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- Alzheimer’s Caregivers at Risk for Depression
- Inflammatory Bowel Disease May Put You at Risk for Alzheimer’s
- Why More Women Than Men Get Alzheimer’s Disease
- Stress May Increase Your Alzheimer’s Risk; Take Steps to Reduce It
- Sleeping Pills May Increase Your Dementia Risk
- Poor Vision May Increase Your Risk of Dementia
- Stay Social! Being Alone Can Increase Your Alzheimer’s Risk
- High or Low Blood Pressure May Raise the Risk of Dementia
- How Alcohol Might Affect Your Dementia Risk
- The Hidden Costs of Alzheimer’s Disease
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- Being Overweight May Be Bad for Your Brain
- Heart Risks Tied to Increased Dementia Risks
- ‘A4’ Study Links Beta-Amyloid to Early Alzheimer’s
- Stay Social! Being Alone Can Increase Your Alzheimer’s Risk
- Depression Increases the Risk of Alzheimer’s Disease
- Poor Sleep Tied to Rise in Alzheimer’s Protein in Blood
- Air Pollution Tied to Alzheimer’s Brain Changes
- The Tau of Alzheimer’s
- Anemia Tied to Alzheimer’s Risk
- ‘Squeezed’ Blood Vessels in the Brain May Contribute to Alzheimer’s Onset
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- A Reminder to Keep Taking Your Blood Pressure Medications
- Take Your Blood Pressure Meds. It May Reduce Your Alzheimer’s Risk.
- Drug Company to Pursue Approval of Aducanumab, New Drug for Alzheimer’s
- Drugs May Not Be the Best Choice for Easing the Agitation of Alzheimer’s
- Alzheimer’s Drug May Lead to Life-Threatening Muscle Disease
- Opioid Painkillers Increase Pneumonia Risk in People With Alzheimer’s Disease
- Drug Companies Halt Trials of Aducanumab for Alzheimer’s Disease
- Diabetes Treatments May Help Ward Off Alzheimer’s Disease
- Can Mushrooms Help Your Memory?
- Buyer Beware: Dietary Supplement’s Won’t Cure Alzheimer’s Disease
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- Brush, Floss and Visit the Dentist to Lower Your Risk of Alzheimer’s Disease
- How Music and Film Can Teach People About Alzheimer’s Disease
- Deep Sleep May Help Protect the Brain Against Alzheimer’s Onset
- Flu and Pneumonia Vaccines May Help Protect Against Alzheimer’s Disease
- Fish as Brain Food, Combating the Effects of Pollution
- 5 Ways to Lower Your Alzheimer’s Risk
- Modest Amounts of Fruits and Vegetables May Lower Your Alzheimer’s Risk
- Processed Meat and Starchy Foods, Particularly in Combination, May Raise Dementia Risk
- Stay Social! Being Alone Can Increase Your Alzheimer’s Risk
- A Daily Aspirin May Have Limited Brain Benefits
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- A Blood Test for Alzheimer’s? It May Be Coming
- The Ups and Downs of New Treatments for Alzheimer’s Disease
- A Rare Genetic Mutation May Protect Against Alzheimer’s
- Income Drops in Young Adulthood May Impair Brain Health
- Blood Test for Alzheimer’s Grows Closer
- Are We Getting Closer to an Alzheimer’s Vaccine?
- Why More Women Than Men Have Alzheimer’s Disease
- Scientists get a ‘total surprise’ and a promising new clue for how to cure Alzheimer’s
- Some 44 Million People Have Alzheimer’s Worldwide
- Nearly 14 Million Americans Will Have Alzheimer’s Disease by 2060
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- Fisher Center in Top 1% of Charities Again
- Important Message from Us to You during COVID-19
- Lucretia V. Holden promoted to Executive Director at the Fisher Center
- The Fisher Center for Alzheimer’s Research Foundation Earns Coveted 4-Star Rating from Charity Navigator for the 8th Consecutive Year
- Fisher Center For Alzheimer’s Research Foundation Wins Fall 2018 Digital Health Awards®
- Fisher Center for Alzheimer’s Research Foundation Earns Gold Seal of Transparency from GuideStar
- The Fisher Center for Alzheimer’s Research Foundation Earns Coveted 4-Star Rating from Charity Navigator for the 7th Consecutive Year
- Hear Kent Karosen, President and CEO of the Fisher Center for Alzheimer’s Research Foundation, describe his new book and the power of art therapy
- Fisher Center Scientists link a Mutation That Protects Against the Development of Alzheimer’s Disease
- Newly Inducted Into the Basketball Hall of Fame, Shaquille O’Neal, Joins the Fisher Center for Alzheimer’s Research Foundation to Raise Funds for Groundbreaking Research in the Quest for a Cure
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Life Insurance
August 31, 2010
Why is life insurance important?
Life insurance can be an important asset for everyone, especially someone with Alzheimer’s disease. The long-term costs of health care and nursing care can quickly make a dent in a family’s savings and may lead to financial suffering. Life insurance can help protect your finances for your heirs after your passing, or it can be cashed in to pay for your medical and care expenses if you have a life-threatening illness, like Alzheimer’s.
Even if you are not at risk for Alzheimer’s, life insurance can cover the big expenses after you pass away, like a funeral or memorial, lawyer fees, estate taxes, etc. This means that your family will not need to pay for these services out of their own pockets. Make sure you keep your beneficiary designations up to date so the money goes to the people you select.
Where can I get life insurance?
In many cases, term life insurance is offered as an employee group benefit by your employer. When purchased as a group benefit, the cost is generally much lower and requires less medical information for enrollment than when it is purchased by an individual.
Life insurance can also be purchased from independent insurance companies. It is wise to work with a company you know well and trust, or to find an independent insurance broker that does not work for only one company and can give you a variety of quotes. Make sure you review and understand the summary of any plan you are thinking of purchasing.
How much does life insurance cost?
Depending upon your age and health status at the time of purchase, the cost of life insurance can vary widely. The amount of coverage you purchase will also factor into the price you pay, so make sure you compare policies before you settle on one.
How much life insurance do I need?
The amount of life insurance you will need depends on the amount of money your family will need after your death (for funeral expenses, lawyers fees, debts, mortgage balances, etc.) and how much money your spouse or heirs will need after your passing in order to maintain their standard of living. Also think about your existing resources, such as savings accounts, investment assets, real estate and other assets you already have. The amount of life insurance you need can get complicated, so you will definitely benefit from meeting with a qualified, independent insurance professional.
Can life insurance benefit me while I am still living?
If you are diagnosed with a serious health problem, such as Alzheimer’s, you should contact your life insurance company and ask about accelerated living benefits or “viatical settlements”. Essentially, you are selling your life insurance back to the company or to a third party broker for a percentage of the face value of the plan, but usually not the entire face value, and you are getting the benefits before your death. Each state has its own regulations regarding viatical settlements and death benefits, so make sure you contact your state insurance regulator before taking any settlement.
Settlement money can be used to pay your immediate expenses. Keep in mind that if you cash out your life insurance, the policy is gone and therefore will not be available to your heirs after your passing.
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