5 Things You Can Learn from Your Explanation of Benefits

February 5, 2013

A few weeks after a healthcare visit, you should receive what is known as an “explanation of benefits” (EOB). The EOB provides information about your visit, as well as information about what the insurance company covers, and your end of the bill. When you receive your EOB, it’s important to read through it, since there […]

3 Things You Can Learn from Your Insurance Policy

January 29, 2013

When most of us sign up for insurance, we don’t really look closely at the paperwork. We often take it on faith that the insurance agent tells us we are covered, we sign the necessary papers, and begin paying the premiums. However, you can learn quite a bit if you actually read your insurance policy. And […]

Disability Insurance – Protecting Your Income if You’re Unable to Work

November 29, 2012

What would happen to a surgeon that lost his hand in a home project accident? What would happen to a construction worker who lost the use of his or her legs? What would happen to a single mother who became ill for an extended period of time and couldn’t work as much as she needed […]

Should You Buy Life Insurance or Invest First?

November 27, 2012

If you were to ask me five years ago, what you should do first; buy life insurance or invest into a Roth IRA, there is no question what my response would have been. Without a doubt it would have been invest into a Roth IRA and not wait to invest. Tax-free money baby! As a […]

Getting Short-term Health Insurance Policies

October 25, 2012

No one should ever be without health insurance coverage, not even if it’s just for a few months. A single large medical situation can leave you saddled with tens of thousands of dollars in medical bills. And what if you lose your job? There is a way to deal with this, short of super expensive […]

Avoidable Disasters: Don’t Go Without Insurance

October 11, 2012

There is an insurance product for just about anything you can imagine: health insurance when you get sick, auto insurance for when someone hits your car, and life insurance to help your family if you die unexpectedly. But all those different insurance policies can really add up on the monthly budget. It can be easy […]

Life Insurance Exam Blues?

August 22, 2012

Other than deciding which type of life insurance to buy, how much coverage they need, and life insurance costs one of the other things people tend to worry about is the life insurance exam. None of us like tests and most people don’t like going to the doctor so when you combine the two you […]

High Deductible Health Plans Here to Stay?

November 13, 2011

Open enrollment is here again and we had to make a decision about using a high deductible health plan (HDHP) before last Friday’s deadline.  Last year was the first time that we used a HDHP with a health savings account but this year we were considering switching back to a traditional insurance plan since we’re […]

Term Life Insurance 101

May 9, 2011

The main purpose of life insurance is to help protect your family from financial hardship in the event you die and they’re left with the same expenses but less income.  If that were to happen and you had bought life insurance then they’d receive what’s known as a death benefit, a lump sum cash payment […]

Disability Insurance 101

April 11, 2011

Disability insurance is coverage that you may be able to live without for years but if you ever need it, you’ll wish you had considered buying it.  I suppose the same could be said for other types of insurance but there is a difference between disability insurance and other types like car insurance or home […]

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