Life insurance, beneficiaries, estate basics, and final expense.
It can, in both directions. A deferred annuity you own is generally treated as a countable asset for long-term care Medicaid, and payments you receive are…
Most annuities do not go through probate. When a living person is named as beneficiary on the contract, the insurance company pays that person directly under…
An annuity generally passes by its beneficiary designation, not by your will, so it goes straight to the named person and usually skips probate. The trade…
An annuity divided in a divorce is usually split through a court order plus the insurer's own division paperwork, not by cashing it out. Employer-plan annuities…
Spousal continuation lets a surviving husband or wife step into a deceased spouse's annuity and keep it going as the new owner, instead of taking a…
A long-term care rider is an optional add-on to an annuity that increases or extends your payments if you cannot perform certain daily activities. It is…
An annuity beneficiary designation is the line on your contract naming who receives the money when you die. It controls the payout by contract, which means…
An annuity death benefit is the amount the insurance company pays the person you named when you die. On most deferred annuities that is the account…
Final expense insurance is a small whole life policy sized to cover funeral, burial, and other end-of-life costs. It pays cash to the beneficiary you name,…
Life insurance is still available after 70, in fewer forms and on different terms. The usual options are shorter-term policies where the carrier still issues them,…
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