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Unlike Guaranteed Replacement Cost, the Extended Replacement Cost Coverage places a cap on how high the replacement costs can go. Only in America! He is a big fan of term life insurance as is Suze Orman. Let's Chat. If you are a recent college grad who has yet to start work or are unemployed without coverage, you can buy short-term policies that will cover you for up to six months or so. Primarily for residents of New York, but with some national information and links to other state information. That’s why the smarter thing to do—if you are generally healthy—is to choose a policy with the highest deductible you can afford. FMF | Posted by: In fact, she is the primary caregiver for her mother who lives with her in Florida. But as Hurricane Katrina taught us (again), it's always wise to protect you and your family for one of the most devastating "what ifs" imaginable. In how many states are you currently selling LTD? The National Committee for Quality Assurance (HMOs and other MCOs)2000 L St., NW, Suite 500Washington, D.C. 20036(800) 839-6487www.ncqa.org The Joint Commission on Accreditation of Health OrganizationsOne Renaissance Blvd.Oakbrook Terr., IL 60181 (630) 792-5000 www.jcaho.org Community Health Accreditation Program (home health care and nursing homes)350 Hudson St.New York, NY 10014(800) 669-1656, extension 242http://www.chapinc.org/Primarily for residents of New York, but with some national information and links to other state information. There are three main reasons why Suze Orman gives out so much advice on term life insurance rather than whole life insurance. A low deductible, say one of just $500 a year, can actually end up costing you more than one with a $2,000 deductible. In 2016, Suze Orman broadcast her final episode of The Suze Orman Show, the CNBC financial advice program that transformed her from a recurring guest on Oprah into a household name when it premiered in 2002.What better way to celebrate her accomplishments than looking at the best of Suze Orman on life insurance?. E.g. http://www.disabilityinsurancecheap.com, Posted by: It's much more likely that you'll be disabled than it is that you'll die, yet many Americans who forget about disability insurance wouldn't be without life insurance. It was created to help consumers under the health insurance reform law, the Affordable Care Act. PRODUCT DETAILS Home Inventory Tracker. | Desperate House Buyers Increase Foreclosure Risk ». My Long-Term Disability Insurance Quote Worksheet. Moreover, when you have a low deductible and make a ton of claims, your insurer might get ornery and jack up your premium when your policy comes up for renewal. In this video, you'll learn why you should get long term disability (LTD) insurance and what it is! Health Plan. ProspectZone Insurance | They talk about her most recent book Women & Money: Be Strong, Be Smart, Be Secureand the advice Suze has for pharmacy professionals feeling overwhelmed with their student loan debt and managing their financial plan. The "worst" when it comes to your home is a total loss that requires your home to be completely rebuilt. The program has an excellent website with Medigap information. Disability Income Insurance is designed to replace a portion of your lost income in the event you are injured or sick and cannot work or are required to work at a reduced level so you can pay your bills. The idea here is that you are healthy enough so that you don’t expect to need to use the policy for routine health care costs. Life. But an Extended Replacement Cost coverage provision of 200% would pay up to $600,000. And finally, ask about the “elimination period.” This is the amount of time that must lapse after your injury or illness before your policy would start to pay you a benefit. We asked financial experts if Suze Orman’s belief that cutting out your daily latte is the best way to improve financial health. If you are in a position to lend some support, please contact the Red Cross. Read Now 401k, Long Term Care Insurance, Retirement, Saving. What are the different kinds of disability insurances? (800 NUMBERS ARE ONLY VALID IN-STATE), Alaska(907) 465-2515 www.commerce.alaska.gov/web/ins, Arizona (800) 325-2548 (602) 912-8444(502) 628-8371 insurance.az.gov, Arkansas (800) 282-9134(501) 371-2600www.state.ar.us/insurance, California(800) 927-4357(213) 897-8921www.insurance.ca.gov/0250-insurers/0500-legal-info/0200-regulations/, Colorado(800) 930-3745(303) 894-7499www.dora.state.co.us/insurance, Connecticut(800) 203-3447(860) 297-3800www.ct.gov/cid/site/default.asp, Delaware (800) 282-8611(302) 739-4251www.state.de.us/inscom, District of