How Much Life Insurance Do You Really Need?
Well, Valentine’s Day is fast approaching, so I thought I’d tie in this post to the theme of love! No, I’m not going to suggest that you purchase a life insurance policy as a Valentine’s gift! However, this is a good opportunity to think about WHO matters most in your life and how much you […]
Does Clark Howard Really Give Bad Advice About Life Insurance?
When I started in the insurance business 13 years ago, I heard a few experienced agents mention Clark Howard and why I should learn to overcome the “Clark Howard objection”. In case you’re not aware of this, Clark Howard is a consumer advocate who has a very popular radio show. He is well known in […]
How Much Does Your Health Insurance Really Cost?
Do you know how much you pay for your health insurance? Almost all of my clients know very well the cost of their health insurance, however, people who work for large companies are usually unaware of the total cost of insurance. They know how much comes out of their paycheck each pay period, but that’s […]
Life Insurance Costs Three Times Less Than Most People Think
Unlike most products, life insurance is surprisingly inexpensive for most people. I hate to see young people postpone buying life insurance until they can afford a “decent” amount. The most important time to buy life insurance is when parents have young children. It is very affordable to buy just a 15-year term for $500,000 for […]
Life Insurance Riders: Do You Really Need Them?
All life insurance companies offer add-ons or “riders” to their policies. Some of these riders can be worth the additional premium, depending on your unique situation. I will cover the most common and important riders to consider. The types of riders vary among the carriers and the life insurance products they offer. Waiver of Premium […]
Life Insurance: Getting the Beneficiary Designation Right
Failure to update beneficiaries is one of the most common oversights with life insurance policies. If someone gets divorced and fails to update their beneficiary designation, then the death benefit goes to the ex-spouse (assuming they were the primary beneficiary.) This will occur even if an updated will says otherwise. Most people think a will supersedes a life […]
Excellent New Dental Plan — No Waiting Periods
I rarely promote a particular insurance product, so this is an exception. There is a new dental insurance plan available for individuals and families in Georgia (and some other states), that is really good. What makes it so good is that it pays a very high percentage for major dental work and has high annual […]
Child-only Health Insurance Now Available Again in Georgia
According to a recent announcement by the Georgia Insurance Commissioner’s office, all health insurance carriers in Georgia are required to offer “child-only” policies again — starting January 1, 2013. This is very good news for a lot of families who have been forced to keep children on expensive group plans or find alternate coverage for […]
Health Insurance in Georgia When COBRA Ends
I received a call today from someone who didn’t know they had options when their COBRA coverage ended. I receive these calls on a regular basis. Most people opt for COBRA when their employment terminates and they don’t have another viable option. COBRA is an option that is well known and employers are required to make this continuation of […]
Always Ask About The Cash Discount
The amount of money that can be saved by paying cash (instead of using your health insurance) can be astounding in many instances. It is important to do your research and find out how much a test, procedure or surgery will cost. Although there has been a lot of positive movement in the area of […]