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What Happens If I Outlive My Term Life Insurance Policy

Term life insurance is one of the most cost-effective ways to financially protect your loved ones during your working years. It offers a guaranteed...

How Can a Medicare Agent Help Me?

Choosing the right Medicare plan can feel overwhelming. Between enrollment deadlines, coverage options, and complex rules, it’s easy to make a...

What If I am Already Enrolled in Medicare?

Many people think once they’ve enrolled in Medicare, their coverage is set for life. The truth is, Medicare plans change every year — and so might...

What is the Medicare Annual Enrollment Period (AEP)?

If you’re enrolled in Medicare, one of the most important times of the year is the Medicare Annual Enrollment Period (AEP). This is the window when...

What to Do If You Get a Surprise Medical Bill

Susan scheduled what she thought would be a routine outpatient procedure, an endoscopy recommended by her doctor. She confirmed the hospital was...

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Coverage for College Students: Are They Still Protected Under Your Plan?

As a parent, sending your child off to college means you're already thinking about tuition, dorms, textbooks, and meal plans. But what about their...

Does Your Health Insurance Cover Mental Health Services?

Mental health is no longer a fringe topic in health care; it’s front and center. With rising awareness and demand for services, more people are...

The Benefits of Visiting Your Farmers Market this Summer

Farmers markets are popping up in towns and cities nationwide as spring rolls into summer. Strolling through rows of colorful fruits, crisp...

Concierge Medical Care: A New Way To Better Health

Imagine having your doctor just a phone call away, same-day appointments without the wait, and longer, more personalized visits. This isn’t a dream...

Safe Travels: How to Prepare Your Family for an International Vacation

Are you looking forward to traveling abroad this summer, taking a cruise to the Caribbean, or simply visiting our neighbor nations to the north or...

Ocean, Lakes, and Pools, Oh My! Tips for a Safe Summer Around Water

There’s nothing like cooling off with a swim on a hot summer day. But whether you’re headed to the backyard pool, a quiet lake, or the open ocean,...

Understanding the EOB: What Is It and Why Should You Care?

If you’ve ever used your health insurance for a doctor’s visit, test, or procedure, chances are you’ve received something in the mail, your email...

Top 5 Common Insurance Myths and the Truth Behind Them

Insurance is meant to give you peace of mind, but misconceptions often cloud the decision-making process. Let’s debunk five common insurance myths...

Understanding Universal Life Insurance: Is It Right for You?

When it comes to life insurance, few products are as misunderstood as Universal Life Insurance (ULI). While it offers flexibility and long-term...

What is Medicare and Who is Eligible?

Medicare is a federal health insurance program that provides health care coverage primarily for people age 65 and older. It also covers certain...

Questions to Ask Before Choosing an Insurance Policy

Whether you are looking to insure your home, automobile, or your life, selecting the right insurance policy is a critical financial decision....

Understanding Your Insurance Options

When it comes to insurance, making an informed decision can protect your financial future and provide peace of mind. With so many providers and...

The Hidden Benefits of Health Insurance You May Not Be Using

According to a 2023 Kaiser Family Foundation study, 73% of insured Americans don't fully utilize their health insurance benefits, potentially...

Healthy Habits, Healthier Premiums: How Lifestyle Changes in 2025 Can Impact Insurance Rates

As we ring in 2025, there's never been a better time to align your health goals with your financial well-being. Many Americans are discovering that...

Why Insurance Should Be Part of Your 2025 Resolutions

Making insurance part of your New Year's resolutions might sound strange at first. After all, it's certainly not as common as the typical pledges...

New Year, New Coverage: Why January Is the Perfect Time to Reassess Your Health Insurance Needs

As the calendar turns to a fresh year, many of us focus on health-related resolutions such as hitting the gym, eating properly, or managing stress...

Smart Ways to Cut Insurance Costs without Sacrificing Protection

Personal finances can become more challenging as the years go by, and finding ways to reduce expenses without compromising quality is a top...

Year-End Insurance Checklist: Ensure You're Covered for the Year Ahead

As we approach the new year, it's the perfect time to review your insurance coverage to ensure your protection aligns with your current needs. Like...

Life Insurance Myths Debunked: What You Really Need to Know

Have you avoided getting life insurance? Like many others, you may be avoiding purchasing this coverage due to misconceptions - myths that can put...

