If you have a small business that relies on you to keep running, what would happen if you were disabled?  you probably have considered things like your medical bills, wages, and other obvious issues that come into play when you are disabled.  But what happens to your business?  Business overhead expense disability insurance is a…

Read More

  Short Term Disability What You Need Versus What Your Employer Offers When it comes to discussions of disability insurance, the area most focused on is long-term disability.  This is generally because people assume that any sort of short-term disability would be easier to ride out financially, and that they already have coverage for this…

Read More

  Choosing Your Life Insurance Beneficiaries Making Sure All Your Loved Ones Are Covered and Not the Ones You Don’t Choosing the beneficiaries for your life insurance policy is one of the most important decisions you will make.  Life insurance, after all, is meant to protect your family and loved ones.  While your immediate family…

Read More

Accidents and illnesses can happen to anyone at any time. No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses. Health coverage when you need care Simply put, health insurance is a contract between you and…

Read More

Whether your funeral needs are immediate or you are planning for the future, one of the most important questions you can ask is whether a funeral home is independent or is owned by a corporation.  A 2017 report from the Consumer Federation and the Funeral Consumers Alliance which surveyed prices of 103 independent funeral homes…

Read More

One important part of making your final arrangements is making sure you understand – and have made preparations for – your funeral costs.  Before you begin, it’s important to know you have specific rights when it comes to funerals.  The Federal Trade Commission (FTC) first introduced the “Funeral Rule” in 1984 to prevent funeral homes…

Read More

If you’ve ever helped arrange a funeral, you know even the most basic funerals can be difficult to afford. Pre-planning for events you know will occur can help take some of the pain out of the those expenses for yourself and your family. One of the best ways to control these costs is to plan…

Read More

Some companies offer group life insurance, a few at no cost to the employee and several with a small cost.  With some group life insurance plans they are guarantee issue (G.I.) which means there is no health underwriting to qualify.  Most often companies will base the amount of life insurance you are eligible for on…

Read More