Top Five Life Insurance Myths

Don’t let these five misconceptions delay you from protecting your loved ones with life insurance. More people are preparing for the unexpected. The untimely death of a loved one once seemed like a remote possibility. But the pandemic has brought a new awareness of how vulnerable life can be. Numbers from LIMRA, a life insuranceContinue reading Top Five Life Insurance Myths

What you didn’t know about life insurance.

Most of us know the importance of life insurance and we purchase the insurance to make sure our families and loved ones are financially taken care of in the event of our deaths. However, there are many aspects of life insurance that people are often unaware of.  Financial plan. Life insurance is a part ofContinue reading “What you didn’t know about life insurance.”

What if I get denied for life insurance?

Life insurance companies use a process called underwriting to determine premiums and overall eligibility. Underwriting is the process used to evaluate and determine the risk of insuring someone or something.   Each insurer’s underwriting guidelines vary, which means that if you are rejected from one insurance company you are not necessarily disqualified for life insurance elsewhere.Continue reading “What if I get denied for life insurance?”

How much life insurance do you need?

According to Insider, half of Americans who do have life insurance are underinsured, meaning their death benefit would not cover expenses like mortgage, college loans,  or basic essentials like food, debts, and clothing for dependents in the event of their death. It is important to ensure that you have the appropriate financial resources in placeContinue reading “How much life insurance do you need?”

The difference between Deductible, Copay & Coinsurance?

Published by Guerrilla Group, LLC Insurance terminology can be confusing—coinsurance, copay, and deductible. If you currently have health insurance you have likely heard these terms, and if you are looking into purchasing health insurance these terms have most likely complicated the process for you, or at least made you pull up Google to find aContinue reading “The difference between Deductible, Copay & Coinsurance?”

Higher deductibles or higher premiums?

Higher deductibles or higher premiums, that is the question. It is an important question when comparing health insurance policies. Unfortunately, there is no one size fits all answer to that question. The best type of health insurance plan for you will depend on you and your family’s individual needs. Why is the deductible an importantContinue reading “Higher deductibles or higher premiums?”

Breast cancer awareness month

National Breast Cancer Foundation estimates that about 220,000 women are diagnosed with breast cancer each year, breast cancer affects one in eight women. In most cases, early diagnosis and treatment can lead to a full recovery. October is Breast Cancer Awareness Month; the nationwide campaign brings awareness and illustrates the value of early detection ofContinue reading “Breast cancer awareness month”

Long-Term Care Insurance

Defining long-term care insurance Long-term care insurance refers to a variety of services that are not covered by regular health insurance or Medicare. These services include daily routine activities like daily hygiene activities, getting dresses, and assistance getting out of bed. A long-term care insurance policy helps cover the costs of care should you developContinue reading “Long-Term Care Insurance”