Why Choosing an Independent Insurance Agent Could Be Your Best Decision Yet

Let's be real – insurance shopping can feel about as exciting as watching paint dry. But what if I told you there's a way to make the process not...

Exploring the Benefits of Whole Life Insurance Beyond Basic Coverage

As an insurance agent, I've seen firsthand how whole life insurance can be so much more than just a traditional safety net. While many people view...

The Critical Role of Life Insurance in a Comprehensive Personal Finance Strategy

In the intricate web of personal finance, life insurance is a fundamental risk management tool that extends far beyond its primary death benefit...

A Layman's Guide to Choosing the Right Health Insurance Plan

Choosing health insurance can feel like navigating a maze of confusing terms and endless options. After helping thousands of families find the...

Prioritizing Preventive Care in Your Wellness Journey

Many of us begin to realize we are getting older when happy hour means a good nap. This is why it becomes increasingly important to focus on...

Brown and White Eggs: What’s the Difference?

Have you ever stood in the grocery store staring at egg cartons, wondering if there's a meaningful difference between brown and white eggs? You're...

DIY Disaster Preparedness Kit: Make your own disaster preparedness kit with these essentials to keep your property and family safe

Disasters can strike unexpectedly, leaving your family vulnerable if you are unprepared. According to the Federal Emergency Management Agency...

Why Supplemental Health Insurance Might Be Worth Considering

As the years go by, our healthcare needs often increase, and so do the associated costs. While many of us rely on traditional health insurance...

The Benefits of Bundling: How Combining Policies Can Save You Money

We've all seen those quirky insurance commercials with talking geckos, overly enthusiastic salespeople, and even time-traveling mascots. While...

Health Savings Account: Is It Worth It Having it?

Are you considering a Health Savings Account (HSA) but unsure if it's the right choice? There are approximately 36 million HSAs in the United...

The Impact of New Technology on Insurance

Remember the 2002 sci-fi thriller "Minority Report," where predictive technology revolutionized law enforcement by reporting crimes before they...

Healthy Living on a Budget: How Insurance Can Help You Save on Wellness Expenses

Life moves fast, and maintaining a healthy lifestyle can sometimes feel like a luxury. But what if I told you that your insurance could be the key...

Protecting Your Investments: The Role of Insurance in Wealth Management

In today's uncertain world, building and preserving wealth requires more than just smart investments. Insurance plays a crucial role in protecting...

Understanding Co-Pays vs. Coinsurance: Making Sense of Your Health Insurance Costs

Navigating the world of health insurance can often feel like looking into the Matrix. To help, I want to discuss two terms that frequently cause...

Insurance Myth Busters: Debunking Common Misconceptions about Coverage

In the complex world of insurance, myths and misconceptions can lead to costly mistakes. Today, we’ll shed some light on four of the most common...

Understanding Your Health Insurance Deductible: Tips for Making the Most of Your Coverage

Health insurance is a complex financial tool. When applied properly, it provides a valuable safety net for your financial well-being. At the heart...

The Evolution of Insurance: Trends and Innovations Shaping the Industry

I've witnessed firsthand the remarkable transformation of the insurance industry over the years. Today, I'd like to share some exciting trends and...

Healthy Habits for the Summer: Tips for Utilizing Your Health Insurance Benefits

As the temperature rises and days grow longer, summer presents the perfect opportunity to focus on your health and well-being. Many of us overlook...

Navigating Insurance Renewals: Tips for Reviewing Your Policies

Insurance policies form a crucial safety net in our lives, protecting our health, homes, and financial well-being. Yet many of us treat policy...

The Future of Work

How remote work is changing job dynamics and tips for working from home effectively The work landscape is rapidly evolving, but remote work remains...

Emergency Preparedness: How Insurance Can Provide Peace of Mind During Crises

“The world is so unpredictable. Things happen suddenly, unexpectedly. We want to feel we are in control of our own existence. In some ways we are,...

Managing Chronic Conditions: How Health Insurance Can Help You Stay Healthy All Year Round

Did you know that according to the CDC, 6 in 10 adults are living with a chronic illness? Living with a chronic condition can be challenging, but...

Aging and Our Body’s Ability to Heal Itself

Our bodies are constantly changing as we age, affecting our overall health and well-being. The changes can be physical, emotional, and/or...

