"Safe Money" Planning - Do you know that annuities are the only product that can guarantee income for life?

Yes, there is a way to share in the stock market gain with no risk of loss of principal.

Health Insurance - Health Savings Accounts are new and offer both health insurance and a tax-deferred savings account for medical expenses.

Life Insurance - Universal annuity life insurance can provide coverage up to age 65 and monthly income for life thereafter.

Long-Term Care Insurance - Did you know that long-term care insurance is not just for nursing homes anymore? Long-term care now takes place in the home, in adult daycare centers, and at assisted living facilities. Long-term care insurance can be custom designed to cover any or all of these situations.

Newer products include one that can preserve your money to be passed on to your estate if not used for long-term care expenses, and another that pays a flat monthly benefit for you to use as you please.

Medicare Supplement Insurance - If you apply for a Medicare Supplement from between two months before and six months after your 65th birthday, you can get all but three of the ten plans, guaranteed.

If your Medicare HMO is terminating your coverage, there are four plans that are also guaranteed regardless of your health.

Be sure to apply for Medicare Part B as soon as you are eligible for Medicare, or you could lose some benefits permanently!

The new Medicare Part D can help with prescription drug costs. Be sure to review this plan to see if it would be of benefit to you.