Halloween is upon us and it is an exciting time for children and adults alike! From pumpkin patches to haunted houses to cider mills there is so much to do and the main event for many kids every year is trick or treating. Trick or treating can be a great time for kids but for adults, safety is a top concern. According to the National Safety Council children are more than twice as likely to be hit by a car and injured or worse on Halloween than any other day of the [...]
Original Medicare, Part A, and Part B is a government health insurance program for those who qualify by age or disability. Part A is hospital insurance and Part B is medical insurance. There are some out-of-pocket costs associated with Original Medicare, such as deductibles, coinsurance, and copayments. To help with those costs, there are two commonly used options used to supplement or replace Original Medicare and both are offered by private insurance companies. These plans have significant differences with regard to costs, benefits, and how they work. It is very important to [...]
What is long-term care insurance? Long-term care insurance is different than traditional health insurance. This type of insurance is designed to help pay for personal care services in a variety of settings, including your home, day service centers, hospice care, assisted living facilities, nursing homes, and others. Coverage costs and benefits vary based on your needs. Why do you need long-term care insurance? Currently, the average long-term care claim is nearly three years – costs can quickly run into the hundreds of thousands of dollars. The costs for home health care or [...]
Floods can come in quickly and leave damage and destruction when they leave. Many homeowners know that floods are a concern to have, especially if you live in a flood zone. However, many homeowners make the mistake of assuming that their homeowners insurance covers flood damage. Flood insurance is a separate product from homeowners insurance. Only a flood insurance policy will financially protect you from flood damage costs. Flood insurance is designed to provide an alternative to disaster assistance to meet the costs or repairing flood damage to buildings and their contents. [...]
Do you rent your home or apartment? Have you ever thought about what would happen if your home or apartment were to be broken into, damaged, or if someone were to injure themselves there? This is where renters insurance can be beneficial. Renters insurance is coverage for your personal property against damage or loss, not only where you rent, but also while you travel. It insures you if someone’s injured while they’re on your property and insures you elsewhere while you engage in daily activities. Renters insurance can cover medical payments for [...]
When you think about life insurance you probably think about life insurance to cover your debt, income, children’s education, or funeral costs. However there is another aspect to life insurance that most people do not consider, that is how life insurance comes into play as a business owner and why it is so important for business owners to have life insurance. Whether you built your business from the ground up or inherited it from previous generations, you work hard to maintain the dream that is your business. You likely have employees, family [...]
OPEN ENROLLMENT It is that time of year again. Open enrollment is right around the corner and you may be starting to think about health insurance coverage and what that means for you, your business and your employees. Value of Offering Benefits to Your Employees Health insurance plans can be expensive, so why should you offer these benefits to your employees? Here are some important reasons. Offering health insurance benefits to your staff can help ensure a stable and motivated workforce and lower turnover rates. By investing in your employees and offering [...]
When it comes to life insurance there are different options out there that you can pick from. There is term life insurance which breaks down into a return of premium and traditional and then there is permanent life insurance which breaks down into whole and universal. What does this mean and how do you know which one to select? Term Life John is 33 years old. He is married and has 3 children. John is an accountant. His wife, Erin, stays at home to raise the children. They own a home that [...]
Life insurance is important to protect those you love. You have heard that it can provide financial protection to them when they are grieving you and take away that worry and burden. You want to protect your loved ones and you have decided that you want to get life insurance. You walk into your local agency, sit down, and the agent asks how much coverage you would like. Huh? You have no idea. Let’s break it down together. Do you have any debt? When you pass that debt doesn’t go away and [...]
Life Insurance. It is something that almost everyone needs but no one ever wants to talk about. However, it is really important to talk about and to make sure you are protecting your loved ones. Picture this, you pass away unexpectedly and you didn’t have life insurance or a will. You had always said you would get to that eventually or when you were older. Now your loved ones are stuck dealing with your funeral costs, settling your estate, and their grief from losing you. Wouldn’t you want them to be able [...]
