Insurance Blog

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

Can I Designate Someone Other Than A Family Member As My Beneficiary?

Although many people name family members as beneficiaries on their life insurance policies, it is certainly not a requirement. There are almost no rules restricting who you can choose, and you can change your beneficiary at any time (for example, after a divorce). The only universal restriction for life insurance beneficiaries is age. You cannot name a minor as your beneficiary. To provide a person...

What Should I Do If My Co-Workers Start Getting Sick?

Flu season is upon us, and too many people are showing up for work sick. Perhaps they have deadlines to meet or simply cannot afford to miss an important meeting. Or maybe they missed that part in science class when the germ theory was covered. Regardless of the reason, the problem remains the same. Sick co-workers spread germs around and put others at risk for...

Understanding The Main Life Insurance Classifications

Life insurance companies use a system of classification to determine an individual’s state of health, based on a series of factors pertaining to that person. Your classification can affect how much life insurance coverage you can get at each price point. Healthy people get more favorable classifications and lower rates. If you have health issues, that will be reflected in your life insurance premiums. The...

Healthier Comfort Food Alternatives

It is no secret that many people turn to comfort food in times of stress, loneliness, or rejection (such as Ben & Jerry’s directly from the carton after a breakup). Comfort foods can be described as foods that provide consolation or a feeling of well-being. They give us emotional comfort heightened by our senses of taste, touch, and smell. They are more likely to be...

Is Graded Death Benefit Life Insurance Worth The Cost?

Graded death benefit insurance has important advantages for certain people. It may be worth the cost if you want the protection of permanent life insurance coverage, but may not qualify for another permanent life insurance plan because of health issues. What Is Graded Death Benefit Insurance? Graded death benefit insurance is permanent, as opposed to term life insurance. What makes it different from standard permanent...