What is an independent insurance agent? Independent agents are independent of any one insurance company. Unlike a captive or direct insurance company, who only offers their own proprietary products, we don’t have to try and fit you into the one…
Business Overhead Expense insurance, also known as BOE, is disability insurance that pays monthly payments to cover business expenses so your business can continue to operate smoothly if you become disabled. Who can get BOE?
Your health and age are the biggest factors in determining if you qualify for long-term care insurance (LTCI). Compromised health is a reason many people don’t qualify, but other important factors are that they are applying at the wrong time…
Life insurance companies offer a variety of riders or policy add-ons to customize your insurance coverage. Some come at no additional cost and are built into the policy, while others have an additional cost. Term Rider and Term Conversion often…
If you have a disability insurance policy, become disabled and can’t work, you’ll be grateful you have disability insurance to replace a portion of your paycheck. An important thing to consider is “Are my disability benefits I receive taxable?”
Planning ahead for long-term care is important, but it’s especially crucial for women. 5 reasons why planning for long-term care is important for women:
Life insurance companies offer a variety of riders or simply policy add-ons to customize your insurance coverage. Some riders come at no additional cost and are built into the policy, while others have an additional cost. AD&D Accidental Death…
Disability insurance is protection for your paycheck. There are many riders (policy add-ons) available to customize your coverage. The future increase option (FIO) is a popular rider of a long-term disability insurance policy. It’s also known as future purchase…
If you’re a business owner, there are valuable tax deductions and advantages associated with long-term care insurance for you and your spouse. Self-Employed Business Owners Premiums for tax-qualified long-term care insurance are deductible as well as other individual medical expenses.…
Most life insurance policies have a provision called the accelerated death benefit (ADB) for terminal illness. This rider allows you to receive a portion of your life insurance death benefit to use while you’re still living, if you have a…