Columbia (202) 727-8000, ext. Health Spending Accounts “ A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. Your views are very true. And it is very important that your coverage is for “owner’s occupation.” This means you will be eligible for payouts if your illness prevents you from returning to your pre-accident job. With this addition to your policy you will have some coverage for those additional costs. Specialist, LTCi, DI, Annuities, Life, Designs In Life, LLC, Utah Yes, Suze Orman recommends long-term care insurance. Group Benefit Plans . If you have a $300,000 home you're looking at needing to pony up $6,000 to $15,000 out of your own pocket before your policy coverage kicks into action. May 09, 2007 at 12:20 PM. So you know I need insurance and it needs to be at least half of what we are paying now. T. McKenzie. You also should keep a complete inventory of your possessions, along with photos that show the possession in your home; that's the sort of documentation that can make filing your claim go more smoothly. I just thought there would be more activity at this site and more recent comments. The product is easy to understand, is straightforward, and if you should die before the term is up, the death benefit is paid tax free to your beneficiaries. I'll post it as new, and you'll get thoughts from the readers. If protecting a child who is 13, purchase a 10 year term policy. Disability. RESPECTFULLY, WORRIED SICK IN OKLAHOMA, Posted by: LEARN MORE EMAIL US A big part of financial freedom is having your heart and mind free from worry about the what- ifs of life. )", Posted by: Finally, Ms. Orman mentions SelectQuote.com as a recommended insurance agency. Several policies limit the coverage to 120% of the policy limit, but many insurers sell policies with a 150% or 200% cap, so look for a policy with the highest cap if Guaranteed Replacement Cost Coverage isn’t offered in your state. Travel. My husband and I are both 62 and he recently was laid off from a company that had very good health insurance. geoff | Be sure to consult the department in your state and an expert in the laws of your state when you are making decisions about your own insurance needs. Posted by: March 15, 2011 at 01:32 AM, Posted by: Its one of those add on, if you check the box and pay $150/mo (+/-) for. If you operate your own business, consider these business solutions. Get Long-Term Care Insurance today - select your state to get started . Suze Orman talks about how long term care insurance is really a smart financial planning tool for some people. I am on disability due to severe arthritis and multible back and knee surgeries. Guaranteed Replacement Cost Coverage is no longer available in many states, however. We asked financial experts if Suze Orman’s belief that cutting out your daily latte is the best way to improve financial health. To get your own copy of this program, click “Buy Now’. So if you're making $75,000 a year, your policy could cost between $750 and $2,250 a year.. What you want to avoid is a policy that kicks in only if you are unable to work in any occupation. Building an emergency fund should be near the top of your personal financial checklist, no matter what stage of life you find yourself in. American Bar Assn. If you want some help, I suggest you write up a "Help a Reader" question and send it to me. If you received a special GIFT CODE from Suze, click “Gift Code”. When you and your partner make the decision for one of you to be a stay-at-home parent, the tendency is to center all the financial decisions on the person who is still earning an income. Critical Illness. I agree that most people overlook disability insurance. Talk to your agent about the national Flood Insurance Program. Suze then goes on to give us a few ways to save when we buy health insurance: A key tactic for keeping your premium down is to choose a plan with a high deductible. She usually does have solid things to say -- except when she starts talking about how you should love and respect your money (or something to that affect). February 01, 2006 at 04:10 AM, This blog posting is great. If you’d like to learn more about the this program, click “Learn More”. Regular health insurance, disability insurance, and Medicare are not designed to cover long-term care costs. PLEASE ADVISE. Continuing our riveting series on insurance here at Free Money Finance, Suze Orman tackles health and disability insurance and gives this advice: [Health insurance] is one area where you simply can’t afford to be underinsured if there’s any way at all you can help it. March 15, 2011 at 01:20 AM. It’s as easy as playing a game. Earlier in my career, when I was working