How to Get Health Insurance After Adopting a Child

Welcoming a new member to your family is one of life’s most rewarding and fulfilling experiences. Whether you are adopting a new baby or an older child, adoption is treated as a “qualifying life event” that allows you to purchase health insurance. A qualifying life event triggers a special enrollment period that allows you to […]

Annuities: Pros vs. Cons

An annuity is an insurance product used to plan for retirement. The beauty of an annuity is that they pay out a steady stream of income when you retire, which can be used to supplement your other retirement accounts, or on its own. Annuities have pros and cons: Pros An annuity can provide you with […]

How to Prepare For Your “Welcome to Medicare” Visit

If you are new to Medicare, you are embarking on a new phase in your healthcare journey. One of the first things you will do is schedule a “Welcome to Medicare” visit. Medicare covers this visit. When scheduling this first visit, ensure the medical provider you choose accepts Medicare. When you choose your Medicare plan, […]

How to Brighten Your Employee Benefits This Summer

Summer is on its way, and your employees are looking forward to sunny days, vacation time, and all that warm weather offers. In a competitive job market, your employee benefits are more important than ever – and so are those special perks. Happy employees are loyal employees. Offering fun summer rewards can help keep your […]

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 […]

Family Floater Life Insurance Policy and How They Work

A “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 […]

Common Medicare Questions to Ask

When you become eligible for Medicare, several questions arise. What questions should you ask? And who should you ask? Trying to get answers can be a little more complex than you expect! Most people find it much easier to work with a local agent who can answer your questions clearly, and guide to help you […]

4 Types of FSAs & How They Work

An FSA, or “Flexible Spending Account,” can be an excellent benefit to offer your employees, and to your business bottom line, as the contributions are pre-tax. Several types of FSAs are available: Medical Expense FSA These accounts pay for eligible medical costs, prescription drugs, copayments, deductibles, medical devices, and other costs. Another option, a “limited […]

4 Types of Health Insurance and How to Choose One

If 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 […]

6 Mortgage Protection Myths Debunked

Buying 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 […]