It’s not easy to think about the possibility of becoming disabled, suffering a serious illness, or becoming incapacitated. We understand these are difficult topics, but even if you are young and healthy, it may be time to have an honest conversation about disability insurance. This type of insurance coverage can
Many small to medium businesses can get business owners package insurance (often called “BOP”), which simplifies the entire insurance coverage problem. A business owner package insurance policy is more affordable, as there are several forms of insurance in one “package.” All business owners have concerns about staying protected against financial
Though it can be a difficult subject to think about, many of us will need assistance with basic needs of living when we reach old age. Long Term Care insurance (or LTC insurance) protects your savings and your other assets when you reach the point of needing help for everyday
The Health Care Reform Act changed the rules with regard to health insurance plans for business owners, and it’s important you put the right plan in place. We know the rules and can tell you exactly how this law will affect your company, as well as what options could help
Your family depends on you for personal and financial support. Term life insurance is one way you can protect them should you suddenly pass away due to an accident or illness. It’s important to understand how term life insurance works, as well as the pros and cons of keeping this
When the Affordable Care Act (otherwise known as Obamacare) became law, the entire health insurance industry made a massive shift. Insurance plans changed and issues regarding pre-existing conditions were resolved. The problem that exists now is getting enrolled in the right health insurance plan. Whether you use the state or
The need for excellent car insurance is a fact of life. It’s great to get extensive coverage at a low price, and saving your hard-earned money is always a good idea, but one of the most common questions we hear is whether liability only coverage if the right choice. Let’s
After a long and cold winter, it’s time to let in the sunshine, breathe the fresh air, and make your home spotless. A good spring cleaning also keeps your home environment much safer, as cluttered areas can pose a risk of fire. Check your home from top to bottom for
Carbon monoxide (CO) is odorless, colorless, hard to detect, and extremely dangerous. The gas is often called “the invisible killer,” and it is critical that your family is protected from exposure. The CDC reports that there were a total of 5,149 deaths from unintentional carbon monoxide poisoning from 1999 –
Most of us would prefer not to think about what would happen to our families if something happened to us. Life insurance is something we may have to force ourselves to think about, just like a will. The good news is that purchasing a whole life insurance policy can be
