Insurance Articles

Supplemental life insurance coverage goes a bit further than a standard life insurance policy. It may go beyond what’s offered by your employer through the employee benefit package.  Supplemental life insurance is just as it sounds, its life coverage that supplements other life coverage that’s offered through your employer. Most companies offer life insurance as […]

Private insurance is insurance sold by a private insurer. Some of the types of insurance this can include are health, dental, vision, and more. It will not include government benefits, like Medicaid or the Children’s Health Insurance Program (CHIP). Private health insurance refers to any health insurance coverage that isn’t offered by a state or

Accident insurance will help you to pay for medical medical and out-of-pocket expenses that you may have incurred after an accidental injury. Included in this is emergency treatment, hospital stays, & medical exams. Other expenses you might run into that are included are, transportation and lodging needs.  Accident insurance is a financial product that will

What is permanent life insurance and how does it work? Permanent life insurance is a type of life insurance that will provide you life long protection. Permanent life policies carry the ability to accumulate cash value on a tax deferred basis. What is the difference between term and permanent life insurance? Permanent life policies stay

Term life insurance is one of the most affordable types of life insurance policies you can get. It’s an easy to understand, pretty straightforward type of coverage. It will protect your loved ones for a set period of time or term. Common term lengths are 10, 15, 20, & 30 years.  Step #1 Determine the

EPO is an acronym for a type of health insurance. It’s in the same category as an HMO or PPO, just a different type of coverage. EPO stands for Exclusive Provider Organization. Members of an EPO health plan can use the doctors & hospitals that are within the EPO network. Although, you cannot go outside the network for health

With so many different types of insurance for your home it may be beneficial to learn the basics on a handful of them. Below we go over the definitions and a few essential talking points on rental property insurance, renters insurance, & homeowners insurance. Learn more about how you’re protecting your home and your belongings.

A health insurance premium is the amount you pay, usually monthly, to maintain your health insurance coverage. If you have health insurance through your employer, your premium is usually deducted from your monthly pay check. Typically your employer will pay for a portion of the premium. Costs that go beyond the monthly premium can be

Commercial insurance is insurance coverage that protects your business, your employees and you as the owner. It’s designed to protect various aspects of your business. The most common coverage companies carry are liability, property, crime, or commercial auto insurance. Most small businesses start with a business owners policy (BOP). Within a BOP there’s a combination

Supplemental life is coverage you can buy in addition to a term or whole life policy. Usually full-time employees are offered supplemental life coverage for free or for minimal cost by their employer. It could cover burial costs, accidental death, and dismemberment. How Does Supplemental Life Insurance Work? Supplemental life coverage alludes to any extra