Category Archives: Finance Guide

Heather, my client called me and I immediately knew there was something wrong. Her voice was usually upbeat but this time she was trembling. She said that her father had suffered a stroke. He couldn’t talk, thought clearly and was unable move like before. Heather was aware that the roles were reversed and she would now be caring for […]

Since its 2009 model, Nissan’s powerful and sporty model 370Z has impressed owners. However, this top sportscar comes with a steep price. This price could also impact insurance costs. Based on Bankrate’s 2021 study, the average cost of American car insurance is $1,674. The 370Z’s full coverage averages at $2,359 per year. 2020 was the end of production for the […]

What if you and your adjuster/insurance agency are still at a deadlock over the value of your property after all that you have done? Now it’s time to invoke your insurance policy’s Appraisal Clause. The Appraisal Clause can be found in all insurance policies. It was created to provide a process for disputing amounts to be settled […]

Mythology and misinformation are rampant in life insurance. This article will dispel some myths and give useful information to assist consumers in making rational decisions about the purchase of life insurance. An earlier article, “Why Buying Term Insurance and Investing The Difference Is A Big FAIL!” was published. In an earlier article (“Why Buying Term and Investing […]

ANNUITY (PERIOD) CERTAIN An Annuity Certain is a designation that specifies the number and amount of benefits paid. This option guarantees that an insurance company will only pay a certain amount on an annuity. An annuity includes a Death Benefit, which allows payment to the beneficiary to be made upon the death of the annuitant. This benefit […]

Why should we purchase insurance? Answers may vary depending on the needs of each individual. It could be used to provide financial protection. Some people use it as a way to save taxes. There are many insurance plans on the market that cater to different needs. Therefore, one should not buy insurance just because they need it but […]

Your workplace life insurance policy may not be enough if anyone relies on your income or the care you provide. If you are going to die, life insurance is a must. You may not have enough coverage if your only source of coverage is through your employer. Thankfully, purchasing life insurance has been made easier by […]

It is not easy to educate and communicate with employees about the benefits offered by their employer and broker(s) before the “Enrollment Period”. The Employer and Broker must collaborate to make the Benefit Plan Design, the Programs, and/or Services clear and understandable for the employees and their families. Effective “Group Meetings”, including preparation and follow-up, can have […]

Are you in need of new glasses but don’t have insurance? Don’t worry, there are plenty of options out there for you! From affordable online retailers to trendy brick-and-mortar stores, we’ve got you covered. In this blog post, we’ll explore some of the best places to get glasses without insurance and provide tips on how […]

Are you in the market for health insurance and wondering if Kaiser Permanente is the right choice for you? Look no further! In this blog post, we’ll give you all the information you need to make an informed decision about whether or not Kaiser Permanente is the best fit for your healthcare needs. From what […]