How to Decide if It’s Time to Upgrade Your Policy
The life insurance policy you bought five years ago made perfect sense at the time. You were single, renting an apartment, and your biggest financial obligation was probably a car payment. Fast forward to today, and you're married with two kids, a mortgage, and aging parents who might need help down the road. That original policy? It might be outdated now. Upgrading your life insurance feels like one of those tasks...
Should You Buy Long-Term Care Insurance? What to Know Before Age 65
Long-term care insurance sits in that uncomfortable category of financial products nobody wants to think about until it's too late. Like estate planning or disability insurance, it forces us to consider scenarios we'd rather avoid. Yet this type of coverage addresses one of the biggest financial risks most Americans will face in their lifetime. The decision about long-term care insurance isn't just about money - it's about maintaining control over your...
Understanding Property, Casualty & Liability Insurance: What Every Policyholder Should Know
Most people think insurance is one of those "set it and forget it" financial products. You buy a policy, pay your premiums, and hope you never need to use it. But here's the reality: the insurance landscape changes faster than most people realize, and what protected you five years ago might not be enough today. With property and casualty insurance premiums growing by nearly 10% in recent years and liability...
Should I Change Medicare Coverage During Open Enrollment?
Annual open enrollment is an excellent time to assess your options and find the right fit. Open enrollment season for Medicare coverage, the best time to make changes to your coverage as needed, begins on October 15th and ends on December 7th. Medicare coverage presents plenty of options for those in need, but knowing exactly how and what to change about your policy can be difficult to pinpoint. That's why, in this article,...
