Recovering From My Critical Illness

What is covered by critical illness insurance? Critical illness insurance, otherwise known as critical illness , is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with specific...

Dental Care Options

What kind of dental coverage should I get? What are my dental care options for insurance coverage?  You have two options: Dental insurance or Dental discount plans.   Dental Insurance can be expensive on a monthly basis; yet, you typically will get at least one...

Copayments versus Deductibles

What is the difference between a copay and a deductible? A copayment (copay for short) is the fixed amount ($20, for example) that you pay for a covered health care service. The remaining balance that you do not pay the doctor is covered by your insurance company. A...

Covering My Employees with Small Group Insurance

How many employees can I cover with small group insurance for my business? Typically, two to 49 employees can be covered in a small group. A large group would cover 50 to unlimited employees. Many small business owners choose to offer their employees a comprehensive...

Supplemental Accident Insurance = Added Protection

How much supplemental accident insurance do I really need? You need to get enough to cover the cost of your current healthcare policy’s deductible. Accident insurance, also known as supplemental accident insurance or personal accident insurance, is designed to...

Calculating Your Life Insurance Needs

How much life insurance is enough for my family? Every person has different coverage needs. Overall, you want enough to create a legacy for your family. The most common way people calculate the amount of insurance is to buy what they can afford! Some insurance...