September 19, 2019

Group Health Insurance for Businesses

In my last post, I uncovered some of the mystery about individual health insurance. With physicians’ fees, cost of treatment, and time lost due to illness, healthcare costs can add up quickly. So it’s vitally important as a business owner to protect yourself and your employees from these expenses as well as to provide them with the care they need to rebound as soon as possible. Just like individual health insurance, group plans can be confusing and are often vague in their pricing. It’s my goal to provide you with the group health insurance information that you need to make a confident and informed decision for your business’ needs.
September 17, 2019

Individual Health Insurance 101

Recently, I had the opportunity to sit down with a friend of mine to discuss health insurance. Admittedly, this is one of my least favorite insurance subjects just because it is so unclear. Individual plans are often confusing in their pricing, while group plans are rarely a “one size fits all” option. It always seems that no matter which type of plan you choose, someone is unhappy. However, individual health insurance is a vital piece in your business’ risk management puzzle. With that in mind, let’s unwrap the confusing world of individual health insurance.
September 12, 2019

Long-Term Care Part II – Insurance Options For Small-Business Owners

Recently, I discussed the huge impact that our need for long-term care has on our friends, our family, and on our business. The statistics paint a pretty clear portrait of just how wide-ranging the causes and the individual needs for long-term care can be. With that in mind, I’ve put together some long-term care insurance options for the small-business owner.
September 5, 2019
Long-Term Care Basics

Long-Term Care Basics Part I – The Numbers Behind the Need

When I was about sixteen years old, my grandmother came to live with us. We moved the “boys’ room” upstairs above the garage, and our grandma moved into what had been our bedroom. As a bright, young teenage boy, I was very aware of the situation that was taking place in our home, and it wasn’t long before I saw the toll that dementia takes on a person. Likewise, I quickly learned what a daunting task it is to care for someone who is suffering from dementia. I watched as my mother endured the stress and exhaustion of providing every need and taking every precaution to ensure Grandma’s safety and well-being. I’ve got to tell you; it can be overwhelming. As I look back on that time in our lives, I can’t help but think about the value of long-term care. It’s a term we hear pretty frequently, but how many […]
September 3, 2019
Business Overhead Disability Insurance: What To Know Before You Buy

Business Overhead Disability Insurance: What To Know Before You Buy

Insurance isn’t always the most exciting topic for discussion. In fact, it usually means we are bringing up the things nobody wants to think about. However, having the proper coverage is an essential risk management strategy for you and your business. Recently, I talked about the importance of having personal disability insurance, but what about protecting your business in the event of a life-changing catastrophe? That is where business overhead disability insurance is an invaluable piece of protection.
August 20, 2019
Life Insurance to Fund Retirement

Should I Purchase a Life Insurance Policy to Fund My Retirement?

Today, I want to discuss using a life insurance policy for retirement funding. There are plenty of people out there selling this as a sound financial strategy to avoid the penalties of early withdrawal from a more traditional retirement plan. Let’s go over this and see if a life insurance policy is really the best way to fund your retirement.