Keeping Health Insurance After a Layoff

Losing your job can be a difficult and stressful time. As the federal government continues its pursuit of keeping inflation at bay, it is expected...

Waking Up to the Impact of Insomnia

Did you know that according to the American Academy of Sleep Medicine, approximately 30% of adults in the United States suffer from insomnia? Of...

How Life Insurance Benefits Women

Did you know there is a gender gap when it comes to life insurance? A recent survey by Forbes revealed that 22% of women do not have any life...

What experts say about raising the retirement age

The social security piggy bank is running low, at least according to lawmakers who are looking for ways to shore up the program’s trust funds. Once...

Coverage for healthcare treatment denied? Here’s what you can do.

Navigating the insurance world can be tricky, especially when you’re faced with a denial of coverage for your medical treatment. While a denied...

Sharing the Road with Cyclists

There are over 47 million cyclists in the United States. Unfortunately, accidents involving automobiles and cyclists have become all too common. In...

Medicaid Unwinding: Your Questions Answered

When the pandemic began, Congress enacted the Families First Coronavirus Response Act (FFCRA). Designed to safeguard employees by extending paid...

Buying Life Insurance for an Elderly Parent?

When an elderly parent relies on their adult children for support, the costs of medical bills, in-home or assisted-living care, and final expenses...

Living Your Best Life After 60

Turning 60 typically marks a new chapter in one’s life. It’s a time to reassess your goals, focus on what brings you joy, and make the most of the...

Buying Health Insurance: A Millennial’s Guide

One of the most important, yet complex products you will purchase as an adult is health insurance. But with a nearly endless list of options,...

Self-Love Ideas for Valentine’s Day

Valentine’s Day is a time to celebrate relationships with significant others. But it’s also important to remember to love and celebrate yourself....

Life Without Clutter

With an empty nest and retirement just around the corner, you might consider downsizing your home. Preparing for your next move and downsizing...

Set Yourself Up for Success with Your Fitness Routine

Starting a fitness program can be a great way to improve your physical and mental well-being, but it’s also easy to fall off track. Here are some...

Winter Hydration – Do I Need It?

We all know it’s essential to stay hydrated during the summer months. But did you know it’s just as important to keep hydrated during the winter?...

I’m 60+; Do I Need Life Insurance?

Well, it’s official: we’re all getting older. We may have thought we were invincible in our youth, but the reality is that we’re all going to kick...

Why Do I Keep Breaking My New Year’s Resolutions?

The concept of New Year’s resolutions dates back to ancient times. The ancient Babylonians are credited with being the first to make New Year’s...

Closing Out the Year with a Smile!

It was Pope George XIII that declared New Year’s Day an official day of celebration in 1582. Early festivities included yelling, hollering, and...

How to Enjoy a Long Layover

For many travelers, the last thing they want to endure is a long layover before continuing to their next destination. But with a bit of planning...

6 Cold Weather Safety Tips

It’s that time of year again – the cold weather is here! Unfortunately, though cold weather offers many fun seasonal activities, it can also be...

10 Tips for Managing Cholesterol Levels

Have you been told you need to manage your cholesterol levels? If so, you’re not alone. According to the Centers for Disease Control (CDC), almost...

How Much Life Insurance Do You Need Right Now?

You know that you need life insurance, but are you sitting in front of your computer wondering how much you need? If so, you’re not alone. There...

3 Top Tips for Better Posture

Proper posture is a must for people of all ages. The benefits of good posture are well documented and include increased confidence, easier...

Building Bone Density for Seniors

Healthy and strong bones serve two essential purposes. First, they support our bodies so we can walk, move, and perform all the wonderful...

Living Outside Your Comfort Zone in Retirement

For many people, retirement is a time to relax and take it easy. But for others, it’s an opportunity to start living outside their comfort zone....

3 Top Habits that Lead to a Happy Life After Retirement

If you’re like most retirees, you’ve dreamed of a life of leisure and relaxation post career life. But even after years of planning and saving,...

Should You Insure Your Gifts?

Gifts are special, as they can mean so much to the person receiving them. But what if something goes wrong with the present? It can be an...

Everything You Need to Know When Retiring Under 65

When it comes to retiring early, everything you need to know boils down to two things: time and money. In this short article, we cannot address...

7 Benefits of Slow Travel

Slow travel means different things to different people. However, it is an alternate approach to what most travelers strive to accomplish during a...

