Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Voluntary Term Life Insurance Vs. Voluntary Permanent Life Insurance
Posted: September 7, 2019
Voluntary life insurance is an optional benefit offered to employees by employers. It pays cash benefits to a beneficiary upon the death of the insured. In exchange for the employer’s guarantee of payment of these benefits, the employee pays a monthly premium. Typically, employer sponsorship makes premiums less costly than for individual life insurance policies. Types Of Voluntary Life Insurance Employers can provide two types...
Understanding The Different Types Of Surety Bonds
Posted: September 4, 2019
If you are in business in any of a wide range of industries, surety bonds are likely to be part of your business insurance package. These bonds are used in a variety of business situations in which an additional guarantee for the quality of service or products is required. The following is some basic information about the different types of security bonds used in business...
How Does My Life Insurance Provider Keep Up To Date With My Health?
Posted: August 27, 2019
The right to privacy is a bedrock of American values. However, for purposes of life insurance, privacy does not extend far. Your insurance company receives information from your healthcare providers and other sources and shares it with other insurers. Lifestyle changes and health conditions can affect your policy and rates. How Can Health Information Affect Your Life Insurance Policy? Insurance companies use underwriting standards to...
How Many Of My Employees Need Key Person Insurance?
Posted: August 22, 2019
Key person insurance can help protect your business in the same way that life insurance helps protect your family. The most valuable asset of any business is its people, and a company can become dependent on certain key persons for its success. If you have executives or employees who are critical to your business, you need key person insurance as part of your business insurance...
Am I Too Young To Start Paying For Life Insurance?
Posted: August 13, 2019
People in their 20s and 30s may believe that they are too young to need life insurance. In some cases, they may put off purchasing life insurance to pay off other debts. The truth is that buying life insurance young can save you money. Typically, the younger you are when you purchase a policy, the less you will pay in premiums. Why It Is Cheaper...