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Getting ready for open enrollment

Open Enrollment is an interesting time with your insurance policy – the year is coming to a close and it’s time to see what the next year brings.  A couple key points for you to consider for open enrollment: Are my needs changing – do I anticipate consuming more or less healthcare next year than I …


Affordable Care Act Metal Levels

What are these metal levels?   The Affordable Care Act (ObamaCare) introduced a lot of new terms into the health insurance dialog. In an effort to make health insurance easier for consumers to understand, every plan sold through the Federally Facilitated Marketplace has a metal designation of bronze, silver, gold or bronze. But what do …


Life Insurance Q & A

Do I need life insurance? If someone would suffer financially at your death, you probably need life insurance. Whether you are the family’s primary breadwinner or a stay-at-home parent, you provide valuable services that would be expensive to replace. How much life insurance do I need? A rule of thumb is to buy life insurance …


Living Benefits of Life Insurance

The death benefit is the core reason to own life insurance. It provides cash to loved ones after you die. But did you know that many policies also offer “living benefits”? A few examples include: Cash for emergencies or opportunities Permanent life insurance policies allow you to accumulate cash on a tax-deferred basis. Accumulated cash …

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