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Category: Insurance

The Power of Coordination

By Lineweaver Financial Group
April 18, 2019 Category: Coordination, Tax, Legal, Insurance, Financial, Wills, Estate Planning, Taxes, Retirement

At the Lineweaver Companies, we believe a team approach to coordinating all your financial, legal, tax, and insurance needs helps save you time, money and worry. For example, we had clients who were both close to retirement, and unfortunately the husband had been diagnosed with terminal cancer. The first thing we did was to work with them to make sure his pension was triggered in such a way that the wife could receive a greater lifetime benefit - almost a million more dollars than she would have otherwise received. At the same time, in this sort of situation, you have to consider powers of attorney and other basic estate planning documents that everyone should have, like wills, and even if trusts make sense for your particular situation. There were also huge student loan balances of more than $120,000. But, because they kept the loans entirely in the fathers name, when he passed, the debt was forgiven. But what many people dont know is that the forgiveness of debt in this

Does Your Vacation Home Have the Right Insurance?

By Lineweaver Financial Quarterback
November 08, 2018 Category: Lineweaver, Vacation Home, Insurance

Vacation homes are often used in one of three ways: owner occupied, as a rental, or unoccupied. Many people carry either a homeowners or landlord insurance policy, both of which often have significant coverage gaps. You will want to make sure youre covered for all three situations. If you vacation home is in the path of a named-storm, such as a hurricane, its possible that your home insurance deductible will increase. Many named-storm deductible clauses work by requiring a deductible thats a certain percentage of a homes value, which can be anywhere from one to ten percent. The hurricane deductible is designed to offer lower premiums, so the first thing you can do is to put aside that savings for damages. Be aware that hurricane deductibles only take affect if the homes damage results from a storm officially named by the National Weather Service. Remember, no insurance is perfect and so it is usually a good idea to have an umbrella insurance policy. They fill in any gaps in coverage

Are You Putting Yourself or Your Family at Unnecessary Risk?

By Lineweaver FInancial Group
August 02, 2017 Category: Insurance, Risk Management, Protection

Remember your parents constantly telling you to be careful? Im sure that most of us hear that reminder in our minds all the time. But sometimes, no matter how careful you are, events unfold that can have a devastating effect on you and your family. But, dont worry you arent totally powerless and many risks can be mitigated through insurance! First, start by reviewing your Life Insurance. Unfortunately, none of us are going to live forever. If youor your spouse were to pass away, consider - what would the ongoing financial impact be on your family? We recommend reviewing the reasons, necessity, and beneficiaries of life insurance policies as circumstances and objectives may have changed since the original purchase. Second, consider Long Term Care Insurance (LTC). Long term care is another topic no one wants to discuss. This alone could be the biggest financial risk you face, and is the most likely to be uninsured. There are several studies on the incidence of nursing home care, and

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