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Insurance Blog

Is Coffee Good Or Bad For Your Health?

A cup of coffee in the morning is a long-established ritual for many of us in America. According to Gallup News, nearly two-thirds of all adults in the U.S. drink at least one cup of coffee a day. Average daily consumption is 2.7 cups, a statistic that has not changed since 1999, despite warnings in the past that coffee may be harmful to your health....

Can I Lower My Life Insurance Premiums?

A life insurance policy can give you peace of mind knowing that your family will be provided for if anything should happen to you. Unfortunately, many people put off this critical task, in many cases due to concerns about cost. A major factor affecting your premiums is the rating the insurance company assigns you based on an assessment of your health and lifestyle. There are...

Your Guide to Medigap and Other Medicare Supplement Plans

Medigap is Medicare supplemental insurance. Private insurance companies sell these policies. They are designed to help cover the gaps in healthcare costs with original Medicare, such as deductibles, co-payments, and co-insurance. It can also help with services Medicare does not cover, including travel outside the U.S. Why You Might Need Medigap Insurance Original Medicare Parts A and B will not cover all expenses if you...

How Do Health Savings Accounts Work?

You may have heard of a Health Savings Account (HSA) and are wondering how they really work. Let's make it simple. Thankfully, we have pulled together the basics for you. For Individuals and Families A health savings account is a specific type of savings account offered by banks, credit unions, and insurance companies. The account is set up specifically for you by the bank or...

3 Key Differences Between Whole Life Insurance & Term Life Insurance

Insurance can be a confusing subject, and at our local agency, we want to clear up some basic questions for you. Most families put some type of life insurance in place, and figuring out whether they should buy "whole life insurance" or "term insurance" is the big question. These are very different insurance products, each with pros and cons. 1. Term life insurance is cheaper,...