Is an umbrella policy worth it?
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…
What is a lower risk investment with the potential for higher return?
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…
Why is Financial Planning Important?
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…
How Are Annuities Impacted in a Recession?
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?
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
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
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
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?
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?
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…
The Commercial Package Policy
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
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…
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