It's our experience and expertise working for you.
No one insurance policy is going to cover you against all medical risks and the impacts of a serious accident or illness. The best strategy, therefore, is to combine several key types of insurance so that one type can fill in the "gaps" left by the other(s).
There are many common myths about health insurance agents that make people wrongly conclude that they shouldn't use one. This is why so many people miss out on the great help that a health insurance agent or broker offers them free of charge.
Employers who are trying to formulate the ideal employee benefits package should take advantage of professional benefits consulting to give them ideas and to guide them through the legal and HR details of turning such ideas into successful realities.
If you were insuring your car or your home, it would be easy to place a fixed value on the object insured and decide how much insurance to buy on that basis. But when you are protecting yourself against potential medical expenses, it's impossible to know for sure how much you and your family might use across the next 12 months.
The large majority of US adults have multiple cavities, suffer from some form/level of periodontal disease, or have another major dental needs. And yet, most people fail to protect themselves with dental insurance before they get hit with hundreds or thousands of dollars in dental bills.
We all have to plan ahead financially for our retirement years or face the unpleasant consequences of not planning ahead. But today, there are so many different retirement strategies touted in the public square that it can be hard for the uninitiated to decipher which approach is truly best.
Over the course of the years, health insurance has gotten better in many ways, but one thing is for sure - it has also grown gradually more and more complicated.
No matter what the product, be it health insurance or something else, knowing the history behind it gives you an intangible perspective that is invaluable in being a wise comparison shopper.
My deductible is way too high! That's a common complaint of many concerning their health insurance policy. But is there ever a time when it actually makes sense to opt for a high-deductible policy instead of a low-deductible one?
Making the decision to buy a life insurance policy is a major step, involving a host of different motivations such as retirement planning, mortgage protection, and replacing lost income after the "breadwinner" of the family unexpectedly passes away.