Business Continuation

Buy-Sell Agreements Funded with Life Insurance

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Introduction: A Buy-Sell / Business Continuation Sell agreement should be considered in every closely held business. This agreement defines the disposition of an owner’s interest in the business upon the specific triggering event such as a partner’s death, disability, retirement or other termination.  This is especially important when the owners want the business to stay […]

Part D Precription Drug

NY State EPIC Drug Plan for Seniors

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EPIC, (Elderly Pharmaceutical Insurance Coverage) is a New York State program for seniors administered by the Department of Health. It helps eligible seniors supplement their out-of-pocket Medicare Part D drug plan costs.  Eligibility requirements are: Resident of New York State Age 65 or older Income up to $75,000 (single) or $100,000 if married. EPIC offers two plans, […]


Top 10 Considerations when Buying Long Term Care Insurance (LTCi)

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Your personalized Plan Design will reflect four important selections: Amount. The maximum daily or monthly benefit.  (Choose monthly. ) Period.  The number of days or months the benefit will apply.  (Maximum ten years.) Inflation Protection. Elimination Period.  The amount of time you will wait after eligibility and before benefits are paid. Listed below are the ten […]