Lincoln Financial Group is Up for a good start this 2015

The group scored 90 out of 100 percent which reflected the company’s commitment to LGBT employees and their families with respect to tangible benefits, practices, and policies.
The company has announced that they has been named Human Rights Campaign’s (HRC) 2015 Corporate Equality Index (CEI)  national benchmarking survey and report on corporate policies and practices relating to lesbian, gay, bisexual and transgender (LGBT) workplace equality, administered by the Human Rights Campaign Foundation.

On the other hand, Lincoln Financial ended the year 2014 by announcing the winners of its Give Thanks photo contest.
The winning photo was submitted by Sommer Pacana of Buffalo, N.Y, with her mom, Renee.

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How to Find The Best Long Term Care Insurance Company

There's a lot of insurance companies that offer long term care, the problem is, how will you know that they are the best and will give you the policy that will suit your needs.

Here are some tips to help you decide the ltci company you need:

Sources:
1. Ask your Friends, family, anyone you know who owns an LTCI policy
2. Read online pages and request for insurance quotes.
3. Ask/ Inquire over the phone

After knopwing different sources where you can get information about insurance companies, the next step is to compare them.

Continue reading:
https://www.linkedin.com/pulse/find-long-term-care-insurance-company-you-rachel-catherine-beter

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John Hancock Expands RPS Business

John Hancock Financial, a US division of Manulife Financial Corporation acquires New York Life's Retirement Plan Services business. Within the first half of 2015, all transactions are expected to close and are subject to customary closing conditions and regulatory approvals.

Donald Guloien, President and Chief Executive Officer of Manulife said that “This transaction, similar to our recently announced acquisition of Standard Life’s Canadian operations, will significantly increase our retirement plans business overall.”
“When completed, these transactions will each accelerate our strategy to grow our wealth and asset management businesses around the world,” added Guloien.

Read the full article here:
http://www.fpsinsurance.com/john-hancock-buys-new-york-life-retirement-division-expands-retirement-plan-services-business/

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Prudential Financial Committed $6.7 million to Containment Efforts

Prudential helps fight and control ebola crisis by committing $6.7 million to containment efforts.
“The Ebola epidemic is the largest in history, affecting multiple countries in West Africa, as well as here in the United States.” stated Lata Reddy, vice president of Corporate Social Responsibility at Prudential and president of The Prudential Foundation.


The Prudential Foundation promised to provide the funds under this distribution:

$6 million in Capital to the UNICEF Bridge Fund
$300,000 grant will go to Doctors Without Borders
$200,000 grant will go to the U.S. Fund for UNICEF
$200,000 grant will go to Newark, N.J.’s University Hospital


Read the full article here:

http://www.fpsinsurance.com/prudential-helps-fight-ebola-crisis-committing-6-7-million-containment-efforts/

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"Spirit of Giving" Campaign of Allianz Life Donates $114,000 to Local Charities

As part of their annual "spirit of Giving" campaign, employees of Allianz life raised more than $114,000 in cash donations last December. “Allianz Life supports organizations that are dedicated to improving the lives of those in our community who need it most,” said Allianz life President and CEO Walter White. “Year after year I am amazed at the passion our employees have for doing so much for others in need.”

Five nonprofit organizations near the company’s offices in Minneapolis received the donations, including 24,000 pounds of food, 24,000 pounds of clothes, 3,000 new toys, 200 books and 100 new bikes.

Read the original article here:
http://www.fpsinsurance.com/allianz-life-spirit-giving-campaign-donates-114000-local-charities/

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Genworth and their Long Term Care Videos with Celebrities on it

The nation's biggest seller of long term care insurance, enlisted actor Rob Lowe and journalist and author Maria Shriver for their new educational video series about long term care planning.

Lowe and Shriver discuss the impact of an aging population and the importance of long-term care planning.

The video series will be available on Genworth's Youtube  page and at http://mariashriver.com/

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Re-planning Your Retirement Plan this 2015

New year is a best time to reflect on your retirement plans and ensure that you have updated your strategies and tactics that will increase the possibility of accomplishing your retirement goals.

You may want to build an investment portfolio that can take advantage of many different potential market scenarios, the reality is that no one can predict what return the market will provide.

