Why is life insurance so complicated? It should be simple. There are some critical differences when you’re comparing term vs. permanent insurance, so I will give you my thoughts on each. Term Life Insurance Term insurance is your least expensive life insurance option. Premiums are based on: Health Age Smoker/Nonsmoker Length of policy (term) Amount […]
Physician Insurance : Selecting Your Best Coverage
Physicians have certain considerations to keep in mind when shopping around for insurance. Physician insurance coverage varies widely depending on specialty, state and business status, so doing your research to get optimal coverage is key. Here’s what to look for in disability, life and medical malpractice insurance: Disability Insurance If someone relies on your […]
Life Insurance Basics: Choosing the Best Policy
Most people consider life insurance to be essential. Despite that, many people don’t have enough coverage (or any coverage at all.) Take a look at these numbers from LIMRA’s 2016 Life Insurance Survey: 86% of those surveyed believed most people require some sort of life insurance coverage 3 in 5 people have some sort of […]
Small Business and Individual Insurance: Life Insurance and Long-Term Disability
Individuals and small businesses have different insurance needs than a larger corporation, so it’s important to know what to look for when you’re shopping around. Here are the key tips to keep in mind if you’re looking for new life insurance or long-term disability insurance: Life Insurance for Small Businesses and Individuals […]
The Types of Insurance You Need (and What to Avoid)
In your first few years of your working career, money can be tight. There are bills to pay, and you’d like to save and invest, too. With so many places to put your money, it’s easy to put insurance at the bottom of the list. And you’re young and healthy, right? Insurance can be dealt […]