David A. Iobst, Certified Financial Planner™

CONNECT

Address:

323 Paddington Drive
Bear, DE 19701

Phone:

3026686820

Blog

Why Retirees Still Need Life Insurance

If you think you only need life insurance while you're young and working, think again. While income replacement and debt cancellation are the primary reasons people buy term life insurance when they are young, this blog post discusses 7 reasons why you might want to consider owning permanent life insurance even after you retire.
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A Less Painful Way To Apply For Life Insurance

Looking for a hassle free way to buy life insurance? Are you afraid of needles or don't want the hassle of a physical exam? Life insurance issued on a simplified basis may be the answer. These policies are typically issued without a medical exam. Instead, the applicant answers a series of medical questions. If the applicant answers "yes" to any of the questions, they may not qualify.
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What is Return of Premium Life Insurance?

One of the biggest obstacles to purchasing term life insurance is the "use it or lose it" nature of term life insurance itself.  Consumers may be turned off by the idea of paying premiums for decades and not having anything to show for it because they are still living when the term ends. Enter Return of Premium life insurance.
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Impact of Long-Term Care on Caregivers

I hear it all the time.  "I don't need Long-Term Care Insurance.  My spouse or my children will take care of me."  Time for a reality check!Aside from the psychological and physical toll, there is an economic impact on caregivers (who are overwhelmingly female).  Consider that 65% of older persons with LTC needs rely exclusively on family and friends for their care.  In addition, one national study found the following impact on female caregivers: 33% o
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Check the background of this financial professional on FINRA's BrokerCheck