Here are some practices that are worth undertaking this new year:

1. Diversify your retirement accounts as well as your investments
2. Review your debt management strategy
3. Insulate your portfolio from unexpected expenses
4. Get some investment advice

Read the full/ original article here:
http://www.marketwatch.com/story/4-retirement-planning-rethinks-for-2015-2014-12-29

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Genworth Launched New Fixed Annuity with Lifetime Rider

A new fixed index annuity with a lifetime income rider was launched by Genworth intended for buyers who plan on setting up a retirement income.

“With defined pension plans becoming increasingly rare, SecureLiving® Growth+ with IncomeChoice rider is a great fit for consumers who are seeking solutions to fund their own retirement,” said Lou Hensley, president of Life Insurance and Annuities at Genworth.

“SecureLiving®Growth+ with IncomeChoice rider can help consumers save for retirement and gives them the added benefit of protection from market losses, growth potential greater than existing interest rates, and guaranteed lifetime income that can keep growing,” added Hensley.

Read the full article here:
http://www.fpsinsurance.com/genworth-launches-new-fixed-index-annuity-lifetime-income-rider/

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2015 New Year Retirement Resolutions

New year is near and it offers you a great opportunity to review your finances of the past year.
This is essential to makeso that you can make necessary changeas to boost your retirement savings and increase the chances of a secure retirement.

Consider these retirement-related new year's resolutions for 2015

1. Try to save at least 1 percent more next year. If you get a raise, redirect part of it to a retirement or investment account.

2.  Investors can defer paying income tax on up to $18,000 contributed to a 401(k) and $5,500 deposited in an individual retirement account in 2015.

3. take advantage of employer contribution to you 401(k) account.

4. Take a look at how much you are paying in fees and expenses on your investments. Consider switching to similar lower cost funds when they are available.


Read the full article here:
http://finance.yahoo.com/news/10-retirement-resolutions-2015-153654127.html

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Retirement Planning: 3 Mistakes you Can Avoid Easily

Retirement planning may be overwhelming, but it is the simple and avoidable mistakes that hurt your returns the most.

Here are three common mistakes that Jason Hall listed on his article on The Motley Fool:

1. Cashing out your 401(k) early.
2. Ignoring "free" money
3. Paying too much in fees

Read the full article to find out what you can do about it:
http://www.fool.com/investing/general/2014/12/07/retirement-planning-3-dumb-mistakes-you-can-easily.aspx

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Boost Your Retirement Savings

According to financial experts you can delay your gratification on purchases, pay off your credit cards and save your raises if you are already behind your retirement savings.

USA TODAY asked financial experts for their five best tips for boosting savings and income now and during retirement:

1. Delay gratification
2. Save 10% to 15% of your annual income.
3. Take advantage of matching contributions.
4. Save your raise.
5. Pay off high-interest-rate credit card debt.

All that said, Fidelity offers this rule of thumb: Save at least eight times your final salary to help increase the odds that you won't outlive your savings during 30 years in retirement.

Read the full article here:

http://www.usatoday.com/story/money/personalfinance/2014/03/18/five-tips-saving-retirement/6561575/

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Retirement Planning - The Biggest Changes for 2015

The retirement planning market has an influx of new financial products, a changing investment market and a variety of legal changes.
There were five changes that occured this 2014 that everyone planning needs to know about:

1) decreased creditor protection for inherited IRAs;
2) introduction of qualified longevity annuities to 401(k)s;
3) a reduction in the number of IRA to IRA rollovers;
4) increased access to annuities in target date funds; and
5) the creation of the myRA.

Check out the full article showing the brief overview of the said changes at:
http://www.forbes.com/sites/jamiehopkins/2014/12/08/5-biggest-retirement-planning-changes-for-2015/

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“Augmented Reality by Transamerica” (ART) - An App For Your Retirement Readiness and Savings Needs

A new augmented reality app was launched by Transamerica Retirement Solutions to help people increase their retirement savings and enhance their retirement readiness.

The app named “Augmented Reality by Transamerica” (ART) is an interactive mobile technology that allows users to watch short awareness and readiness retirement videos.

The app lets users click at a printed advertisement on their smartphones and it gives them an additional digital layer of content.

Learn more about the app here:
http://www.fpsinsurance.com/new-augmented-reality-app-transamerica-promotes-retirement-readiness/

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