​Let's have a show of hands - everybody who's reading this today loves to buy life insurance and pay lots of money for it, right? Lol…Nobody does. Nobody likes life insurance, they don't like to pay for it and, they don't like to talk about it. They get nervous when they know an insurance agent is going to try to talk to them about it. Did you know there is so much more to life insurance than just providing a death benefit?

​To any consumers out there that are looking to purchase health insurance during this years “ACA Open Enrollment” be very careful about purchasing a Fixed Indemnity Plan vs. Major Medical coverage. Or being told that these plans are as good if not better then ACA Health Plans. Consumers who accidentally purchase this type of coverage may find themselves shocked by large hospital bills if they have a serious medical event.

​Don’t let these five misconceptions delay you from protecting your loved ones with life insurance.

​One instrument that can benefit retirement savers in a bear market is a “Fixed Indexed Annuity”. Not only do they offer principal protection and do well in down-market periods. Another nice feature of fixed index annuities is their growth potential. Your money can earn more interest than just the fixed interest rate you would receive with a traditional fixed annuity or CD.

An Indexed Annuity can be linked to an underlying financial benchmark, like the S&P 500 price index. Some companies recently have added another index for their customers called the Credit Suisse Index. Which is a conservative index based off of bonds and gold and other indices that do well during volatile times like we are in now. 

​As many of us approach the age of 65, making time to think about and investigate the benefits of Medicare and other insurance options becomes more and more important. While Medicare Part A will help to pay for inpatient hospital stays, skilled nursing facilities, surgery, hospice care, and in some instances home health care, Part B — the medical insurance side of Medicare — offers help with a visit to the doctor, outpatient care, certain preventive services, as well as some medical equipment and supplies.

When most of us buy life insurance, we aren’t thinking of ourselves – we’re thinking of those we love so they can stay financially secure after we die. If a serious illness affects you, however, you may need that financial security while you’re still alive. Did you know there are now Life Insurance policies that come with living benefits that can help you meet that need?

This type of Life Insurance will give you and your loved ones added comfort and peace of mind. How does it work? After being diagnosed with a qualified chronic or critical illness, you may choose to receive a portion of your policies death benefit. The remaining amount will still be available to your loved ones after your death.

Use it to help pay for:

• Hospital bills
• Medications
• Experimental treatments
• Mortgage payments & other living expenses
• Assisted living or Home care

For more information on “A Life Insurance Plan where you don't have to die to be able to use"  give our office a call!

Many people think they don’t need dental insurance. If they are in good health and don’t have dental pain, they plan to pay for an annual exam and cleaning out-of-pocket. But dental health problems can occur when you least expect them. So, if you’re wondering, “Should I get individual dental insurance or pay out-of-pocket?” review these tips.