Is Coffee Good Or Bad For Your Health?

A cup of coffee in the morning is a long-established ritual for many of us in America. According to Gallup News, nearly two-thirds of all adults in the U.S. drink at least one cup of coffee a day. Average daily consumption is 2.7 cups, a statistic that has not changed since 1999, despite warnings in […]

Can I Lower My Life Insurance Premiums?

A life insurance policy can give you peace of mind knowing that your family will be provided for if anything should happen to you. Unfortunately, many people put off this critical task, in many cases due to concerns about cost. A major factor affecting your premiums is the rating the insurance company assigns you based […]

Your Guide to Medigap and Other Medicare Supplement Plans

Medigap is Medicare supplemental insurance. Private insurance companies sell these policies. They are designed to help cover the gaps in healthcare costs with original Medicare, such as deductibles, co-payments, and co-insurance. It can also help with services Medicare does not cover, including travel outside the U.S. Why You Might Need Medigap Insurance Original Medicare Parts […]

Am I Too Old To Start A 401(k)?

There is no maximum age for participation in a 401(k) plan. As long as you are still working, you are never too old to contribute. If your employer offers group benefits that include a 401(k), you have an excellent way to save for retirement. No matter your age, if you are still working, you can […]

How Do Health Savings Accounts Work?

You may have heard of a Health Savings Account (HSA) and are wondering how they really work. Let’s make it simple. Thankfully, we have pulled together the basics for you. For Individuals and Families A health savings account is a specific type of savings account offered by banks, credit unions, and insurance companies. The account […]

3 Key Differences Between Whole Life Insurance & Term Life Insurance

Insurance can be a confusing subject, and at our local agency, we want to clear up some basic questions for you. Most families put some type of life insurance in place, and figuring out whether they should buy “whole life insurance” or “term insurance” is the big question. These are very different insurance products, each […]

Qualifying For Medicare Before Age 65

When you turn 65, you automatically become eligible for Medicare if you qualify for Social Security benefits or are a citizen or permanent resident living in the U.S. Certain people under the age of 65 may also be eligible for Medicare due to disability. What Qualifies a Person Under Age 65 for Medicare? Medicare is […]

Keep Small Business Health Costs Down: 5 Tips To Stay Healthy In The Workplace

As a small business owner, you are probably well aware of the costs involved in providing health care coverage to your employees and their family members. Even if you do not offer full coverage, there are still a number of expenses that can weigh heavily on you and the profitability of your business. If you […]

10 Summer Tips To Beat The Heat

While it’s true that the elderly, young children, and those with pre-existing conditions are more susceptible to the summer heat, it doesn’t take long for the sun to take its toll on healthy individuals as well. Here are 10 tips that can help you beat the heat this summer: Keep your shades drawn or blinds closed […]

Should You Insure While You’re Young?

Regardless of your age, if you are married or have children, the benefits of life insurance are obvious: you want to continue to provide for your loved ones should the unexpected occur. If you’re young, healthy, and single with no dependents, getting life insurance may be the furthest thing from your mind. No one likes […]