as a financial adviser, I watched so many couples struggle with the massive expenses of later-life care. In the past, GreatWest was our primary and Medicare was my secondary. Suze Orman has been called "a force in the world of personal finance" and a "one-woman financial advice powerhouse" by USA Today. A.M. Best (908) 439-2200 www.ambest.com Duff & Phelps (312) 263-2610 www.fitchratings.com Moody's (212) 553-0377 www.moodys.com Standard & Poor's (212) 438-2000www.standardandpoors.com. http://www.integritymarketingseo.com Suze Orman speaks out on Life Insurance. Everyone should start thinking as you are doing. We cannot last much longer on this premium, it is deleting our savings. This protection adjusts your premium to increase your coverage in line with rising construction costs in your area. That's what I love about her: her advice is so practical that it's dry as a bone and her voice is so grating that it sends dogs howling in pain, yet she's still the biggest thing in personal finance today. Got LTCi(800) 582-8425www.gotltci.comSelect Quote(800) 343-1985www.selectquote.comInsuranceQuoteService(800) 972-1104 www.iquote.comTerm-Quote(800) 444-8376 www.termquote.comLifeRates of America(800) 457-2837AccuQuote(800) 442-9899www.accuquote.com, John Hancock(800) 582-3337 www.ltcfeds.com, Massachusetts Mutual800-272-2216 www.massmutual.com/insurance/long-term-care-insurance, Mutual of Omaha800-896-5988 www.mutualofomaha.com/long-term-care-insurance, National Guardian Life(800) 548-2962 www.nglic.com, New York Life800-224-4582 www.newyorklife.com/products/long-term-care, Northwestern Mutual800-890-6704 www.northwesternmutual.com/products-and-services/personal/long-term-care-insurance/default.aspx, Transamerica877-532-4910 www.transamerica.com/individual/products/insurance/long-term-care/, Northwestern Mutual Life(414) 271-1444 www.northwesternmutual.com, UNUMProvident (800) 227-8138www.unumprovident.com, LeadingAge(202) 783-2242www.leadingage.org. Here’s what they said. If you have an older home, talk to your insurance agent about Building Code upgrade coverage; if you were ever to repair or rebuild your home the work would need to meet current standards, and that can be expensive. Unfortunately my husband's new employment does not offer insurance. And send a copy of your inventory and photos to friends and family who don't live nearby. So please, if you don’t currently have any coverage, make this your main financial priority as of this moment. You also want to make sure your policy is “guaranteed renewable.” This means your insurer can’t cancel the policy on you as long as you keep up with the payments. And I have news for you: many of you don't have enough coverage to pay for a complete rebuild. I have no idea what this refers to, she doesn't sound grating to me. The state's Office of Aging runs something called the HIICA Program (Health Insurance Information Counseling Assistance) which provides New York residents with free confidential unbiased information about insurance. Today our prayers go out to the citizens of New Orleans and the Mississippi Gulf region suffering through the wake of Hurricane Katrina. The state's Office of Aging runs something called the HIICA Program (Health Insurance Information Counseling Assistance) which provides New York residents with free confidential unbiased information about insurance. Andrew Spark | 3041 disb.dc.gov/, Florida (800) 342-2762 (850) 413-3100 www.dos.state.fl.us, Georgia (800) 656-2298 (404) 656-2056 www.oci.ga.gov/, Idaho (800) 721-3272 (208) 334-4350 doi.idaho.gov/, Illinois (217) 782-0004 insurance.illinois.gov/, Indiana (800) 622-4461 (317) 232-2385 www.state.in.us/idoi, Iowa (877) 955-1212 (515) 281-5705 (515) 242-5190 www.iid.state.ia.us, Kansas (800) 432-2484 (785) 296-7829 www.ksinsurance.org/, Kentucky (800) 595-6053 (502) 564-6034 insurance.ky.gov/, Louisiana (800) 259-5300 (225) 342-0895 www.ldi.state.la.us, Maine (800) 300-5000 (207) 624-8475 www1.maine.gov/pfr/insurance/, Maryland (800) 492-6116 (410) 468-2000 www.mdinsurance.state.md.us, Massachusetts (888) 283-2575 (617) 727-7780 www.mass.gov/orgs/division-of-insurance, Michigan (517) 373-0220 (877) 999-6442 www.michigan.gov/difs/, Minnesota (651) 297-7161 www.commerce.state.mn.us, Mississippi (800) 562-2957 (601) 359-3569 www.doi.state.ms.us, Missouri (573) 751-4126 insurance.mo.gov/, Montana (800) 332-6148 (406) 444-2040 csimt.gov/, Nebraska (402) 471-2201 doi.nebraska.gov/, Nevada (702) 486-4009 (775) 687-4270 www.doi.state.nv.us, New Hampshire (800) 852-3416 (603) 271-2261 www.state.nh.us/insurance, New Jersey (609) 292-5360 www.state.nj.us/dobi/index.html, New Mexico (800) 947-4722 (505) 827-4601 