Insurance Advisor

Disability Insurance Basics–Is Your Paycheck Protected?

Disability Insurance Basics-Is Your Paycheck Protected?

Your most valuable asset is your ability to earn an income. Have you ever thought about what would happen if you experience a serious illness or injury? How would the loss of your income impact you? In addition to your day-to-day living expenses, a disabling injury can also lead to additional expenses, such as increased medical and household costs. If you’re like most working Americans, your savings account isn’t nearly big enough to see you through a disabling injury or illness. Even the loss of one paycheck, coupled with medical... Read More

4 Reasons You Need Key-Person Insurance Now

4 Reasons You Need Key-Person Insurance Now

Key-Person Insurance is life and/or disability insurance on the critical employees in your company. This could be business partners, executive officers or other key employees upon whom the success of the business depends. If your business isn’t protected, an unexpected injury, illness or death could torpedo the success you’ve worked so hard to achieve. Key-person insurance can protect that success and help keep your doors open. Here are four ways key-person insurance can benefit your company and why you need it today.   Maintain Revenue During a Transition If you... Read More

What is Key-Person Insurance and Why Do I Need it?

Protect key employees with key person insurance

Is there someone at your company—maybe even you—who is essential to the success of your company? Have you ever thought about what would happen to your company if something happens to that key person? Most businesses have at least one key employee who is essential to the company’s success. This person may be a partner, owner, majority stockholder or another individual who is crucial to the business. If this person unexpectedly leaves the company—due to a death or disability—it could make it hard for the company to survive and prosper.... Read More

Seven Easy Ways to Save Money on Life Insurance Policy

Seven Easy Ways to Save Money on Life Insurance Policy

Do you know you need life insurance but put off getting it because you think it’s too expensive? Would knowing there are things you can do to save money on life insurance help get you going? There are some very simple things you can do that will save you money on your life insurance premiums. Here are seven easy ways to save.   Buy Life Insurance Early Buying life insurance while you are young and relatively healthy will cost you much less in premiums than if you wait until you get... Read More

Life Insurance–What You Need to Know

young families need life insurance

Have you thought about life insurance lately? Life insurance? Isn’t that for people who are old and going to die? I don’t need life insurance; I am young and healthy. Life insurance is expensive. Those are the typical responses to the life insurance question. But really, it’s not the right answer. Life insurance isn’t for people who are going to die; it’s for the people you leave behind. Life insurance is not a fun thing to think about—most of us don’t like to be confronted with the reminder that someday we’ll... Read More

Five Things you Need to Know About Disability Insurance

Five Things you Need to Know About Disability Insurance

When you think about insurance, what comes to mind? Insurance for your home, for your car? Perhaps you think of health insurance. Have you ever thought about insurance that helps take care of you if you become disabled and cannot work? Most people don’t think about disability insurance—or if they do, they usually think of other people who might need it, but not ever themselves. Disability insurance can help replace your income in the event you are unable to work, but it’s a type of insurance that many people are... Read More

Four Types of Insurance Every College Student Should Consider

Four Types of Insurance Every College Student Should Consider

It’s that time of year when students across the country are getting ready to head to college. Whether you’re a brand-new freshman or a seasoned upper classman, you probably have a lengthy list of things to do and things to shop for before you go. Is insurance on your list? It should be. While it’s not usually an item found on your college’s what-to-pack list, here are four types of insurance every college student should consider before heading off to campus.   Health Insurance First, and probably most obvious, is health... Read More

Insurance Tips for New Parents

Insurance Tips for New Parents

Congratulations—you’re having a baby! Are you ready? You’ve probably already decorated the baby’s room, stocked up on diapers & wipes, checked out car seats and strollers, and started discussing baby names. Maybe you’ve even signed up for childbirth classes and thought about nannies and daycare, but there’s one more thing you need to think about now that you’re adding another member to your family. Insurance. That’s right. Have you thought about how having a baby is going to change your insurance needs? While insurance may not be the first thing... Read More

Five Simple Tips for a Safe and Fun Memorial Day Weekend

Five Simple Tips for a Safe & Fun Memorial Day Weekend

Memorial Day Weekend marks the start of the summer fun season. It’s a great time for a weekend getaway, a backyard barbecue or fun with family and friends. Make sure you get your summer started on the right foot—and have a safe and fun Memorial Day weekend, as well as the rest of the summer, by following these five easy tips. Food Safety Wash hands thoroughly with soap and warm water before handling food and after handling raw poultry or meat. To guard against cross-contamination of bacteria, keep uncooked meats away... Read More

Disability Insurance—What You Need To Know

Disability Insurance—What You Need To Know

What would happen if you got hurt and couldn’t go to work—for a week, for a month, or even longer? How would your bills get paid? How would you pay for food and medical care? How many missed paychecks stand between you and financial disaster? Disability insurance can help you continue to pay your bills, keep a roof over your head and keep food on your table when you can’t work because of illness or injury. Traditional health insurance doesn’t pay for every expense related to an injury or illness.... Read More