Promise Rose

How health insurance companies use AI to make consumers healthier

• 11 min read

Health insurance companies today are using artificial intelligence and machine learning in ways not possible just five years ago to better pinpoint at-risk individuals and to reduce costs. "The applicability and opportunity on the insurer's...

So, you want to retire but you’re not old enough for Medicare.

• 11 min read

Are you hoping to retire early? Finding health insurance to bridge the gap until Medicare kicks in at age 65 may be a hurdle. Twenty years ago, two-thirds of large companies offered health insurance for early retirees. Last year, the Kaiser Family F...

Choosing A Health Insurance Plan This Fall

• 11 min read

A couple of weeks ago, I wrote about choosing between a defined benefit and a defined contribution retirement plan. This fall, millions of Americans will face a more common choice of which health insurance plan to choose during their employer’s...

Time To Prepare For Medicare Open Enrollment

• 11 min read

Are you considering changing your Medicare coverage? Between Oct. 15 and Dec. 7, the open enrollment period for Medicare, you have the opportunity to change your coverage without penalty. There are many resources to help you determine whether it pay...

Strategies On Saving For Retirement For The Wealthy

• 11 min read

While the 1% is a loosely defined, income-determined social class, we often assume that its members have so much money that they don’t need to plan for retirement. This is typically not the case. For those with roughly $2 million+, careful plan...

Couple In Mid-40's Plan For Retirement

• 11 min read

Rebecca and Bryan Vargas have steady work histories, some money in the bank and a rental home in North Seattle. They like their current circumstances. What worries them is the future, especially 20 years from now. The year 2037 is when Rebecca Varg...

Taxes In Retirement

• 11 min read

Most of the time when people come to see a financial professional, they want to talk about investments and returns. And as they get closer to retirement, much of that discussion is centered around risk: Are they taking too much, or possibly not enoug...

Are We About To See The End Of The Life Insurance Medical Exam?

• 11 min read

Peeing in a cup, giving blood samples, getting blood pressure checked and stepping on the scale were once unavoidable (and often dreaded) parts of applying for life insurance. But data services and technology are gradually replacing the life insuranc...

Can Life Insurance Be An Investment?

• 11 min read

Common uses of life insurance Life insurance is primarily used as an asset that will provide a death benefit to the beneficiaries upon the death of the insured. Common designs of these policies are to minimize the amount paid for the desired level o...

Life Insurance And Finances

• 11 min read

As federal employees plan for retirement, it’s important that they reevaluate their insurance needs. This includes health, long-term care, and life insurance. The unexpected need for expensive medical care, personal care due to a physical or me...

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