Annuities have long been the vehicle for safe, yet modest returns on your retirement savings. North American Company has created an annuity that guarantees the principal and a minimum interest rate, while also having the potential to participate in stock market-linked growth.

When purchasing Life Insurance, be sure to factor in inflation for the protection of your loved ones. The chart to the right, illustrates the eroding effect of inflation.

North American Company has created a well written guide that defines some of the differences between Traditional IRA’s, Roth IRA’s, SEP IRA’s, and Tax Sheltered Annuities.

Click the brochure to the right for more information.

Term Life Insurance is the affordable option for providing for your loved ones if you cannot due to death. Level term means that the premium paid remains the same for the life of the policy.

Click the brochure to the right for more information.

The Department of Health and Human Resources has created a comprehensive, yet easy to understand planning guide for long term care.

Their independent, objective Web site helps answers the questions of:

What is Long Term Care?

Who Pays for Long Term Care?

Do You Need Insurance?

How Much Does it Cost?

More information can be found here: National Clearing House For Long-Term Care Information

The Department of Health and Human Resources Administration on Aging has resources for issues that especially impacts Seniors.

The AOA website has useful articles, documents, audio presentations, and video files on subjects including Alzheimer's, Care givers resources, nutrition, and Medicare information.

The brochure link to the right is an overview of the National Family Caregiver Support Program.

More information can be found here: National Clearing House For Long-Term Care Information

The National Family Caregiver Support Program can help with important life needs for Seniors. The commercial on the right provides an short introduction to the program.

The Web site is here: US DHHS Administration on Aging - National Family Caregiver Support Program and their phone number is: 1-800-677-1116

In order to receive the best advice from your health care providers, it is useful to have all of your important healthcare information in one place. The journal provided by the Administration on Aging provides a simple way of organizing your insurance information, medical history, and present treatments and appointments.

The US Department of Health and Human Resources has provided an independent site that can help you locate services available throughout the country.

They also have created a manual regarding Medicare and Home Health Care services that provide the vital information you may need to make an informed decision about your health care options.

More can be found at this site: HHS Medicare Comparison Site

The US Federal government has created a Consumer Protection website specifically for the needs of Seniors.

A wide range of resources can be found here, that include the following subjects:

*Abuse of the Elderly

*Advocates for Residents of Nursing Homes

*Commission on Legal Problems of the Elderly

*Consumer Action Handbook

*Consumer Protection Offices

*Elder Rights and Resources

*Federal Trade Commission Consumer Protection Page

*Financial Crimes Against The Elderly Report

*H.E.L.P - Helping People Meet Aging Related Legal and Care Challenges

*Long Term Care Ombudsman Program*Medicare and Medicaid Protection Against Fraud

*Preventing Fraud and Abuse

*Protecting Your Social Security Number

*Reporting Social Security Fraud

More can be found at this site: USA.gov - Consumer Protection for Seniors