Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
What is a Catastrophic Health Insurance Plan?
Posted: May 10, 2022
What is a Catastrophic Health Insurance Plan?Health insurance is a crucial way to protect your health and comes in many forms, one of which is called a “catastrophic health insurance plan.” These plans have a significant advantage – they are affordable and protect you in worst-case scenarios. These plans do not cover everything that many other health insurance plans cover, but for people who rarely visit a physician and are generally...
Family Floater Life Insurance Policy and How They Work
Posted: May 7, 2022
Family Floater Life Insurance Policy and How They WorkA "family floater" plan provides life insurance coverage to all family members. These policies are a smart choice for many families. Also called "family life insurance," your entire family has life insurance with a single policy, a far simpler and more efficient process. Life insurance policies are typically purchased to cover the parents. If one of the breadwinners for the family should suddenly pass away,...
4 Types of Health Insurance and How to Choose One
Posted: April 25, 2022
4 Types of Health Insurance and How to Choose OneIf you need to buy health insurance, you can choose from four basic types of policies. These policies vary in monthly cost, benefits, and deductible. The Affordable Care Act The Affordable Care Act (ACA, or “Obamacare”) made it impossible for health insurance companies to deny you health insurance due to an existing condition. Whatever your current state of health, you have the right to purchase...
6 Mortgage Protection Myths Debunked
Posted: April 22, 2022
6 Mortgage Protection Myths DebunkedBuying a home is one of life’s most significant, and expensive, milestones. When you find the ideal property, you will be required to jump through several hoops to get a mortgage. Some home buyers are required to purchase mortgage insurance, while others choose to purchase mortgage life insurance – there are two distinct products. Before investing in any mortgage protection insurance, get the facts and...
Common Reasons Disability Claims Are Denied
Posted: April 10, 2022
Common Reasons Disability Claims Are DeniedYou have disability insurance to protect your loved ones should you become disabled and can no longer earn a living. It is important that you understand the most common reasons disability claims are denied before purchasing a policy. You Filed for Benefits Too Late. Long-term disability insurance policies require that you file a claim within a specific time frame. Should you fail to file within...