Insurance Blog
Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Deductibles, Copays, and Coinsurance: Understanding Your Health Insurance Costs
Posted: October 10, 2026
Health insurance comes with its own vocabulary, and terms like deductible, copay, and coinsurance are often used without much explanation. Understanding what each one means, and how they work together, can make it easier to estimate your actual costs and compare plans more confidently. What Is a Deductible? A deductible is the amount you generally pay for covered healthcare services before your insurance plan starts...
Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs
Posted: October 7, 2026
Life insurance policies aren't always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust their coverage to better match their personal circumstances. Understanding how riders work can help you have a more informed conversation with a licensed agent about your own policy. What Is a Life Insurance Rider? A rider is an optional provision added to a life insurance policy, usually...
Fire Prevention Week: Home Safety Steps and What Your Homeowners Insurance Covers
Posted: October 2, 2026
Every October, the National Fire Protection Association observes Fire Prevention Week, which falls on October 4-10 in 2026. The observance began over a century ago to mark the anniversary of the Great Chicago Fire, and it remains a helpful reminder to check the basics of home fire safety before colder weather sends more people back to their stoves, fireplaces, and space heaters. Common Causes of...
Voluntary Benefits 101: Adding Value to Your Group Benefits Package
Posted: September 28, 2026
What Are Voluntary Benefits? Voluntary benefits are additional coverage options that employees can choose to purchase, often at a discounted group rate, alongside their core benefits like health insurance. Unlike core benefits, which employers often subsidize, voluntary benefits are typically paid for by the employee through payroll deduction, though some employers choose to cover part or all of the cost as an added perk. Because...
Health Insurance Options for College Students
Posted: September 25, 2026
A New Season Brings New Health Insurance Questions As students head off to college, health insurance is often one of the last things on their minds, but it's an important detail for families to sort out before the semester gets underway. There are several paths students can take to maintain health insurance coverage while away at school, and the right choice depends on individual circumstances,...
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