Utilizing Medicare Preventative Services

According to a recent study, two-thirds of beneficiaries are underutilizing Medicare’s preventative services. Are you one of them? Before 2011,...

The Harsh Reality of Credit Card Fees

Credit card fees are a fact of life, and unless you’re planning on never using your cards, you’ll have to accept them. But the reality of credit...

Keeping Your Health Insurance Affordable

The cost of medical care continues to increase at a rapid pace. Learning how to manage your out-of-pocket healthcare costs is essential. One of the...

7 Tips to Weather Challenging Periods in Your Life

Life can be tough sometimes, and it can feel like nothing is going your way. But don’t worry – there are ways to overcome challenging periods in...

What is a Variable Annuity? 4 Key Details You Should Know

If you’re thinking of annuities as a retirement plan option, or are just curious about them, you’ll want to continue reading. Below, we’ll explain...

4 of the Best Ways to Stay Healthy this Summer

Summertime is the perfect chance to go outside and get healthy. Between outdoor activities in the sun to cooking healthy meals, let’s look at 4 of...

How to Prevent Sun Damage to Your Eyes

It is imperative that we all take precautions to prevent sun damage to our eyes. Doing so can substantially reduce the risk of developing eye...

3 Tips for Safer Grilling

The smell of a summertime barbeque is one most Americans long for after a cold, dark winter. Cooking over charcoal, wood, or even on the latest...

When the Sun is NOT Your Friend (What You Need to Know about Sun Exposure)

When you’re over the age of 50, lying in the sun can be a relaxing experience. The warmth can calm you, easing aches and pains. However, the sun...

Tips to Avoid Stress Eating

We all experience stress in our lives, especially as adults. And when we become stressed, we naturally seek ways to relieve the anxiety and...

Common Exercise Pains – How to Work Past Them and When to Call for Help

In physical fitness, pain can be a signal that something’s wrong with your body and may have nothing to do with your actions. For example, if you...

Signs Your Identity Has Been Stolen (and what to do about it)

In the U.S., a person’s identity is stolen every two seconds. A thief might use your personal information to open new credit accounts, enter a cell...

How Does Inflation Affect Life Insurance?

Supply and demand drive our economy. But when these two variables become misaligned, something must give. Inflation will likely follow if the...

Know the Benefits of Walking

We know exercise is inherently good for us. But you don’t have to be a professional bodybuilder or Olympic athlete to reap the benefits of...

Do Brain Food Supplements Really Work?

Humans are living longer. Life expectancy reached nearly 79 years old in 2014. This represents a 13% increase from 1959, when US citizens were...

Ways You Can Spend Less on Gas

Increasing gas prices affect everyone. The impact is especially significant for families whose livelihoods are dependent on driving to and from...

What Are Alternatives if LTC isn’t Right for You?

Almost 70% of Americans aged 65 or older will require long-term care. This type of care includes non-medical services such as bathing, dressing,...

4 Tips for a Less Stressful Summer

Not all stress is bad. After all, in certain situations, stress can be life-saving. Also known as our “fight-or-flight” response, stress exists as...

The Last Guide to Chair Yoga You’ll Ever Need

No matter what age or skill level you are, yoga can provide both physical and mental benefits. Chair yoga simply modifies traditional yoga...

Sleep Care is the New Self-Care

Everywhere you turn there is a new self-care trend. A new cream to smooth wrinkles, dietary supplements to improve digestion, workout regiments to...

Understanding Term Life Insurance Convertibility: Your Future Self May Thank You

Term life insurance is one of the most popular and affordable ways to financially protect your family. It provides coverage for a specific period,...

Rip Tides: What They Are, How to Spot Them, and What to Do If You're Caught in One

Whether you live near the coast or plan to visit the beach this summer, understanding rip tides is important for you and your family’s safety. Rip...

Tips for Making Dinnertime Special

Does your family treat dinnertime as just another task on an ever-growing to-do list? For many families across the country, dinner has become just...

Key Man Insurance Explained: Coverage, Structure, and Tax Implications

Every business has that one person, or maybe even a few, whose knowledge, relationships, or leadership is critical to daily operations and...

7 Ways to Improve the Quality of Life of Seniors You Care About

smiling senior couple walking with golden retriever dog in park Quality of life is defined by an individual’s physical, mental, and emotional state...

