John Hancock Vitality Program

We offer a life insurance company that is invested in your well being.  John Hancock offers a program called Vitality Program.  If your looking to get healthy and save money, this program is for you. It offers a chance to save money including up to 15% off your annual premium and up to $600 per Read more about John Hancock Vitality Program[…]

Disability Insurance-Is It For Me?

Disability insurance will help replace some of your income if you lose it due to physical injury or illness.  Many people use it for pregnancy, cancer, back injuries and more.  There is two types of disability insurance available, short-term and long-term.  Short-term pays for 3-6 months, while long-term pays for a longer period of time. Read more about Disability Insurance-Is It For Me?[…]

4 Things To Think About When Choosing A Health Plan

You know you need health insurance, so you go to speak with your agent or broker.  They give you a variety of choices.  What do you do now?  How do you choose which plan?  Think about these four things:  Where can you go to the doctor?  Plans usually have a network of doctors, hospitals and Read more about 4 Things To Think About When Choosing A Health Plan[…]

Life Insurance-What is it, and Do I Need It?

Life Insurance is a way that your family will be able to handle their finances after you die.  It will help them when your income has stopped.  The money can be used to pay off debts, mortgages, or any expense it is needed for.  It can even help with funeral cost if needed. While your Read more about Life Insurance-What is it, and Do I Need It?[…]

Top 4 Things Employees Want in Health Insurance

1. Choice of Primary Doctor-Meet with your employees, see who their doctors and networks are. 2. Dental and Vision-Offering at least partial coverage will help with retention and employee loyalty. 3. Understanding what their benefits are-Employees want and need to understand their policy, it doesn’t help you or them not to know. 4. Levels of Read more about Top 4 Things Employees Want in Health Insurance[…]

Why Do I Need Disability Insurance?

Increasing Need – Injuries and illnesses that once resulted in death are increasingly treatable and result in longer life spans. However, they often result in periods of inability to engage in meaningful employment. You are far more likely to suffer a long-term disability before age 65 than you are to die before age 65. Putting Read more about Why Do I Need Disability Insurance?[…]

What is Disability Insurance?

What is Disability Insurance? Disability insurance is a form of coverage that will replace a percentage of your income should you be unable to work because of injury or illness. Most policies are written for a specific monthly benefit – the face amount of the coverage. The upper limit is typically between 50% and 70% Read more about What is Disability Insurance?[…]

Term Insurance vs. Permanent Insurance

Term Insurance: Term insurance provides a specified death benefit for a specified period of time. At the end of the term, which may be a set number of years or may be at a certain age, the policy will lapse. Variable term policies will change during the term of the policy, either decreasing the amount Read more about Term Insurance vs. Permanent Insurance[…]

Medicare Supplements and Advantage Plans

With October right around the corner, it’s time to start thinking about Medicare Supplement and Advantage Plan open enrollment.  As many of you already know Medicare only covers 80% of some of your medical bills, leaving you the rest of the 20%.  With many of people on fixed budgets, this can become a burden.  A Read more about Medicare Supplements and Advantage Plans[…]