Term Life Insurance and the Aging of America

November 13, 2017

With the aging of the “Baby Boomer” generation, some “facts” we came to take for granted need to be re-examined. Many of us, myself included, were part of the generation of insurance agents who encouraged the purchase of (less expensive) term life insurance and “invest the difference”. People were spending a lot of money and […]

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How To Save Money When Your Are Choosing a Health Plan.

November 2, 2017

Did you know that by choosing, not one all-encompassing plan, better coverage and lower rates are often achievable by combining two different plans? How is this possible? Pre-Obamacare, we often had plans that paid from the very beginning and a person only had a “deductible” if they had a modest amount of health-related expenses. These […]

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How Does A Person Know What Insurance is Best?

November 1, 2017

In recent time there has been a trend toward putting insurance quotes online and people simply selecting what they feel is good. I was an early proponent of this. However, over the years I have found that the idea is good, the execution – not so much. The reason is things change so much and […]

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What is the difference between Medicare Supplements and Medicare Advantage … and why should you care?

February 14, 2013

A person entering Medicare may elect to have Original Medicare and a Medicare Supplement Plan (also called MediGap Insurance) from a private insurance company OR they can elect to have Medicare Advantage Plan which is administered by a private insurance company. Many may wonder if there is any difference. In a word, YES. I would put […]

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Practical Options to Save Money On Health Insurance

June 26, 2012

No one can dispute that health insurance has risen in cost considerably over the past decade. What options exist for a person who just cannot afford to keep the $1,000 deductible, $15 co-pay at the doctor’s office plan? What should a person do if they are in a plan that just keeps costing more and […]

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