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Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

What If My Beneficiary Can’t Claim My Life Insurance Money?

What If My Beneficiary Can’t Claim My Life Insurance Money?

Many people purchase life insurance policies to provide for a spouse and children. But what happens if your death arrives while your children are still minors? In that case, the life insurance company cannot pay out benefits until the court appoints a guardian for your minor children. That can be a lengthy process, requiring attorney fees and court costs. Similar problems could arise if your...

Choosing The Health Plan That Works Best For You

Choosing The Health Plan That Works Best For You

There are so many factors to consider when choosing a health insurance plan! How high are the monthly premiums? How large is the deductible? What is the maximum you will have to pay out-of-pocket per year for covered medical expenses? How much is your copay for doctors’ and specialists’ visits? How much of the cost of prescription medications will the plan cover? You need answers...

Understanding The Major Types Of Life Insurance Plans

Understanding The Major Types Of Life Insurance Plans

If others are depending on you as a breadwinner, it only makes sense to have life insurance to protect your family. But shopping for a policy can be a complicated process. Several different types of life insurance are available, which means you have a variety of options from which to choose. Our experienced agent can help you find a life insurance policy that suits your...

Will My Health Insurance Cover Cosmetic Procedures?

Will My Health Insurance Cover Cosmetic Procedures?

Cosmetic procedures are performed to change, restore, or enhance appearance. Health insurance plans rarely pay for elective cosmetic procedures. However, they may cover plastic surgery if it is reconstructive and performed for medical, rather than cosmetic, reasons. When Does Health Insurance Cover Plastic Surgery? Whether your health insurance will pay for plastic surgery depends on the insurance company, the type of coverage you have, and...

Life Insurance Vs. Final Expense Insurance Vs. Mortgage Protection Insurance

Life Insurance Vs. Final Expense Insurance Vs. Mortgage Protection Insurance

Life insurance, final expense insurance, and mortgage protection insurance are all similar in certain ways. They all pay out in the event of the policyholder’s death and they all provide protection for surviving loved ones. Aside from that, they are different types of insurance policies that offer different types of protection. What Is Life Insurance? A life insurance policy is a contract with an insurance...