When Is a High Deductible Health Plan the Right Choice?
Posted: May 25, 2025
Health insurance can seem like a labyrinth of legal and medical jargon, with endless choices. One option that often sparks confusion is the High Deductible Health Plan (HDHP). When they hear “high deductible,” many people immediately think it is expensive and risky. However, in some cases, it can actually be a good move. The following information can help you decide whether a high-deductible health plan...
Risk Factors That Impact Life Insurance Premiums
Posted: May 22, 2025
When you purchase life insurance, you agree to pay monthly premiums and hope the death benefit is enough to protect your family should something unexpected happen. If you have ever felt that your premium is higher than expected, you are not alone. Understanding the factors that determine how much you will pay each month. Insurance companies use the following risk factors to calculate your premiums: ...
Should I Switch to an Independent Insurance Agent?
Posted: May 16, 2025
Shopping for insurance can be a confusing, even overwhelming process, with policies loaded with obscure legal terms. Although exploring new options or switching agents may seem troublesome, it may be worth considering. Should you stick with your current agent or take the leap to an independent insurance agent? Let’s break it down. What is the Difference Between Traditional and Independent Insurance Agents? A traditional insurance...
4 Reasons to Keep Your Eye on Group Vision Insurance
Posted: May 13, 2025
Most employers focus on big-ticket items such as health insurance, dental plans, and retirement when offering employee benefits. One benefit that tends to slip under the radar is group vision insurance. Although it may not be as flashy as a comprehensive health plan, it can significantly impact employees’ well-being. Here are four reasons to consider offering group vision insurance as part of your employee benefits...
Strategies to Help You Pay Less for Prescriptions
Posted: May 10, 2025
Paying for prescription medications today can feel like an endless loop of rising costs and unexpected expenses. Medications are a reality of modern life, regardless of age or health status, and the price tag can be overwhelming. The good news is that there are ways to reduce costs without sacrificing your health or well-being. Generic Medications It is no secret that brand-name medications can be...
