Information and general advice for individuals.

NY Policy Premium Notice

New York Policyholders, A recent Executive Order issued by Governor Cuomo, together with recent amendments to the insurance and banking regulations issued by the New York State Department of Financial Services, extend grace periods and give you other rights under certain property/casualty insurance policies if you are an individual or small business and can demonstrate financial hardship as a result of the novel coronavirus pandemic.  These grace periods and rights are currently in effect but are temporary, though they may be extended further.  Please check the Department’s website for updates. If you are [...]

2020-04-07T19:41:17+00:00April 7th, 2020|

Life Insurance Concerns During COVID-19

By: Matt Tavani As we all work to adjust our lives and routines to more time at home than we would have ever expected, there are some frequently asked questions regarding life insurance that may be on your mind, too. I have life insurance coverage now. What happens if I can't pay my premiums? Like other lines of insurance business, life insurance companies are working to come up with solutions for late payments above and beyond what's already available. The contract that you already have likely allows for a [...]

2020-03-27T20:09:34+00:00March 27th, 2020|

Auto Insurance 101

Whether you are driving a beat-up hand me down from your sister or a brand-new tesla off the lot, your car likely means a lot to you. It is not only a necessity in today’s world, but also something you have worked very hard to obtain. However, with the privilege of owning and driving a car comes risk and responsibility. As a driver, you are responsible for your vehicle and any of your passengers. Should you be at fault for an accident, you are also responsible for any of the damage [...]

2020-01-31T19:35:12+00:00February 16th, 2020|

Let’s Review The Important Stuff!

Let’s Review The Important Stuff! Medicare’s 2020 Annual Enrollment Period (AEP) begins October 15, 2019, and ends on December 7, 2019. AEP applies ONLY to Medicare Advantage Plans and Medicare Prescription Drug Plans. This is the one time of year you can change your Medicare Advantage Plan and Prescription Drug Plan without a Special Enrollment Period. AEP does NOT apply to Medicare Supplements. If you have a Medicare Supplement, you need not worry. Your coverage continues provided you like the plan and pay the premiums! The 2020 Annual Notice of Change (ANOC) should [...]

2019-10-14T17:57:40+00:00October 14th, 2019|

If You Love It, List It!

We have seen tragedy and great loss after events such as tornados, hurricanes, flooding, or even fires. No matter where your home is located, the threat of a catastrophic loss is looming. If this were to happen to you, would you know what it takes to make you whole again? It is important to have a home inventory. This will give you the opportunity to discuss with your insurance agent about what on that list you want to make sure is covered and for how much. This will also aid in the event [...]

2019-10-02T12:54:31+00:00October 2nd, 2019|

College Student Insurance Needs

As college nears and you get ready to send your child off to school things are sure to be busy. Between dorm furnishing, orientation weekends, last minute family dinners, and everything else it is hard not to feel like you are forgetting something. You just want to make sure you have everything in place and that your child will be protected and have a great year at school. I hate to break it to you, but you may be missing the most important piece. Insurance. Insurance can protect your student from the various [...]

2019-08-27T14:57:45+00:00August 31st, 2019|

Student Loans & Life Insurance?!

College move in day is soon approaching and that means you are busier than ever. Between last minute shopping trips, send off dinners, and trying to make sure everything is ready to go you are probably wondering if you have missed anything. The truth is you probably did miss one big thing… life insurance. If your child or you are taking out student loans to pay for school, you may want to consider life insurance. Federal student loans are often forgiven if the borrower dies. However, most private student loans don’t offer the [...]

2019-08-13T19:07:37+00:00August 13th, 2019|

Spring Cleaning and Home Safety

As the weather warms up, we are in the middle of spring. Spring can be a great season full of baseball games, rain showers, and fresh flowers. However, spring also brings with it the damage that winter left behind. Snow and ice can damage your property and it is important to do some cleanup and get ready for the warmer weather. As you spring clean your home, keep the following tips in mind. Clean up Your Yard Yard maintenance can make a large difference in the safety of your property. You should trim [...]

2019-05-01T16:12:28+00:00May 11th, 2019|

Long Term Care Insurance, Do You Need It?

Have you ever thought about what will happen in the future? Often times, as people get older, they can require a little bit of help with everyday tasks. Have you ever thought about who will assist you with these tasks? Who will help to take care of you if you need assistance? How will you pay for these services and this assistance? Long term care insurance can be used to cover a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing, or [...]

2019-05-01T15:33:30+00:00May 4th, 2019|

Cyber Insurance and Everyday People

We live in a technology world. Most people rely on technology to live their everyday life.  Whether it is getting news on our computer, purchasing items online, or using social media sites on our Smart Phone; the average American spends at least 8 hours a week of screen time online.  It is an exciting time to be alive; however, it also a scary time. With increasing technology use comes increasing threats. The technology we all rely on every day gives us a window to the outside world, but it also gives the outside [...]

2019-04-18T14:18:31+00:00April 20th, 2019|