Bradshaw & Weil Insurance & Financial Planning BLOG
Educational Articles: Answers to Your Real Questions
Personal and Commercial
Is an umbrella policy worth it?
January 23, 2023
Umbrella policies may be appropriate if your assets exceed your auto or home liability insurance limits. While the cost does range based on various rating factors and carriers, the investment…
The Commercial Package Policy
August 23, 2022
Not every business will fit a business owner’s policy. Maybe the business is too large, or the type of business doesn’t qualify. Whatever the reason, there are still options for…
The Business Owners Policy
August 9, 2022
The businessowners policy (BOP) is a commercial package policy that provides property and liability coverage to certain types of small businesses. Most commercial insurance companies that offer BOP policies have…
Ways to Avoid Parking Lot Fender Benders in Paducah
June 21, 2022
Parking lots in Paducah– we love the convenience but hate the frustrations, especially when people are driving too fast, backing out of spots without looking and otherwise modeling bad parking…
Replacement Cost Limits and Inflation
June 7, 2022
You may have noticed that the dwelling coverage limit on your homeowner’s insurance policy increases a little bit every year. This is due to inflation. Your dwelling limit is calculated…
Tips for Driving Safely in Your RV
May 24, 2022
With summer in full swing, it’s a great time for an RV vacation. Whether you’re heading to Kentucky Lake or planning your getaway a lot farther from home, you’ll want…
4 Key Home Insurance Coverages
May 10, 2022
Homeowner’s insurance is an important part of your asset protection plan. It has many moving parts that you need to be aware of to ensure you are properly protected. For…
Med Supp, Life, Annuity
What is a lower risk investment with the potential for higher return?
December 27, 2022
Talks of recession and the volatility of the stock market right now have many people looking for “lower risk” investments. The truth is investing involves risk. There are risks we…
How Are Annuities Impacted in a Recession?
November 22, 2022
In times of recession, it is understandable that we would start looking for ways to cut expenses and conserve our assets. Especially as we plan for our retirement. The hard…
How Do Annuities Payout?
November 8, 2022
Annuities are an insurance product designed to protect your principal while providing some opportunity for growth. Fixed annuities are designed to have less downside risk than investing directly in the…
The Difference in Open Enrollment, Annual Election and Guaranteed Issue Periods
October 18, 2022
Around this time of year, you will start hearing the terms “medicare” and “open enrollment” everywhere you turn. You’ll see famous celebrities endorsing certain companies and plans on the TV.…
The Differences in Medicare Supplements & Medicare Advantage Plans
October 18, 2022
To truly understand the difference between a Medicare Supplement and a Medicare Advantage plan we recommend you to speak with a licensed insurance agent. A general guide is that a…
How to obtain Prescription Drug coverage
October 11, 2022
There are two different ways to get prescription drug coverage. The first is if you choose to take original medicare and add a medicare Supplement you will also need to…
Can I cash in a life insurance policy?
September 27, 2022
With inflation on the rise, consumers are looking at ways to cut costs and buffer their savings. Some are turning to their life insurance policies to provide extra cash. It…
When Should I Purchase Life Insurance?
September 9, 2022
Many people think they already know the answer to this question. The typical recommendations for purchasing some form of life insurance are the following major life events: Getting married Having…
Investment/ Wealth Mgt
Why is Financial Planning Important?
December 13, 2022
When you hear the term financial plan your mind may go to budgeting. Understanding and keeping tabs on your expenses is certainly a part of a financial plan, but it…
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