Articles

Is Dental Insurance Worth It If I Only See My Dentist For Cleanings?

We all know the importance of having medical insurance with the rising costs of healthcare today. But what about dental insurance? Is it worth it if your oral health is good, you brush and floss regularly, and you only see your dentist twice a year for a cleaning and exam? Dental Insurance Is Different Than Medical Insurance Dental insurance is a completely different product than...

How A Traffic Ticket Can Affect Your Life Insurance

No one is perfect, and most people get a traffic ticket at least one in their lifetimes. But the truth is, your driving record can significantly affect your life insurance. If you have a current life insurance policy and you get a speeding ticket, it will not affect your rates. On the other hand, if you are applying for a new policy or additional coverage,...

Liquor Liability Insurance Vs. Brewery/Vineyard/Distillery Insurance

Both the popularity and number of craft breweries, vineyards, wineries, and distilleries are on the rise in the U.S. However, these types of businesses can have complicated insurance needs. Any establishment that has a tasting room or serves alcohol needs liquor liability insurance, but that is only the beginning of the coverage you may need. Our knowledgeable agent can help ensure you have the right...

Do I Need To Insure My Boat During The Winter When I’m Not Using It?

If you own a boat, you are not alone if you are wondering why you need boat insurance year round when you are only using your boat in the warmer months. In fact, some boat owners cancel their boat insurance after every boating season to save on premiums. However, this can actually be more costly in the long run. The following are some good reasons...

What Does Being “Vested” In Your 401(k) Mean?

As defined by the IRS, vesting in a retirement plan means ownership. Each employee vests a certain percentage of their account in the 401(k) plan every year. An employee who becomes 100% vested in his or her 401(k) account balance owns 100% of the balance. When this occurs, the employer cannot take it back (forfeit) for any reason. Amounts that are not vested in a...