Standard vs. Hybrid Life Insurance: Which Is Better?
Posted: October 22, 2021
Standard life insurance has a single purpose – to provide death benefits to your beneficiaries. Hybrid life insurance combines long-term care insurance and life insurance in a single policy. If you become disabled and unable to live independently, it covers the costs of your care, at home or in a facility. It will not cover medical expenses, such as doctor visits, surgical procedures, or prescription...
Car Chip Shortage 2021: What’s Going On?
Posted: October 22, 2021
What do bicycles, toilet paper, hand sanitizer, refrigerators and kayaks have in common? They’ve all been in short supply at times during the COVID-19 pandemic. The past year’s global health crisis has led to unprecedented changes in supply and demand. Production shutdowns sent the price of lumber sky-high. Months spent quarantining led homeowners to spend more time outdoors, some taking on more DIY renovation projects. And...
Survey: The Top 5 Reasons Why Drivers Speed (2021)
Posted: October 21, 2021
During the early months of the pandemic, did you notice more fast cars on the road? (And, be honest: Did you step on the gas yourself when the roads were less busy?) The trend is noticeable – and several national highway safety organizations agree. Some groups, such as the Governors Highway Safety Association, are now sounding the alarm about the increase and launching programs to...
A Savvy Business Owner’s Checklist for Cyber Insurance Coverage
Posted: October 19, 2021
Any business that uses computer technology today has to deal with cyber risk. Ransomware attacks are on the rise, and small and medium businesses are being targeted more than ever. With the shift to more people working from home in 2020, cybercriminals are taking advantage of the opportunity to exploit remote workers. Cyber insurance may be essential for a business of any size. The following...
Life Insurance and Health Conditions: A Deal Breaker?
Posted: October 19, 2021
Three Things to Keep in Mind If you’re interested in purchasing life insurance, you should consider the following: Never assume a health condition automatically disqualifies you from obtaining life insurance. Sure, maybe your health is less than perfect but you may be eligible for coverage, so always check with a licensed insurance agent to be sure. Always be honest about your medical history. Failing to...