What You Need to Know About the Two Types of Travel Insurance

What You Need to Know About the Two Types of Travel Insurance

The subject of travel insurance often comes up when planning an international trip. Many travel sites will offer users the opportunity to purchase travel insurance as part of their trip planning.  But many of them don’t distinguish between the two types of travel insurance, leaving travelers potentially unprotected. It’s important to know what the two types of travel insurance are, how they differ, and why you might need each one. Trip Cancellation or Interruption Insurance This is the travel insurance most people are thinking of when travel insurance comes to... Read More

Disability Insurance: What it is and Why You Need It

Disability Insurance What it is and Why You Need It

Disability Insurance may be one of the most essential and most overlooked insurance coverages. When it’s time to select insurance benefits, most people think of health, dental, vision and life insurance, but are often slow to consider disability insurance. The reality is that at least one-third of American workers will be disabled and have to miss more than 90 days of work during their careers. And more than one in four can expect a disability that will last a year or more before they reach retirement age. And the vast... Read More

How to Manage Job Stress for a Healthier Life

How to Manage Job Stress for a Healthier Life

Job stress is a fact of life. Whether you love your job or aren’t so happy with it, all jobs create some degree of stress, at least periodically. While it’s rarely possible to eliminate job stress completely, there are many things you can do to help reduce and manage the amount of stress you deal with every day on the job. Unmanaged job stress is a common health complaint, and work is often ranked as a higher stressor than financial troubles and family problems, according to the National Institute of... Read More

Are You Helping Employees to Avoid Distracted Driving?

Are You Helping Employees to Avoid Distracted Driving

Every day, more than 1,160 people are injured in crashes involving a distracted driver, according to the National Highway Traffic Safety Administration (NHTSA). In addition, the NHTSA claims that driver inattention is the leading contributor in most crashes or near-miss accidents in the United States. One of the chief causes of driver inattention is cellphone use. Cellphone use has become commonplace, and text messaging, emailing and conducting business via cellphone have become routine. While the convenience of cellphones can be enormous, problems arise when using a one while driving. A... Read More

Sexual Harassment Policies Can Reduce Small Business Liability

Sexual Harassment Policies Can Reduce Small Business Liability

Following the #MeToo movement, awareness of sexual harassment has increased. In addition, many businesses have placed an increased emphasis on sexual harassment policies and training to prevent sexual harassment claims. Unfortunately, this is not necessarily the case in the small business world. According to the CNBC/SurveyMonkey Small Business Survey of more than 2,000 small business owners, only half of businesses with 5-49 employees had formal sexual harassment policies in place. That number decreased to 39 percent at businesses with less than five employees. That’s a stark contrast to businesses with... Read More

Business Owner’s Policy–What Every Small Business Owner Needs to Know About Insurance

Business Owner's Policy--What Every Small Business Owner Needs to Know About Insurance

One of the critical needs for every business owner is choosing the right business insurance. Too much insurance means money spent that could have been better spent elsewhere. Too little insurance, or the wrong insurance coverage, can mean leaving your business unprotected and open to risk. Choosing appropriate insurance coverage is key to ensuring that the business remains lucrative, especially if any of those risks become reality. A business owners policy (BOP) takes some of the guesswork out of choosing insurance and can make it easier to safeguard your business.... Read More

Your Top 10 Ways to Save For Retirement Now

Your Top 10 Ways to Save For Retirement Now

No matter what age you are, if you haven’t already started saving for your retirement years, now is the time to start. If you’re young, you have the savings advantage of time. Saving for retirement may seem like a strain on your budget right now, but you can start small and grow. Even setting aside a small portion of your paycheck each month will pay off in big dollars later. By starting young, you also can afford to invest more aggressively since you have years to overcome the inevitable ups... Read More

How to Promote Life Insurance for Millennials

How to Promote Life Insurance for Millennials

Benefits packages are an important tool in recruiting and retaining employees. While health, vision and dental benefits are well at the top of the list, life insurance with its promise of financial security for loved ones, is one of the most popular benefit options. As more members of the millennial generation are entering the workforce, however, some are questioning the need for life insurance. A recent survey conducted by the Life Insurance and Market Research Association (LIMRA) shows that only two-thirds of the millennial generation, have any kind of life... Read More

What You Need to Know About Credit Reports

What You Need to Know About Credit Reports

Have you ever applied for a credit card? How about a car loan, a mortgage or a personal loan? If you have then you have provided personal and financial information that is used to create a file about you called a credit report. Credit reports include information about where you live, where you work, whether you have ever been sued, arrested, or filed for bankruptcy. They also include information about how you pay your bills and a history of money you have borrowed and whether you have repaid it. This... Read More

Group-Term Life Insurance: A Benefit for Everyone

Group-Term Life Insurance A Benefit for Everyone

Employee benefits are one of the keys to attracting and retaining great employees. Health care is always at the top of the benefits list, but after medical, dental and vision care plans, life insurance is one of the most requested employee benefits. Offering your employees group-term life insurance is not only helps your employees save money on an important insurance coverage while protecting their families, it is also a benefit you can offer at low cost to the company.   The Basics Group-term life insurance is coverage that employers offer... Read More