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Understanding the Differences Between Long-Term Disability and Long-Term Care Insurance
Many people often mix up Long-Term Disability Insurance (LTD) and Long-Term Care Insurance (LTC), possibly because they're both activated...

Dan De La Torre
May 15, 20244 min read
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Federal Liability Insurance: A Vital Protection for Federal Employees
Federal Liability Insurance  is a crucial safeguard for those serving in federal positions. Navigating the professional landscape as a...

Dan De La Torre
Apr 23, 20242 min read
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How Does Supplemental Disability Insurance Work?
Before discussing Supplemental Disability Insurance, I think it is best to first define in general terms what supplemental insurance is....

Dan De La Torre
Apr 10, 20246 min read
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Life Insurance as an Investment: What You Need to Know
Life insurance is commonly perceived as a means to secure the financial future of you and your family. However, it's also a versatile...

Dan De La Torre
Mar 27, 20246 min read
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Understanding the Differences Between Short-Term and Long-Term Disability Insurance
In today's uncertain world, safeguarding our health and well-being through insurance coverage is essential. Focusing on safeguarding our...

Dan De La Torre
Mar 13, 20245 min read
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Accident Insurance vs Health Insurance: Understanding the Key Differences and Value
In today's uncertain world, safeguarding our health and well-being through insurance coverage is paramount. When it comes to protecting...

Dan De La Torre
Jul 19, 20233 min read
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Is Disability Income Insurance Right for You?
People ordinarily buy property and casualty insurance to protect their possessions (houses, cars, and furniture) and life insurance to...

Dan De La Torre
May 10, 20234 min read
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Understanding Voluntary Benefits: What You Need to Know
You know the importance of having health care coverage and a 401(k), but are you taking advantage of all the benefits offers? Voluntary...

Dan De La Torre
May 10, 20232 min read
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The Federal Thrift Savings Plan: A Retirement Resource for Federal Employees
What is the Federal Thrift Savings Plan (TSP)? The Federal Thrift Savings Plan (TSP) is a tax-deferred retirement savings and investment...

Dan De La Torre
May 10, 202312 min read
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Understanding Social Security: Key Benefits and Eligibility
Approximately 69 million people today receive some form of Social Security benefits, including retirement, disability, survivor, and...

Dan De La Torre
May 10, 20235 min read
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Should You Choose a High-Deductible Health Plan?
In 2020, 31% of U.S. workers with employer-sponsored health insurance had a high-deductible health plan (HDHP), up from 24% in 2015....

Dan De La Torre
May 10, 20233 min read
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Life Insurance Beneficiary Mistakes to Avoid
Life insurance has long been recognized as a useful way to provide for your heirs and loved ones when you die. Naming your policy's...

Dan De La Torre
May 10, 20233 min read
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Top Five Questions to Ask About Long-Term Care
What is Long-Term Care? Long-term Care refers to the ongoing services and support needed by people who have chronic health conditions or...

Dan De La Torre
May 10, 20234 min read
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Planning Your Retirement: 10 Key Considerations for the Next 10 Years
If you're a decade or so away from retirement, you've probably spent at least some time thinking about this major life change. How will...

Dan De La Torre
May 10, 20236 min read
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