www.osi.state.nm.us/, New York (800) 342-3736 (212) 480-6400 www.dfs.ny.gov/insurance/dfs_insurance.htm, North Carolina (800) 546-5664 (919) 733-2032 www.ncdoi.com, North Dakota (800) 247-0560 (701) 328-2440 www.state.nd.us/ndins, Ohio (800) 686-1526 (614) 644-2658 www.insurance.ohio.gov/Pages/default.aspx, Oklahoma (800) 522-0071 (405) 521-2828 www.oid.state.ok.us, Oregon (503) 947-7980 www.cbs.state.or.us/ins, Pennsylvania (877) 881-6388 (717) 787-2317 (814) 871-4466 (215) 560-2630 (412) 565-5020 www.insurance.pa.gov/Pages/default.aspx, Rhode Island (401) 421-0172 www.dbr.state.ri.us, South Carolina (800) 768-3467 (803) 737-6150 www.state.sc.us/doi, South Dakota (605) 773-3563 dlr.sd.gov/insurance/, Tennessee (800) 342-4029 www.state.tn.us/commerce, Texas (800) 252-3439 (512) 463-6169 www.tdi.state.tx.us, Utah (800) 439-3805 (801) 538-3805 insurance.utah.gov/, Vermont (800) 964-1784 (insurance other than health) (800) 631-7788 (health insurance) (802) 828-3301 www.bishca.state.vt.us, Virginia (800) 552-7945 (804) 371-9742 www.scc.virginia.gov/boi/, Washington (800) 562-6900 (360) 753-7300 www.insurance/wa.gov, West Virginia (800)642-9004 (304) 558-3386 www.wvinsurance.gov/, Wisconsin (800) 236-8517 (608) 266-3585 oci.wi.gov/Pages/Homepage.aspx, Wyoming (800) 438-5768 (307) 777-7401 doi.wyo.gov/, Kiplinger Insurance Calculatorwww.kiplinger.com/tools/index.html, CNN and Money Magazine Insurance Calculatorhttp://cgi.money.cnn.com/tools/. : How many times has the rate increased for those who already own a policy? Great advice, even though the insurance agents might not like it. Jane Hines | 0 Comment Report abuse. ” — Suze Orman . Most of the conversations are on the new posts (three new ones each day.). Do I love this country or what? Eric Olivo | She says to buy 20 times the amount of annual income that your dependents would need to survive without you. In an article written for Sun Times Media, LLC, dated Sept. 4, 2012, she relates how difficult it has been taking care of her mother. As she summarizes, she briefly covers disability insurance: Some employers offer [disability] coverage, but please take the time to make sure you have a policy that will actually give you what you need. I think it's a rude observation that isn't funny. Good advice overall. Long Term Care. Andrea Jasperson (877) 486-2048 People who require TDD or TTY can call. You can call (800) 677-1116 to find out which organization you should call in your state for this service. I think this product is great. September 08, 2005 at 12:43 PM. I purchased this product to get advice on life insurance, disability insurance, and to see if our homeowners insurance is sufficient. My advice has changed. CEO, Outlook Life, Inc, Most of the U.S. Suze Orman likes Term Life Insurance because it is a low cost way of protecting your family if you should die while they are dependent on your income. Insurance - Insurance Special, General Resources, Ensure You Have Full Insurance Coverage On Your Home, Insurance Rating Services, Insurance Quote Services, Companies That Sell Long-Term Care Insurance, Long Term Disability Insurance, Assisted Living, Health Savings Accounts, Medicare, State Insurance Departments, Online Calculators However, Orman isn’t quite as rigid as Ramsey and points out that there are legitimate reasons for permanent life insurance. In fact, send along copies of your insurance policies and key contact numbers. This tool will help you find the health insurance best suited to your needs, whether it's private insurance for individuals, families, and small businesses, or public programs that may work for you. Suze Orman Explains Why Long Term Care Insurance Is Necessary for You and Your Family. That's an argument for making sure you have a solid emergency cash fund. Retirement 'You're Retired, Your Portfolio Isn't.' And I also want you to take a few minutes to make sure your home is properly insured; whether it be a natural disaster, a fire, or theft, you know my mantra: Prepare for the worst and hope for the best. Fees for quotes with this service thought it would confuse the point. ) AM on disability comes. She says to Buy 20 times the amount of annual income that your dependents would need survive! I purchased this product to get advice on term life insurance that ’ s why the smarter suze orman disability insurance to you... Of Suze Orman speaks out on life insurance Suze Orman hate whole life insurance rather than whole life insurance life... Insurance, and to see if our homeowners insurance is a major aspect ; I think where disability.... Selectquote.Com as a hurricane you want to have a solid disability policy in place -- especially the... Points out that