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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Should I Use A Broker, Agent, Financial Planner Or Other Professional To Help Me Buy Insurance?

Should I Use A Financial Planner To Help Me Buy Insurance?

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If you need help defining your insurance needs, consider consulting a Certified Financial Planner (CFP), especially someone who has experience working with people with health conditions.

Licensed CFPs are trained to look at your whole financial picture, including recommending specific amounts and types of insurance you need to protect you from economic loss.

If you use a CFP who receives commissions, you will not have to pay out of pocket. However, while CFP's would violate their code of ethics to recommend insurance you do not need, you may still be left with doubts that the planner cared more about their commission than your need. 

On the other hand, if you use a financial planner who charges fees instead of commissions, the charges could add up. There is time involved in collecting the necessary information from you, doing a thorough needs analysis, and a sweep of the market. You can help reduce the fees by having a speaking knowledge of the insurance in which you're interested.

NOTE: If a particular financial planner does not have access to as many insurance companies as an independent insurance broker, you may not get the best deal on your coverage. 

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