April 8, 2013
AgencyCOVERING WHAT MEDICARE DOES NOT
Anyone approaching age 65 who will be enrolled in Medicare Part B should consider shopping for Medicare supplement insurance, popularly known as “Medigap” insurance. These policies, which are sold by private insurance companies, are designed to provide reimbursement for out-of-pocket costs that are not covered by Medicare. Although Medicare covers many health-care costs, […]
April 10, 2013
AgencyALONG FOR THE RIDE
For many obvious reasons and others that are not so obvious, such as adverse road conditions and inattentiveness on the part of other drivers, riding on two wheels may be inherently more dangerous than riding in a four-wheel vehicle. While most motorcycle injuries are suffered by younger riders, there has been a noticeable […]
April 10, 2013
AgencyWAITING FOR ALZHEIMER PATIENT BENEFITS
Long-term care insurance policies provide coverage for custodial care of Alzheimer’s patients, which typically begins when a physician provides evidence of cognitive impairment or if the patient needs help with at least two daily-living activities. In light of the fact that most Alzheimer patients receive care at home, it is important to carefully […]
April 10, 2013
AgencyARE YOU A RENTER?
With so many homeowners either being forced out of their homes or postponing their decision to purchase a first home during the past few years, more than the usual number are finding themselves renting. In the process, many seem to have overlooked the importance of purchasing renters insurance. According to a recent Insurance […]
April 10, 2013
AgencyMALPRACTICE SUIT INSIGHT
In his book “Blink,” author Malcolm Gladwell delves into the way people make decisions, many of which involve the “adaptive unconscious.” This is the part of the brain that leaps to conclusions that we commonly refer to as “intuitive” or “gut-level” decisions. One very interesting part of the book deals with insight into […]
May 3, 2013
AgencyINSURING COLLECTIONS
While casual hobbyists can generally rely on their homeowners policies (which typically cover personal property up to half the value of their homes) for coverage of their collections, serious collectors with valuable collections should either have riders on their homeowners policies or specialty-insurance coverage. Most ordinary homeowners policies don’t cover breakage or accidental loss, although […]
May 3, 2013
AgencyKEEPING SCORE
Financial experts suggest that you regularly check your credit score because a good credit history helps qualify you for better interest rates on loans and credit cards. In some cases, a high credit score may also help to ensure lower auto insurance premiums since insurance companies have found that there is a correlation between consumers’ […]
May 3, 2013
AgencyEMPLOYMENT PRACTICES INSURANCE
With the heightened awareness of workers’ rights that has taken hold in recent years, business owners must protect themselves against claims made by employees, former employees, or potential employees. To meet this need, Employment Practices Liability Insurance is available that covers the company (including directors and officers) against claims of discrimination (age, sex, […]
May 3, 2013
AgencyCALCULATING LIFE INSURANCE NEEDS
One way to calculate how much life insurance you need involves figuring how much investment capital it would take to replace all of your income for two decades or longer if it were invested in secure Treasury/municipal bonds and certificates of deposit. Another approach focuses on four categories of need. The first, funeral/burial […]
June 17, 2013
AgencyUnable to Work
UNABLE TO WORK Most breadwinners with family responsibilities do not give disability insurance the same amount of consideration that they give to life insurance. However, heads of households may want to consider that just over one in four of today’s 20-year-olds will become disabled before they retire. This statistic alone should lead them […]