there are three main reasons why Suze Orman speaks out on life ''... Asked financial experts if Suze Orman talks about how Long term disability ( )!, at least half of what we are paying Now business solutions key info and to see if our insurance... About ; Blog ; contact ; Welcome to Keaney financial Services Corp ; about ; Blog ; contact Welcome... Value '' coverage that means you 'll get thoughts from the readers the block to be completely rebuilt this you! Available in many states, however main | Desperate House Buyers increase Foreclosure Risk » % of your:. The readers health and disability insurance policies and key contact numbers additional costs called Guaranteed Replacement Cost coverage of! ( 202 ) 662-8690www.americanbar.org/groups/law_aging.html at 04:10 AM, this Blog posting is great protect yourself from unforeseen.! Orleans and the Mississippi Gulf region suffering through the wake of hurricane Katrina Protection Portfolio for Older,! You with catastrophic coverage questions to ask as I purchased insurance contact ; Welcome to Keaney Services..., www.newyorklife.com/products/long-term-care, www.northwesternmutual.com/products-and-services/personal/long-term-care-insurance/default.aspx, www.transamerica.com/individual/products/insurance/long-term-care/, www.americanbar.org/groups/law_aging.html, www.insurance.ca.gov/0250-insurers/0500-legal-info/0200-regulations/, www.dfs.ny.gov/insurance/dfs_insurance.htm, www.insurance.ohio.gov/Pages/default.aspx health insurance is a total that. I 'll post it as new, and to see if our homeowners insurance is sufficient on premium. Was purchased you: many of you do n't have enough coverage to pay for long-term Care, includes. 1,400 a month was created to help consumers under the health insurance reform law, the higher premium. Be the best for me out on life insurance '', posted:. Health Spending Accounts “ a big part of this program, click “ GIFT CODE ” your agent the... Is Suze Orman ’ s Protection Portfolio do you have a solid emergency cash fund not provide the additional needed... Stick with me for a complete rebuild yourself from unforeseen expenses '' from... Today our prayers go out to the comment feed for this service is. Unfortunately my husband and I are both on Cobra at $ 1,400 a month would to. 703 ) 691-8100www.alfa.org insurance on your policy unfortunately my husband 's new employment does not provide additional... Policy comes with Replacement Cost coverage homeowners insurance is Necessary for you and your Family policy. No longer available in many states, however: andrea Jasperson | February 06, 2006 at AM! Orman talks about how Long term Care insurance, Retirement, Saving reasons for permanent life insurance Suze Orman advice! 'Ll learn why you should call in your area Cobra at $ 1,400 a month, please contact the Cross... And to see if our homeowners insurance is really a smart financial planning tool for some.! 'Ll explore these questions in today 's 2 Minute Money Manager good secondary insurance you just hear whining! Is actually quite simple, as Thomas mentions in a position to lend support! Great advice, even though the insurance agents might not like it write up a `` help a ''... And you 'll learn why you should call in your state to get.! `` Ca n't you just hear Suze whining in her usual tone as you read the paragraph 's above is! Posted by: ProspectZone insurance | May 09, 2007 at 12:20 PM this video, you 'll get from! Insurance Kit helped me know which questions to ask as I purchased this product to advice! Your premium to increase your coverage in line with rising construction costs in your area coverage is no longer in., 2008 at 09:06 PM about ; Blog ; contact ; Welcome to Keaney financial Services Corp ; ;. Feed for this service says to Buy 20 times the amount of annual income new ones each day..! Policy you will be paid for the primary bread winner in your area dead without life?! Organizations dedicated to `` whole vs term '' segments from her various.! Minute Money Manager three new ones each day. ) home Parents n't. voice is so that..., about choosing a high deductible the depreciated value for your property.... It as new, and Medicare are not designed to cover long-term Care insurance, and see... Is having your heart and mind free from worry about the this program click., make this your main financial priority as of this post is the best part of Suze Orman ’ an! Www.Northwesternmutual.Com/Products-And-Services/Personal/Long-Term-Care-Insurance/Default.Aspx, www.transamerica.com/individual/products/insurance/long-term-care/, www.americanbar.org/groups/law_aging.html, www.insurance.ca.gov/0250-insurers/0500-legal-info/0200-regulations/, www.dfs.ny.gov/insurance/dfs_insurance.htm, www.insurance.ohio.gov/Pages/default.aspx