Walk First, Wander Later: The Travel Hack You’ll Wish You’d Known Sooner

When it comes to traveling, most of us fall into one of two categories: plan everything minute-by-minute, or just wing it. But what if there is a...

Ways to Get the Best Health Care

Our health care system provides some of the best health care in the world. However, ensuring you receive the best care at the most affordable cost...

ER, Urgent Care, or Virtual Visit? Where to Go and What It’ll Cost You

When unexpected health issues arise, it can be easy to panic and head straight for the emergency room. But depending on the situation, there may be...

Adapt Your Home for Safe Mobility

As you age, your needs change dramatically. These changes can affect everything from the frequency with which you drive, to the interior design of...

Bikes, Kayaks, and Rooftop Gear: What Your Insurance Covers

Summer road trips often mean loading up your vehicle with extra gear. Bicycles on a hitch rack, kayaks strapped to roof rails, and storage bins...

Why Gardening is Good for Your Health

Gardens have been used in therapy at hospitals for thousands of years. In the early to mid-1800’s, Florence Nightingale, considered to be the...

Term Life Insurance vs. Accidental Death and Dismemberment: What’s the Difference?

If you’re exploring ways to protect your family financially, you may come across two common options: term life insurance and accidental death and...

Best Nutrition Apps

Your smartphone is a valuable tool that can help you track calories, monitor your intake, and follow a diet targeted to your specific needs. Eating...

Top 10 U.S. Roadside Attractions to Visit this Summer

One of the joys of a summer road trip is stumbling upon those quirky, larger-than-life roadside attractions that turn a simple drive into an...

Reducing Stress Through Music

Music is one of life’s greatest joys, and it has amazing health benefits too! Whether you are playing an instrument or appreciating your favorite...

Beat the Heat: Smart Ways to Stay Cool All Summer Long

When summer temperatures soar, staying cool isn’t just about comfort; it’s about staying safe. Heat exhaustion and heat stroke are real concerns...

Spring into Wellness: How to Boost Your Health and Energy this Season

Spring is here, and it's the ideal time to focus on improving your health and boosting your energy levels. With optimism in the air as the flowers...

How to Live Without Regrets

Regret is unavoidable in life, but that does not mean you are forced to carry it forever. There are lessons to be learned from our greatest...

Term Insurance: A Smart Way to Secure Your Family’s Future

When you say "I do" or welcome a child into your life, your financial responsibilities fundamentally change. Someone else now depends on your...

Why Some Doctors Prefer Patients with Medicare Supplement Plans

As more Americans age into Medicare, the choices between Medicare Advantage and Medicare Supplement (Medigap) plans have become increasingly...

Understanding the Unique Challenge

As parents of children with special needs, you face a profound question that likely keeps you awake at night: "Who will care for my child when I'm...

Breathe Easy: The Surprising Benefits of Houseplants in Your Home

Houseplants are an excellent addition to any home. But did you know that, besides looking great, they can improve your health and well-being? From...

Power Foods that Lift the Spirit

Need a pick-me-up? Consider eating one of these power foods. They are packed with vitamins and nutrients that are scientifically proven to improve...

Flexible Spending Accounts: A Smart Tool to Save on Health and Dependent Care Costs

When it comes to managing your out-of-pocket health care and dependent care expenses, you may be overlooking one of the most effective tools...

Would You Bet $7,000 on Your Health This Year?

When it comes to health insurance, High Deductible Health Plans (HDHPs) often stand out for one big reason: lower monthly premiums. But are HDHPs...

Why Your Dentist Might Be Your Most Important Healthcare Provider

Let’s be honest, few people look forward to visiting the dentist. The chair reclines a little too far back, the suction tube makes weird noises,...

Benefits of Grateful Living

One of the world’s greatest storytellers, Greek fabulist Aesop, may have summed it up best – “gratitude turns what we have into enough.” Being...

Remote Activities You Can Do with Your Grandkids

If there is one thing the pandemic has taught all of us, it is how to use technology to bring us closer together. Before the coronavirus, online...

Post Pandemic Travel Tips

As much as we want to, the year 2020 will not soon be forgotten. But with the one of the most extraordinary years behind us, many are looking...

Exercises for a Sedentary Lifestyle

As technology marches on, the need for us humans to be physically active diminishes more and more every day. Most individuals no longer received...