Blog

Insurance can be a confusing topic for many. At Metro, we take the confusion out of life insurance by educating our clients. Our blog covers a variety of topics to help you learn more about insurance and how it can benefit you. If you ever have any questions or want more information on a topic we haven't covered yet, please reach out! We would love to help you.

Monday, November 16, 2020

Retirement Realities Expectations vs. Reality Predicting exactly what your retirement will be like is about as possible as a meteorologist predicting the weather correctly every single time. In fact, few retirees find their financial...

Monday, November 2, 2020

Raising children. Caring for aging parents. Building purposeful careers. We dedicate much of our lives to the people and things that mean the most to us. Eventually these responsibilities recede, allowing us more time for ourselves....

Tuesday, October 13, 2020

The Social Security Disability Insurance program is projected to pay out approximately $133 billion in benefits in 2020. And with new applicants each year, the system is expected to exhaust its reserves at the end of 2035 if changes...

Tuesday, September 22, 2020

Most children stop being “and-a-half” somewhere around age 12. Kids add “and-a-half“ to make sure everyone knows they’re closer to the next age than the last. When you are older, “and-a-half”...

Thursday, September 3, 2020

In a 2020 survey, 36% of all workers reported they were either “not too” or “not at all” confident that they would have enough money to pay for their medical expenses in retirement. Regardless of your confidence...

Show All

Tuesday, August 25, 2020

Americans who have been adversely affected by the COVID-19 pandemic may now be able to access retirement accounts to help cover daily expenses, penalty-free.Now, in addition to those who have lost their jobs during the COVID-19...

Thursday, August 20, 2020

Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing, and your family ends up on a first-name basis with the nurse at urgent care. Then, as you’re driving to work, you see smoke...

Monday, August 3, 2020

When financial markets turn volatile, some investors show their frustration by fleeing the markets in search of alternatives that are designed to offer stability. For example, in the first quarter of 2018, investors pulled $63 billion...

Wednesday, July 22, 2020

Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger. In other words, experiencing negative returns early in retirement can deplete your portfolio more quickly than...

Monday, July 6, 2020

For the casual observer, it sometimes seems that variable annuities are either “terrible” or “wonderful.” Commentators in the financial media seem to occupy a polarity of opinions we might see in politics. What...

Friday, June 26, 2020

Despite not being as well known as some other retirement tools, annuities account for 8% of all assets earmarked for retirement. With about $2.3 trillion in assets, annuities hold more funds than Roth IRAs.1 An annuity is a contract...

Monday, June 8, 2020

1. Through an Insurance Professional Working with a professional who specializes in long-term care insurance provides you with a lot of flexibility and personal guidance. An insurance professional can help you shop around for the best...

Monday, May 18, 2020

It’s true that most long-term care insurance claims are made when people reach their golden years, but there’s a misconception that you should wait until you’re approaching retirement to buy a policy. Waiting too long...

Monday, May 4, 2020

When considering long-term care insurance policy, you should be familiar with the following: Daily/monthly benefit The maximum daily or monthly amount your policy will provide toward the cost of longterm care. Benefit maximum The...

Monday, April 20, 2020

Chances are the day will come when you won’t be able to manage on your own. The good news is, people are living longer. However, that increases the chance that you will live to the age where you will need long-term care....

Monday, April 6, 2020

One of the first things any business owner needs to consider is how to protect against events that may threaten the future of the business, like the death or disability of a proprietor, partner or key employee. When adversity strikes,...

Monday, March 16, 2020

1. Through an Insurance Professional Most people need help conducting the detailed financial assessment needed to determine how much and what kind of insurance to buy. That’s why they usually turn to a qualified insurance...

Monday, March 2, 2020

There are several features that are unique to permanent insurance: Living Benefits- Access to Cash A policy’s cash value can be surrendered, in total or in part, for cash that can be put toward important uses like a child’s...

Monday, February 17, 2020

The most basic feature of a life insurance policy is the death benefit: the lump-sum payment your beneficiaries would receive if you were to die. It’s the core reason to own life insurance—but not the only one. Some types...

Monday, February 3, 2020

The most important part of buying life insurance is determining how much you need. Since everyone’s financial circumstances and goals are different, there is no rule of thumb to tell you how much to buy. But do you really need...

Monday, January 20, 2020

If someone depends on you financially, you probably need life insurance. Here are some examples of specific life stages or life events that might trigger the need for life insurance. Married or Getting Married Many families depend on...

Monday, January 6, 2020

Thursday, September 26, 2019

September is Life Insurance Awareness Month. The purpose of Life Insurance Awareness Month (LIAM) is to educate consumers about life insurance and help them get the coverage they need. Metro Insurance & Financial Services is proud to...

Saturday, February 2, 2019

In the third quarter of 2017, more than 2,500 small businesses were sold. The median sale price was $225,000, up from $200,000 the year before.¹ As a business owner, ascertaining the value of your business is important for a...