When the doctor’s number flashes across the screen of the caller ID after I’ve had blood work or an exam is it time to panic or do I know that I’m going to be OK? On the one hand I am in pretty good health because I’ve taken precautions to eat better and take better…
“We’re a small company with only a handful of employees. We can’t afford to provide them benefits, but we’d like to offer them something. What can we do?” At Work Advantage is perfect for situations like yours. There is no cost to you as the employer, but the Voluntary Benefits provide a portfolio of insurances…
“I’m trying to decide whether to purchase Term Life or Whole Life and can’t make up my mind. What is the biggest difference?” The biggest difference is that a Whole Life policy actually earns you money over the life of the policy. Term Life won’t. When my parents had me and my siblings purchase Whole…
When my father-in-law was diagnosed with Type 2 diabetes over 40 years ago he expected to live to be about 55-years old. He resigned himself to the fact that, like his father he’d be blind and lose his limbs to the disease, and it would take him at a young age. Thanks to advances in…
Not exactly. Term Life Insurance is designed to provide for your loved ones in the event of your premature death, but NonMed Term 350 gives you more options than just to purchase a policy for a set amount. Unlike other term life policies, NonMed Term 350 can also be converted to permanent insurance, and includes an…
All it took was a few hours in the emergency department, a chest x-ray and three days as an in-patient with IV antibiotics and steroids to blow my budget out of the water. The deductibles and co-pays for that trip to the hospital took nearly a year to pay off, and several times I received…
That’s the problem with most insurance programs. They don’t cover everything. With employee sponsored health insurance programs, there are either high deductibles and lower co-pays, or lower deductibles with higher co-pays. There are often few or no options for employer sponsored critical illness, accident or long term disability; and what if you are hospitalized? The…
For most us term life insurance is that one thing we know they need, but don’t want to talk about. We know we need it and invest in it, but often it is money we know will be paid out to our kids, spouses or grandchildren after we’re gone. That isn’t necessarily the case with…
“I thought if I became disabled, Social Security Disability would help me. Why do I need separate Disability Income Insurance?” First, the guidelines for Social Security Disability are pretty strict. You must be unable to do the work you previously did, as well as be unable to adapt to another job in order to qualify.…
I take good care of myself, eat right and don’t have a family history of catastrophic illness, do I really need Critical Illness Insurance? The simple answer is, everybody needs Critical Illness coverage. No one is immune to a catastrophic illness. Famed runner Jim Fixx didn’t even know he had coronary artery disease before he…