by Todd | Jul 25, 2017
When deciding how much life insurance a person needs, Financial Planners recommend an amount of 7 to 10 times your annual income. But what if you don’t have any annual income? What if you are a full-time, stay at home spouse and parent? Do you need a life...
by Todd | Jul 16, 2017
The challenge with health insurance is that we hear about it once a year during open enrollment, and the next time we use it we are either not feeling well, or checking out at the pharmacy or doctor’s office. You’ve heard about the following terms, now...
by Todd | Jul 12, 2017
I often talk with clients about when to use different providers for medical care. “Should I go a Convenience Care Clinic, Urgent Care Clinic, the Emergency Room, or see my doctor?” is a question often asked in enrollment meetings. So I thought I’d...
by Todd | Feb 4, 2016
by Todd | Jul 31, 2015
Many employers provide employees with employer-paid group-term life insurance benefits or arrange for employees to purchase group term life insurance benefits. But did you know that in some cases, if an employer pays for more than a $50,000 life insurance benefit,...
by Todd | Jun 24, 2015
Valuing a Key Employee It can be hard to put an exact monetary value on how important a key person is to a given business. The goal when valuing a key person for life and disability insurance is to get the correct amount of coverage based on the specific needs of the...