July 17, 2013

Have you ever tried to track down a life insurance policy that was owned by a family member or find out if they had any life insurance?  If so, you know that this can be a challenging task.

Here are some starting points: 

  • Review all insurance polices and important documents - even if looks like a policy may not be current, it is still a good idea to contact the insurance company to double-check.  You will need to be either the executor or have some form of power of attorney to access information.
  • Review any cancelled checks to...
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June 17, 2013
Black Forest Fire Rebuild

United Policyholders is a non-profit organization that is a voice and an information resource for insurance consumers in all 50 states.  We have helped guide disaster survivors on the road to recovery for over twenty years, including Colorado residents impacted by wildfires in 2010 and 2012, 2013 and the recent flooding. 

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May 20, 2013

As the painful process of recovery begins for those whose homes have been damaged or destroyed in recent tornadoes, the focus will be on photographing and removing debris, inventorying losses, negotiating insurance payments and grieving.  In the months ahead, impacted residents will have to plow through paperwork and make important financial decisions.  The word most commonly used to describe people's mind set after a natural disaster is "overwhelmed."  While insurance payments can't bring back cherished mementos, they are critically important on the Road to Recovery....

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May 7, 2013

With springtime comes spring cleaning.  We may take the time to deep clean the house and clear out the garage, however most of us don't take the time to perform the same spring cleaning for our financial affairs. 

When was the last time you reviewed your insurance policies and "cleaned them" - in other words took a look at them and made sure that they were in order and still providing the coverage that you need. Do you need more of a certain coverage and less of another? Have you had major life events such as a new child, gotten a new job or house? Do you have...

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December 13, 2012

Life insurance is an integral part of an overall financial plan WHEN you have a need for life insurance.  The key here is the word "when".   Some people just don't have a need for a life insurance.  If you have a need for life insurance, you should have it.

Here are the two most common issues that I've seen in consumers life insurance portfolios:

1) They don't have the right amount of life insurance.  

There are many different methods to calculate life insurance, however, the bottom line is your...

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