Your Source for Understanding Personal, Business, Life, Health, Group Benefits, and Medicare Insurance.
Can a Life Insurance Beneficiary Decline

Can a Life Insurance Beneficiary Decline?

The beneficiary of a life insurance policy may not even be aware that they were named in a policy. The owner of the policy has the right to choose whoever they want as the beneficiary, but what happens if the beneficiary does not want the insurance payout? Does he or

Read More »
Traveling Outside the U.S. with Medicare: What You Need to Know

Traveling Outside the U.S. with Medicare: What You Need to Know

Medicare will not pay for healthcare outside the U.S., except under specific rare circumstances. That means in most cases, you are not covered anywhere other than the 50 states, the District of Columbia, the U.S. Virgin Islands, Puerto Rico, American Samoa, the Northern Mariana Island, and Guam.  Under What Circumstances

Read More »
Driving Safely in Heavy Traffic

Driving Safely in Heavy Traffic

Navigating your vehicle in heavy traffic is stressful – and dangerous. To avoid a collision, follow these simple tips for safer driving in heavy traffic.  Relax. You will eventually reach your destination, and being a few minutes late is better than being involved in a collision!  Drive Defensively. Other drivers

Read More »
Beginner’s Guide to Group Long-Term Care Insurance

Beginner’s Guide to Group Long-Term Care Insurance

In their younger years, most people do not consider needing long-term care later in life. However, it is worth considering. Purchasing this insurance when you are young makes it much more affordable. Long term care insurance is purchased as an individual or through a group long-term care insurance plan offered

Read More »
8 Tips to Staying Healthy When Your Family is Sick

8 Tips to Staying Healthy When Your Family is Sick

When your family has come down with a “bug,” you want to avoid catching it. At least one person in the household needs to be healthy so they can care for others! You can reduce the risk of coming down with the flu or another virus. Follow these home healthcare

Read More »
Does Medicare Cover Dental and Vision

Does Medicare Cover Dental and Vision?

Original Medicare does not cover most dental services. This includes cleanings, fillings, extractions, dentures, dental plates, and other devices. Eye exams for glasses or contact lenses are also not covered by original Medicare. You pay 100% out of pocket for these services. However, some Medicare Advantage Plans (Medicare Part C)

Read More »
Commonly Overlooked Types of Business Insurance

Commonly Overlooked Types of Business Insurance

You already have business insurance, but have you overlooked a situation that could put your business at risk? We offer a list of the most overlooked types of business insurance, as well as a brief explanation of each type. Employment Practices Liability Insurance (EPLI): This insurance protects against claims filed

Read More »
Tips for Maintaining Your Roof

Tips for Maintaining Your Roof

You want to ensure the roof on your home lasts as long as possible. Performing basic maintenance can prolong the life of your roof and help you avoid the cost of a new roof for much longer.  Replace Roof Shingles If your roof has missing or damaged shingles, they should

Read More »