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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

How Does My Health Impact My Insurance?

The health insurance industry was radically changed with the passage of the Affordable Care Act. Prior to the passage of this law, a person who had a health condition was typically denied insurance coverage – a financial disaster for families, many of whom were forced to file bankruptcy due to medical bills. It was a monumental change in the health insurance industry when the law...

Do I Have to Choose a Beneficiary? What You Need to Know

When you purchase a life insurance policy, you must name a beneficiary, or several. The listed beneficiary is the person who will receive the death benefits should you pass away before you time. A sudden death due to an accident or illness leaves the family bereft, but the life insurance benefit allows them to move forward without suffering serious financial problems. The benefits are not...

Review Your Policy After These Major Life Changes

If you have life insurance, you are in good shape. However, when major life changes occur, it is time to review your policy and update it to suit your new situation. When to Review Your Life Insurance? Several life events will significantly change your life insurance needs. These include: Getting married: Once you are married, your lives are merged into one, sharing finances and personal...

6 Foods to Help Prevent Dehydration

Across the USA, many people live in communities that are experiencing hot, dry weather. Staying well hydrated is always important, and even more so during the hot summer months. Obviously, drinking plenty of water is vital, but there is more to staying hydrated than just consuming liquids. Electrolytes work to direct water and other nutrients to the cells. Many foods contain water, nutrients and electrolytes...

How to Determine the Right Amount of Coverage Needed

Life insurance – everyone needs it, but how much coverage do you need? Every individual has a unique situation and choosing the amount of coverage requires calculating specific factors. These include the financial obligations that would be left should you suddenly pass away, including: Income replacement: Your loved ones can be left in a dangerous financial condition without the income you bring to the family....