You're Covered!

Jun 21

Ask the Health Insurance Expert

Q. Can I drop my daughter that finished college and got married?


A. Sure, but you probably have to wait until the open enrollment period at work – that’s when you can generally add or drop dependents.

Is that going to leave her uninsured though? Is she eligible for another group health plan? She can stay on your health plan until she’s 26, even if she’s married. Here’s more on getting dropped from a parent’s health plan.

Is Life Insurance a Retirement Investment? -

Sometimes it seems the insurance industry believes that buying a life insurance policy in one form or another is a cure for any financial ill. Does that make it a good retirement investment?

Jun 20

Life insurance and recycling all in the same joke?! Hilarious!

Life insurance and recycling all in the same joke?! Hilarious!

lettinggotumbler:

What I Really Do

In case some of you don’t know, I’m an insurance agent. And this sums up my career succinctly. The…

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lettinggotumbler:

What I Really Do

In case some of you don’t know, I’m an insurance agent. And this sums up my career succinctly. The…

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Jun 18

carinsurance:

Q&A: Will traffic school get me a discount?
Is traffic school a good thing or just a scam?  Will it save me on my insurance?  What about reducing points on my license?
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carinsurance:

Q&A: Will traffic school get me a discount?

Is traffic school a good thing or just a scam?  Will it save me on my insurance?  What about reducing points on my license?

Read More»

See, what had happened was…

See, what had happened was…

Jun 17

Ask the Life Insurance Expert

Q. Is there an insurance policy that pays off the mortgage when one of the insureds dies?


A. Mortgage life insurance specifically pays off a mortgage.  But I wouldn’t buy that. Instead I’d buy a regular term life insurance policy that covers the time period of the mortgage and any other large debts. Then the beneficiary can use the benefit for whatever is needed, be it the mortgage, final expenses, etc.

Here’s a good discussion about the pros and cons of mortgage life insurance from Cash Money Life.

Umbrella Insurance: The Real Reason You Need It -

Here’s the real reason you need umbrella insurance: garnishment of your future income. You don’t need assets to need umbrella insurance, which is inexpensive anyway.

Jun 14

Do You Need Homeowner's Insurance? -

Now, don’t laugh. Some people feel that they don’t need homeowner’s insurance. It covers damage to your home caused by fire, theft and certain natural disasters. Why wouldn’t you want it?

5 mistakes that kill life insurance claims | Insurance.com -

Avoid these pitfalls to make sure your beneficiaries get what they’re owed.