This Too Shall Pass

Corona Virus, Covid19…wouldn’t you love to have a dollar for every time you have seen, heard or read those words! Over the past two decades we have been challenged by: HIV/AIDS, Pneumonic Plague, SARS, Avian Flu, Dengue Fever, H1N1(Swine Flu), Cholera, MERS, Ebola, Measles, Zika, and then another rash of measles…and, starting in late 2019…Covid […]

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We are Living Longer! What do we do now?

Recent survey results suggest we, as a nation, are looking forward to longer life-spans than did our parents and grand-parents. Life Insurance mortality tables now run to age 120, while estimated average ages at time of death are now around age 78. Keep in mind that “average” means many in the calculation lived well into […]

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Who Pays the Bills When You Can’t?

November is Disability Income Insurance Month. Who needs it? Who doesn’t! Oh yes, that insurance everybody talks about but puts off for another day. All too often the premiums required by Disability Income Insurance policies scare off its potential buyer. Granted, it ain’t cheap, but not having it when you need it will cost you […]

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Is Your Insurance Agent or Financial Adviser a “Professional”

Career designations most of us understand, MD, CPA, DO,JD, DDS, DMD, etc., identify vetted professionals having completed advanced educational courses of study, successfully passing demanding tests and examinations, qualified for state licenses to practice, are members of their professional associations and subscribe to a rigid code of ethics. When your health is involved you need […]

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Just What is “Business Insurance”?

Okay, you are about to rent office space for your new business and your new landlord insists you provide proof of business insurance in order to finalize the lease. What is it and how do you get it? “Insurance” is a very broad term with many applications. There are life and health insurance plans providing […]

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Relying on a GoFundMe Page Might Not Be Your Best Option

Key character in Margaret Mitchell’s epic novel, Gone With the Wind, Scarlett O’Hara, handles difficult situations by kicking them down the road with signature line, “I’ll worry about that tomorrow”. Not having a plan to replace your family’s lost income stream if you don’t survive an accident or illness this week is precisely, “I’ll worry […]

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Small Group Insurance Considerations for the Owner/Operator

With the advent of 2010’s Patient Protection and Affordable Care Acts(Obamacare),many small business owner/operators abandoned their support for group life/health/disability insurance plans and opted to have their employees enroll in individual guaranteed issue health insurance policies instead. Doing so relieved the company owner from paying out substantial group insurance premiums every month and, in many […]

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Own Some Life Insurance….An Advantage You May Not Have Considered

Okay, you’re way too young to think about supporting yourself in retirement now, but the years have a way of slipping by and one day in the future while sitting in a room full of people it will dawn on you that you are the oldest one there. BUMMER! Going forward how are you going […]

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Travel Medical Insurance…Don’t Leave Home Without it!

A prominent credit card company whose name you know well uses “Don’t leave home without it” as a very effective tag line in its advertisements. However, when you travel outside the good old USA, there is another “Don’t leave home without it” item that could save you thousands of dollars and days of worry and […]

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What are you willing to pay for peace of mind?

Enjoying Peace of Mind comes at a cost. Just imagine not having to worry about life’s “what if’s”: What if I get hurt or sick and can’t pay my bills? /What if some nitwit plows into my car and kills me? What happens to my spouse and kids?/What if my money runs out before I […]

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