About Kali Jo Grove

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So far Kali Jo Grove has created 117 blog entries.

It’s Not Too Late To Review Your Group Coverage…

Another year has flown by!  With many group health plans renewing on January 1st, we’re running out of time to review your coverage options.  If it’s been a while since you’ve looked at your policies, there is still time to contact Gannon Associates Insurance for a review.  If you don’t currently offer health insurance to your employees but have been considering it, we may still have time to put a plan in place by January 1st.  If we can’t get things in place on 1/1/22 we can still get your new plan ready [...]

2022-12-05T12:01:18+00:00December 5th, 2022|

Things To Know When Renting An Apartment In The Winter

Winter brings with it plenty of situations with your apartment that may not concern you during the warmer months. When the snow falls and the temperature drops, questions regarding snow removal, heating, property maintenance, and parking come to mind. Here are some things you should know when it comes to renting an apartment during the winter months. Snow Removal. Who is responsible for shoveling the sidewalk and driveway? Are there any city or town ordinances you need to be worried about? Who provides rock salt? When it comes to snow removal and safety [...]

2022-11-27T12:13:32+00:00November 27th, 2022|

Managing Healthcare Costs

One of the major concerns business owners usually have when it comes to offering health care benefits is cost. Healthcare costs almost always go up each year, making it difficult to start or continue offering benefits. Thankfully, there are some steps you can take to help manage costs. Work With an Experienced Representative. You’re not a health insurance specialist, so you should make sure you work with one.  It’s important to find an agent or broker you can trust who has years of experience and access to multiple programs.  A good agent will [...]

2022-11-20T12:02:18+00:00November 20th, 2022|

Thanksgiving Safety Tips

Thanksgiving is a much-anticipated holiday, with the promise of good food and quality time spent with family there is so much to be thankful for. However, if you’ve ever hosted the big meal, you know how much work and time goes into getting everything ready. Make the most of your holiday and stay safe this Thanksgiving with these helpful tips. Fire Safety Make sure your smoke alarms are working. Never leave cooking food unattended. If you must leave the kitchen, even for a short period of time, turn off the stove. Move items [...]

2022-11-06T12:04:45+00:00November 6th, 2022|

Fall Pet Safety

Crisp cool air and changing leaves mean that fall is here and, like us, our pets are ready and excited for a break from the hot, sticky weather of summer. However, fall also brings with it new dangers for our furry family members. From household poisons and new pests to colder weather, it is important to keep some safety issues in mind. Be Cautious of Rodenticides. The use of rat and mouse poisons increases in the fall as rodents seek shelter from the cooler temperatures by attempting to move inside. Rodenticides are highly [...]

2022-10-09T12:04:45+00:00October 9th, 2022|

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|

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|

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|

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|

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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