Your Source for Understanding Personal, Business, Life, Health, Group Benefits, and Medicare Insurance.
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How to Get Health Insurance After Adopting a Child

Welcoming a new member to your family is one of life’s most rewarding and fulfilling experiences. Whether you are adopting a new baby or an older child, adoption is treated as a “qualifying life event” that allows you to purchase health insurance. A qualifying life event triggers a special enrollment

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Annuities: Pros vs. Cons

An annuity is an insurance product used to plan for retirement. The beauty of an annuity is that they pay out a steady stream of income when you retire, which can be used to supplement your other retirement accounts, or on its own. Annuities have pros and cons: Pros An

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How to Prepare For Your “Welcome to Medicare” Visit

If you are new to Medicare, you are embarking on a new phase in your healthcare journey. One of the first things you will do is schedule a “Welcome to Medicare” visit. Medicare covers this visit. When scheduling this first visit, ensure the medical provider you choose accepts Medicare. When

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Common Types of Surety Bonds & How They Work

A surety bond is a contract that ensures specific obligations are met. These bonds are often required for contractors working on government contracts. They are performance-based. A surety bond is a guarantee between three parties. The parties in a surety bond are: The Principal: The individual who is required to

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Understanding What Your Home Insurance Policy Covers

Understanding your home insurance policy and what it covers is essential but easier said than done. Insurance contracts are written in a legal language unfamiliar to most of us. To understand your coverage, you may want to get help from a local insurance agent. You need to know what is

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How to Brighten Your Employee Benefits This Summer

Summer is on its way, and your employees are looking forward to sunny days, vacation time, and all that warm weather offers. In a competitive job market, your employee benefits are more important than ever – and so are those special perks. Happy employees are loyal employees. Offering fun summer

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What is a Catastrophic Health Insurance Plan?

Health insurance is a crucial way to protect your health and comes in many forms, one of which is called a “catastrophic health insurance plan.” These plans have a significant advantage – they are affordable and protect you in worst-case scenarios. These plans do not cover everything that many other

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Family Floater Life Insurance Policy and How They Work

A “family floater” plan provides life insurance coverage to all family members. These policies are a smart choice for many families. Also called “family life insurance,” your entire family has life insurance with a single policy, a far simpler and more efficient process. Life insurance policies are typically purchased to

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Common Medicare Questions to Ask

When you become eligible for Medicare, several questions arise. What questions should you ask? And who should you ask? Trying to get answers can be a little more complex than you expect! Most people find it much easier to work with a local agent who can answer your questions clearly,

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4 Things to Know About Employment Practices Liability Insurance

Employment Practices Liability Insurance or “EPLI” is a form of business insurance specifically to protect against employment-related lawsuits. While the suit may not be accurate, once filed, you will need to defend against the case, which can prove to be very expensive without this type of insurance. The right Employment

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