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How Affordable is Life Insurance?

How Affordable is Life Insurance?

A life insurance policy may be more affordable than you think. The cost of life insurance is calculated on your age and state of health. If you are married, have children, or have a mortgage, your family must be protected. If you die unexpectedly, the death benefit will allow your loved ones to have the finances to survive a very challenging time. What Does Life...

Keeping Your Kids Healthy

Keeping Your Kids Healthy

Kids are natural germ magnets. It can be a challenge to keep them healthy during the best of times, let alone during a pandemic. If you are a parent with young children, the following tips can help you keep your kids healthy, whether they are attending school or sheltering in place at home.  Serve Healthy Meals and Snacks Good nutrition is the bedrock for good...

Beginner’s Guide to Annuities

Beginner’s Guide to Annuities

It is never too late, or too early, to start planning for retirement. Annuities are a popular option with many advantages. You can put away larger amounts of cash, and growth is tax-free until you withdraw the funds. As an investment vehicle, annuities may seem confusing at first. The following is a basic guide to annuities for beginners.  What Are Annuities? Annuities are a relatively...

Understanding the “Welcome to Medicare” Physical Exam

Understanding the “Welcome to Medicare” Physical Exam

During the first 12 months after enrolling in Part B, Medicare covers a one-time, preventative physical exam. This is known as the “Welcome to Medicare” exam. It includes a thorough checkup and health review. It also provides education and counseling on preventative services, such as screenings and vaccines, as well as referrals for additional care if needed.  No Cost for the “Welcome to Medicare” Physical...

Can I Have Multiple Health Insurance Plans?

Can I Have Multiple Health Insurance Plans?

Yes, it is perfectly legal to have more than one health insurance plan. With the coordination of benefits, it can work to your advantage. If you have access to two health insurance plans, it can increase your coverage and save you money.  Why Do Some People Have More Than One Health Plan? People can end up with more than one health plan in a variety...