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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

What Do I Need To Do Before Buying Life Insurance?

Buying life insurance is an important financial decision. Not only can it help protect the loved ones who depend on you, but it can also serve as a useful financial tool. To help ensure you make the right decision, take the following steps before shopping for a life insurance policy. Determine How Much Life Insurance You Need How much will be needed in death benefits...

What Is The Long-Term Disability Waiting Period?

Long-term disability insurance is designed to help cover your living expenses should you become disabled. However, the insurance company does not start paying out benefits immediately if you become seriously ill or injured. You must meet a specific definition of disability for a certain period of time (typically 90 to 180 days) before your benefits start. This period of time is known as the waiting...

Is It Ever Too Late To Get Life Insurance?

Strictly speaking, it is never too late to buy life insurance. However, the longer you wait to purchase a policy, the higher your premiums and the more limited your options. If you wait too long, you may have to settle for a policy that is less than you want at higher rates. Why Buy Life Insurance Early? The younger you are when you buy life...

Low-Impact Exercises For Healthy Living

The benefits of exercise are well-known to most people. It can help you lose weight, reduce your risk of heart disease, help you manage blood sugar, improve your cognitive function, and elevate your mood and mental state. But high impact exercise can have a negative impact on your joints. Many adults today are choosing low impact exercise to maintain a healthy lifestyle. What Exactly Is...

What Happens To My Life Insurance If I Am In A Coma?

A coma is a state of extended unconsciousness due to inefficient brain function. This unresponsive state can be caused by a traumatic blow to the head, oxygen deprivation from choking or drowning, severe infection, exposure to toxins, or extremely high blood sugar. Under most circumstances, life insurance policies do not pay out as long as the policyholder remains alive. If you are in a coma...