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You might feel overwhelmed when you are buying life insurance. Even the best life insurance companies can feel overwhelmed by industry lingo, which can make purchasing a policy seem overwhelming. You might wonder, when you are shopping for life insurance, what is the face value of that policy? The face value of your policy, also known as […]

“Picture this: you’re sitting in your car, fumbling through your glove compartment for your insurance card while the officer stands impatiently outside. You can’t help but wonder – do I even have to give them my ex’s insurance information? Well, worry no more! In this blog post, we’ll explore whether or not you’re legally required […]

Wealthy individuals use life insurance to achieve various financial goals, such as passing down wealth. Furthermore, this form of policy can also protect their estate against tax increases. An effective first step to creating a plan tailored specifically to your unique financial circumstances and long-term goals is consulting a financial advisor experienced with high net-worth […]

Many mortgage lenders require home buyers to secure homeowners insurance (hazard insurance). It covers things such as structures, loss of use and personal property. Homeowners with mortgages typically add the premium into their monthly payment via an escrow account; however, the benefits of this policy extend far beyond meeting lender requirements. Homeowners’ Insurance Policy Hazard […]

Before the Affordable Care Act was implemented, private health plans sold on the health insurance marketplace did not typically cover mental health services; now however, most of them do. The Affordable Care Act’s (ACA) parity rules mandate that if your health plan offers therapy services, they must do so at an equivalent level as other […]

At traffic stops and routine patrols, police officers will “run” your license plate number to quickly check its insurance status. Thanks to modern technologies like Automatic License Plate Reader (APLR) and in-car computers linked directly to state databases, police can often confirm whether your insurance is valid almost instantly. Maintaining proof of insurance is key […]

Insurance agent appointments are key for both new and experienced agents in order to sell policies, but the process can sometimes be challenging for newcomers due to carrier requirements such as book rolls, experience and success measures, geographic locations and additional qualifications. There are, however, a few items which can aid the process. These include: […]

Are you tired of getting exorbitant car insurance quotes just because of your bad credit? You’re not alone! The harsh reality is, having a low credit score can significantly increase your car insurance premiums. But fear not, there are still ways to secure affordable auto insurance even if you have bad credit. In this blog […]

Are you considering getting a term life insurance policy but wondering if it has cash value? Well, the short answer is no, but don’t let that discourage you! While term life insurance doesn’t accumulate cash value like some other types of policies do, it still offers valuable protection for your loved ones. In this blog […]

Are you approaching your golden years and wondering about how much life insurance coverage you need? Perhaps 30,000 dollars sounds like a good amount to leave behind for your loved ones. But, how much is it going to cost you at the age of 59? Don’t worry, we’ve got all the answers in this post! […]