“Oh, but if we don’t talk about final expenses now, the kids could be strapped with bills later that will make their grief seem like a cake walk. We’d better talk about leaving something behind besides a mountain of debt.” The truth is many people are reluctant to talk about how much it will cost…
“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…
The deadline for open enrollment has passed, and you still need some type of coverage. You know accidents and unexpected illness can and often will happen between now and the next open enrollment period on November 15, 2014. What are your options? One option is Short Term Medical Insurance. It doesn’t meet the 10 Essential…
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…
Years ago, when I was younger and more care free, I didn’t worry so much about things like dental insurance. I took care of my teeth as best I could to avoid going to the dentist, so I didn’t need insurance or so I thought. I found out later how wrong I was when I…
It’s the start of little league baseball season, and time to start those DIY home improvement projects. Things are starting to happen in the great out-of-doors as the temperatures start to rise. With those outdoor activities come a lot more opportunities for the unexpected trip to the emergency room. No one likes to think it…
Although Monday is the deadline to enroll in a healthcare plan, there are still many people unsure of what to do. High deductible/low premium or low deductible/high premium plans have some of us confused. And, then there are the plans that seem to fit, but then have hidden costs, like a deductible for prescriptions that…
Just a week before the deadline, the push is on to sign up for the Affordable Care Act, also known as Obamacare. There are a number of reasons people are waiting, but not having healthcare coverage when you need it because you don’t think you can afford it, isn’t a good reason to let the…