Tags: Insurance Basics

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

Vaccinations for Children–What you need to know

vaccinations for children

As our children head off to school, the topic of childhood vaccinations is always high on everyone’s list. Certain vaccinations are a requirement for school enrollment in virtually every school district in the United States. Why are vaccines so important? In the United States and Canada, vaccines have almost completely wiped out several serious childhood diseases such as measles, mumps, whooping cough, smallpox, polio, diphtheria and haemophilus infections.   What is a Vaccine? Vaccines contain killed or weakened disease organisms (typically inactive bacteria or weakened viruses) that are administered to... 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

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

3 Types of Business Insurance Every Company Needs

3 Types of Business Insurance Every Company Needs

Business Insurance is an essential expense for every company. But how much insurance and which types does your company need? The best way to make sure your business is properly insured is to meet with your insurance agent. But to get you started, here are three types of business insurance every company needs. Property Insurance Business Property Insurance protects business structures and their contents against loss due to fire, theft or certain other disasters. Whether you own your business buildings or lease them, you need to make sure that they... Read More

Top 7 Threats to Small Businesses

Top 7 Threats to Small Businesses

Optimism drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, though, can get a small business owner into trouble. A business plan built solely on the “best case scenario” is like a house of cards—one gust of wind (or fire or lawsuit) and the entire business can come crashing down. That’s why smart business owners temper their optimism with a healthy dose of reality. In other words, they learn to manage risk. The first step in implementing a comprehensive risk... Read More