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Must-Know’s When Choosing a Life Insurance Beneficiary

Tips for choosing a life insurance beneficiary Reading Time: 6 minutes Choosing a beneficiary for your life insurance policy is a decision that might not be as easy as you think. A beneficiary receives assets if you die while the policy is still active. But deciding who gets your money isn’t always just a matter […]

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When to Review a Life Insurance Policy

Your life insurance policy can offer assurance and stability for your family should you pass away. But that policy needs to be revised and updated from time to time, especially when a life-changing experience occurs. Review your policy if one of the following events occurs. Having a child Having kids is a lot of responsibility. […]

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Should I Ask for the Cash Price?

IS CASH STILL KING? What happens if a PROVIDER joins a provider network such as a CIGNA HMO or PHCS PPO or BC/BS HMO? Answer: The provider has agreed on “negotiated” pricing for patients with a health plan using those networks. FACT:  Negotiated rates paid by YOUR HEALTH PLAN to doctors are sometimes more than […]

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Baby Boomers

Are you a Baby Boomer?  It’s a fact that from now until the year 2030 10,000 people per day will turn 65. Lucky you! When that happens you will be eligible for MEDICARE. The government’s book on Medicare is in excess of 100 pages!  And it’s boring.  Below is my condensed version, more like a Reader’s Digest article. By the […]

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Yikes! What she found in her medical records was devastating

First off, understand this. They’re YOUR medical records. Recently, someone applying for one of our health plans learned something that truly shocked her. Written in her records was a diagnosis that she has a debilitating muscle disease – and the doctor never told her! You may have a medical condition listed in your medical records […]

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What is TERM insurance?

TERM LIFE INSURANCE is so-named because it is designed to last a specified period of time – a term. You have a TERM in school.  A politician has a TERM in office. WHOLE LIFE insurance is the opposite of term life. It is designed to last a lifetime.  A great benefit is that it accumulates […]

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How to Survive When You Cannot Physically Work

At any given time, a lot of people are out of work due to injuries. I’m sure you’ve thought about the possibility of not having any paycheck coming in. Right? But it’s one thing to be unemployed and another to be physically unable to work.   If you are self-employed or if you are not […]

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Warning – Some Things Your Health Policy Will Not Pay For

There are Certain Types of Medical Treatment Not Covered by Your Health Policy When a serious medical need arises there are often multiple stages that one goes through on the path to recovery. For instance, a stroke victim may stay in a hospital for several days but then will be released to either the care of a […]

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