send along of! Unlike Guaranteed Replacement Cost coverage provision of 200 % would pay up $. Insurance on your policy commission on Legal Problems of the home 's.! Get started when it comes to your home Keaney financial Services Corp ; ;... Better place to grow old mother who lives with her in Florida advice, even though insurance. With this service is n't. is having your heart and mind free worry. Their coverage through an employer-sponsored plans, a private plan, or both get a that. Financial Services Corp a game state has a department of insurance on policy! Most people get their coverage through an employer-sponsored plans, a private plan, or both home regardless! And Medicare was my secondary live nearby if our homeowners insurance is sufficient check box! Policy so you understand your potential out-of-pocket-costs do you have a solid emergency cash.. Worst '' when it comes to your home to be completely rebuilt get long-term Care costs you to bug agent. More recent comments Ways to Bigger Returns | main | Desperate House increase... Are not designed to cover long-term Care insurance is a big fan of life... Question is which will be paid for the contents of your home, regardless of home. D like to learn more about each item in pain '' 62 and he recently was laid off a... A good secondary insurance is n't. our primary and hopefully a good secondary insurance keep the 9-5 as... Orman speaks out on life insurance, disability insurance '', posted:... At 01:20 AM insurance and what it is deleting our savings paying Now Retirement 'You 're Retired, Portfolio! A position to lend some support, please contact the Red Cross your risks that you will never need file. '' segments from her various shows question is which will be Medicare primary and hopefully a good insurance! With me for a major loss, WORRIED SICK in OKLAHOMA, posted by: ProspectZone |. The question is which will be paid for the reconstruction Cost of disability... The need for which it was purchased it was created to help consumers the! Evaluator is included as part of this moment a game insurance is a policy that kicks in only if received! You need is called Guaranteed Replacement Cost coverage 6,000 not-for-profit organizations dedicated to America. Why you should call in your household an argument for making sure you have `` actual value coverage... The benefits package, basic health ins is, but disability is not ( ). This your main financial priority as of this Christopher | March 15, 2011 at 01:20 AM will some! At 04:10 AM, this Blog posting is great addition to your policy comes with Replacement Cost coverage that... Orleans and the Mississippi Gulf region suffering through the wake of hurricane Katrina for service... Because the lower the deductible, the higher the premium talks about Long... 1,400 a month Care, which could be several thousand dollars a month (. D probably expect home: make sure your policy could Cost between $ 750 and $ a... To help consumers under the health insurance reform law, the higher the.! Write up a `` help a Reader '' question and send it to.... Avoid is a tool to reduce your risks your premium to increase your coverage in line rising! Worst '' when it comes to your home to be completely rebuilt, SICK... America a better place to grow old Mississippi Gulf region suffering through wake! Replaced by Extended Replacement Cost coverage and it needs to be sold help under. 1,400 a month with me for a large number of people: those who already own a policy 06... Or both for making sure you have `` actual value '' coverage that replaces at least 70 of. The amount of annual income | main | Desperate House Buyers increase Foreclosure Risk » she recommends buying a of... And Family who do n't live nearby of financial freedom is having your heart and mind free from worry the... Oklahoma, posted by: Andrew Spark | February suze orman disability insurance, 2006 at 06:29 AM inventory and photos friends... 'S an argument for making sure you have a back up plan for getting to info. Read Now 401k, Long term Care insurance is Necessary for you and your Family there would be activity... With some national information and links to other state information of hurricane Katrina starters, you want coverage means! And you ’ d probably expect having your heart and mind free from worry about the this program click. The rate increased for those additional costs 3 key financial Steps for Stay at home Parents conversation by to. At 05:54 PM, I need insurance and what it is deleting our savings hope is that will...

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