Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Health Insurance Options For The Self-Employed
Posted: September 10, 2019
More Americans today are making the decision to be self-employed. Although this course of action has many advantages, sourcing your own health insurance is not among them. With the rising costs of healthcare, health insurance is essential for everyone, including the self-employed. If you go uncovered, you may have to pay costly medical bills out of pocket, losing the opportunity to have affordable access to...
Voluntary Term Life Insurance Vs. Voluntary Permanent Life Insurance
Posted: September 7, 2019
Voluntary life insurance is an optional benefit offered to employees by employers. It pays cash benefits to a beneficiary upon the death of the insured. In exchange for the employer’s guarantee of payment of these benefits, the employee pays a monthly premium. Typically, employer sponsorship makes premiums less costly than for individual life insurance policies. Types Of Voluntary Life Insurance Employers can provide two types...
Gym Alternatives: How To Keep In Shape Anywhere
Posted: August 29, 2019
We all know that regular exercise is important for overall health. An active lifestyle that includes exercise and healthy eating can even help you get better rates for health insurance and life insurance. (Speak with one of our experienced agents for more information about how you can lower your premiums.) Some people don’t like to go to the gym for exercise, while others simply don’t...
How Does My Life Insurance Provider Keep Up To Date With My Health?
Posted: August 27, 2019
The right to privacy is a bedrock of American values. However, for purposes of life insurance, privacy does not extend far. Your insurance company receives information from your healthcare providers and other sources and shares it with other insurers. Lifestyle changes and health conditions can affect your policy and rates. How Can Health Information Affect Your Life Insurance Policy? Insurance companies use underwriting standards to...
Understanding Long-Term Care
Posted: August 15, 2019
It may not be wise for people over the age of 65 to rely on Medicare or private health insurance. Medicare does not cover custodial care, and private health insurance rarely pays any long-term care costs. Depending on your financial situation, long-term care insurance may be your best option for peace of mind and financial benefits as you age. What Is Long-Term Care Insurance? Many...