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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! […]

When it comes to insurance, competition is fierce! With countless providers vying for your attention and dollars, it’s hard to know where to turn. But just how competitive is the insurance industry? In this post, we’ll take a closer look at the landscape of insurers and explore what that means for you as a consumer. […]

In the world of insurance, it’s easy to get lost in the sea of policies and premiums. But have you ever stopped to wonder when exactly insurance companies started operating for profit? As it turns out, the history of insurance is a long and complex one, with plenty of twists and turns along the way. […]