Think of life insurance not as a payout for a loss, but as a guaranteed “I love you” that arrives exactly when your family needs it most. It’s the only financial tool that converts a promise of protection into a tangible legacy.

Your heart beats about 100,000 times a day to keep you moving—but are you leveraging your insurance to help it go the distance? This American Heart Month, we’re breaking down the essential (and often $0) cardiovascular benefits hidden within your health plan

In the modern healthcare landscape, being a patient is only half the job; the other half is being an informed consumer. When your primary care physician says, “I’d like you to see a specialist,” it can feel like a daunting new chapter. Whether it’s a cardiologist, an orthopedist, or a dermatologist, the specialist you choose will significantly impact your recovery … Read More

Life insurance isn’t just a policy—it’s a “financial fire extinguisher” for your family’s future. But are you carrying a portable canister (Term) or a full-scale sprinkler system (Permanent)?

The “Before the Ball Drops” Checklist emphasizes the importance of reviewing insurance and financial matters before year-end. Key actions include scheduling medical procedures if deductibles are met, spending unused FSA funds, auditing life insurance for beneficiary updates and coverage amounts, and assessing disability insurance adequacy. Secure your family’s financial future now.

The Open Enrollment period for Covered California ends on January 31, 2026, presenting a crucial opportunity for those uninsured or wishing to switch plans. California’s Individual Shared Responsibility Penalty can result in significant fines for non-compliance. Additionally, changes to rates and subsidies necessitate active plan shopping to optimize coverage and avoid financial penalties.

As year-end approaches, business owners must prioritize strategic planning amidst holiday chaos. Key areas to address include reviewing key person insurance and buy-sell agreements for updated valuations, ensuring fourth-quarter estimated tax payments are made, and evaluating benefits administration processes for 2026. Completing these tasks fosters confidence for the New Year.

Has the high cost or strict requirements of health insurance kept you from offering a group plan to your employees? The gate just opened. This year, you have a time-sensitive, once-a-year opportunity to secure a critical employee benefit—and significant tax advantages—for your small business. The window is narrow, but the potential is huge.

Living with diabetes is a full-time job. Your health insurance shouldn’t make it harder. As we recognize National Diabetes Awareness Month this November, let’s talk about the one tool that can be your greatest ally in managing your condition—or your biggest headache: your health plan.

The Medicare Annual Enrollment Period (AEP) runs from October 15 to December 7, allowing beneficiaries to review and adjust their plans for 2024. It’s crucial to assess changes in coverage, costs, and medication formularies, as missing the deadline can limit options for the year and lead to unexpected expenses.