mornings on the golf course, bridge parties with friends, and relaxing walks through nature. And while you should seek out those carefree activities, recent economic events remind us that it’s important to keep an eye on the practical matters, too. Those practical matters include your finances and estate, of course, but also your health.

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    Question on blackboard
    Life Insurance
    Sonya Stinson

    What Is a Life Insurance Beneficiary?

    You could argue that life insurance means nothing without the beneficiary. Sure, it’s the policyowner who initiates the coverage and pays the premiums. But assuming that the insured doesn’t let the insurance lapse or sell it in a life settlement, the beneficiary is the one who ultimately benefits from that life insurance policy.

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    Surprised senior man
    Life Insurance
    Sonya Stinson

    What is Permanent Life Insurance?

    As the name implies, permanent life insurance covers you for a lifetime. As long as you continue paying the premiums, the insurer cannot cancel your policy. In addition to paying a death benefit, permanent life insurance policies also include a savings component through which your policy can build cash value.

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    Elderly woman
    Life Insurance
    Catherine Brock

    Can Seniors Over 70 Get Life Insurance?

    Can seniors over 70 get life insurance? The short answer is yes. The life insurance options for the elderly aren’t as plentiful as they are for the younger crowd, but seniors can secure a death benefit even after age 70. 

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    hundred dollar bills
    Life Insurance
    Sonya Stinson

    What is a Return of Premium Life Insurance Policy?

    A Return of Premium (ROP) life insurance policy guarantees a full or partial refund of the premiums you pay if you outlive the stated term of the policy. This feature is typically added as a rider to a traditional term life policy that has a 20- or 30- year term. Some ROP policies return only the base premium payments to the policyholder but not the additional cost for the ROP rider, while others return the full cost.

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    best retirement blogs in 2020
    Retirement
    Avery Logan

    The Best Retirement Blogs in 2024

    It’s never too early or too late to plan for retirement. Whether you are planning or saving for retirement or are already retired and looking for more lifestyle tips and advice, Harbor Life Settlement has pulled together a list of retirement blogs that will help you in 2020.

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    Retirement community
    Retirement
    Catherine Brock

    Best Retirement Communities of 2024

    The best retirement communities generally deliver on climate, proximity to healthcare, affordability, social activities, and retirement center amenities. They can range from cozy, close-knit neighborhoods, to sprawling city-like meccas where you never have to wander outside the gates. You can also find less formal enclaves of retirees in cities throughout the U.S. — some of which make great retirement destinations for those who don’t like the feel of a master-planned community.

    Here’s a look at 15 retirement locations that might match your definition of the ideal place to retire.

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