Category Archives: Finance Guide

Split-dollar life insurance is a great benefit and estate planning tool. Here are the facts. Split-dollar insurance is a contract between two parties that shares the benefits and costs of a permanent insurance policy. Split-dollar plans are often between employees and employers. The executive compensation package will include the split-dollar plan. These packages became less common after a […]

Let’s take a look at the most important things we use every day. Our mobile phone will be one of the top five most essential daily utilities. We can’t imagine a day without our mobile device. It supports a regular lifestyle and keeps people connected with the rest of world. It is easy to see […]

Both saving and investing are important concepts to build a solid financial foundation. However, they are not the same thing. Both can help you build a better financial future. However, it is important to understand the differences between investing and saving . The most important difference between investing and saving is the risk you take. Savings typically […]

Are you planning to buy life insurance but don’t know where to start? It’s an important decision that requires careful consideration. With so many options available, it can be overwhelming to choose the right policy for your needs. That’s where a buyer’s guide comes in handy! In this blog post, we’ll explain what a buyer’s […]

Culture and process first; then technology Technology is helping independent insurance brokers and agents gain efficiencies. Vendors and carriers are implementing real-time communications to increase efficiency. With so many processes automated and keystrokes eliminated it is a great time to reflect on the true value of an independent agent. This value revolves around sales. Without a sale, […]

Time and time again, the federal government has imposed the requirement that you have valid insurance coverage. These ideas can help you save a lot on your renewal premium. You are eligible for a No Claim Perk if you have a year of no claims. This is due to your outstanding driving skills. Our company believes that […]

Are you considering living off the grid? Perhaps you’ve already taken the plunge and are enjoying the freedom and self-sufficiency that comes with it. However, one question that often arises is whether or not your off-grid home is covered by insurance. After all, unexpected events can happen even when you’re living a sustainable lifestyle in […]

Agents are required to gather all information about the insured risk in order to fulfill their fiduciary obligations to clients. This involves asking several questions about the characteristics of the risk against which the insured wishes to obtain insurance. The agent must translate all the information to the underwriter for the carrier to which they wish to […]

Many mortgage lenders require homeowners insurance. Numerous states require truck and car insurance. No one needs umbrella insurance. An umbrella policy is not sold by insurance agents. You will need to bundle it with your auto and house insurance. Contact us to get it. Umbrella insurance protects you against liability that is greater than your car insurance and property […]

As we age, the possibility of needing long term care becomes more and more real. Long term care insurance is an option that can provide peace of mind for both you and your loved ones in the event that you require extended medical assistance later in life. But who should consider investing in this type […]