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About Kali Jo Grove

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So far Kali Jo Grove has created 92 blog entries.

Julia Newman Earns Professional Recognition from Health Insurance Industry

Julia Newman, Director of ASA/Individual Benefits Operations, recently received the Registered Employee Benefit Consultant® (REBC®) designation from The National Association of Health Underwriters. NAHU views this designation as the highest form of recognition in the health insurance industry, demonstrating Julia’s commitment to educational leadership within the insurance profession. The REBC designation was established to acknowledge professional accomplishments in the employee benefits and healthcare-reform fields and distinguishes the recipient as an elite practitioner in the field. Earning an REBC designation is visible testimony to clients that Julia has acquired and maintained the [...]

2022-09-06T15:56:56+00:00September 6th, 2022|
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Buy-Sell Agreements

Have you ever heard stories about family businesses ending up in the wrong hands due to a death in the family or an owner choosing to leave the industry? We have. Nothing is worse than being forced to do business with a stranger and having no way out other than an expensive buyout. So how do you avoid that? How do you prepare for changes in the ownership of your business? With a buy-sell agreement that is funded by life insurance. A buy-sell agreement is a legally binding contract between multiple owners of [...]

2022-09-01T12:03:32+00:00September 1st, 2022|
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Life Insurance and Retirement

Retirement. A time that many look forward to and often seems entirely too far away. We spend a lot of time thinking about and saving for the time in our lives when we finally get to retire but have you ever considered what will happen in terms of your life insurance? The answer to that depends on your life insurance policy. If you have employer-provided life insurance, you have some decisions to make. When you retire and leave your company, that policy ends and so does its coverage. The good news is you [...]

2022-09-01T12:00:45+00:00September 1st, 2022|
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Life Insurance For Minors

When we consider life insurance as adults, we often think about protecting our loved ones after we are gone. Most often we are thinking about covering our debts, paying end of life costs, and providing financial security for the loved ones you leave behind. BUT… Have you ever heard of life insurance for minors? Minor life insurance is life insurance coverage for children ages 0 to 17. It is typically offered in the form of term or whole life insurance; however, some adult policies offer a rider option. With minor life insurance, no [...]

2022-09-01T12:00:45+00:00September 1st, 2022|
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Term Life Insurance 101

Term Life Insurance. What is it and how does it work? To put it simply, term life insurance is life insurance coverage that is purchased for a period of time, typically between 10 and 30 years, and if you pass during that time a cash benefit is paid out to your beneficiary. Term life insurance is usually cheaper than permanent policies and most are “level premium”, which means that your monthly premium stays the same for the entire term of the policy. However, unlike permanent policies, term policies have no cash value, no [...]

2022-09-01T12:00:45+00:00September 1st, 2022|
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New Job? Let’s Talk Life Insurance!

Congratulations! Nothing is more exciting than starting a new job. Your first few days will likely be a whirlwind of getting to know your new coworkers, learning your new surroundings, and getting adjusted to your new role. At some point, it is likely that HR or your manager will provide you with your benefits and ask you to make decisions when it comes to healthcare, 401Ks, and more. It can feel overwhelming at times, let us help make it a little easier when it comes to life insurance. Employer-Provided Life Insurance. Your employer [...]

2022-09-01T12:00:45+00:00September 1st, 2022|
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Life Insurance for Newlyweds

Here comes the bride, here comes the bride… You did it! You survived your wedding day. All of that stress and planning finally paid off and you are married to the love of your life. Congratulations! As you begin the rest of your lives together there are plenty of aspects to consider, from joint bank accounts to where the plates go in your kitchen, combining two lives into one can be a task. Don’t forget to consider life insurance when you are building your dream life together. Life insurance? Yes! Life insurance. Life [...]

2022-09-01T12:00:45+00:00September 1st, 2022|
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Why Your Businesses Needs Cyber Insurance

There has been a 175% increase in cyber-attacks since, 2017.  Experts now predict it’s not IF you get hacked, it’s WHEN you get hacked. You can prepare your systems and operations, but it all takes is one minor mistake and your business could be shut down for days, weeks, or even months. This type of business loss is typically excluded from the normal business insurance that you carry. Cyber Insurance is a separate form of coverage due to the complexities surrounding this type of loss. Cyber insurance is insurance that covers the [...]

2022-08-08T15:08:17+00:00August 8th, 2022|
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Preparing Your Home For Vacation

Summer is here and that means vacations are on the horizon! Whether you are going to a family beach trip or seeking thrills at your favorite amusement park, you don’t want your fun ruined by thoughts of what is going on at home. Give yourself some peace of mind by protecting your home from theft and damage while you are away. Here are some tips to help you prepare your home for your vacation: Appear Lived In. An empty house is an open invitation to intruders. Giving the appearance of activity in your [...]

2022-06-01T14:44:06+00:00June 26th, 2022|
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Insurance Cuss Words?

When we were little, we learned quickly which words were not okay to say. Use one of those “four-letter” words and mom would throw you a disapproving look so quickly! Similarly, to the cuss words we learned when we were little, there are phrases in the insurance industry that when used will cause some disapproving looks… we will call these insurance cuss words. Insurance cuss words are those that misrepresent what the coverage actually protects. Examples of these include: Blanket Additional Insured All Risk Full Coverage Blanket Additional Insured. Typically, we hear this [...]

2022-06-01T14:32:15+00:00June 19th, 2022|
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