Why You Need an INDEPENDENT Insurance Agent

What is an independent insurance agent? Independent agents are independent of any one insurance company.  Unlike a captive or direct insurance company, who only offers their own proprietary products, we don’t have to try and fit you into the one…

Term Rider vs. Term Conversion

Life insurance companies offer a variety of riders or policy add-ons to customize your insurance coverage. Some come at no additional cost and are built into the policy, while others have an additional cost. Term Rider and Term Conversion often…

Are Disability Insurance Benefits Taxable?

If you have a disability insurance policy, become disabled and can’t work, you’ll be grateful you have disability insurance to replace a portion of your paycheck. An important thing to consider is “Are my disability benefits I receive taxable?”

Accidental Death and Dismemberment Life Insurance

  Life insurance companies offer a variety of riders or simply policy add-ons to customize your insurance coverage. Some riders come at no additional cost and are built into the policy, while others have an additional cost. AD&D Accidental Death…

Disability Insurance Future Increase Option

  Disability insurance is protection for your paycheck. There are many riders (policy add-ons) available to customize your coverage. The future increase option (FIO) is a popular rider of a long-term disability insurance policy. It’s also known as future purchase…

Long-Term Care Insurance Business Tax Advantages

If you’re a business owner, there are valuable tax deductions and advantages associated with long-term care insurance for you and your spouse. Self-Employed Business Owners Premiums for tax-qualified long-term care insurance are deductible along with other individual medical expenses. IRC…

Call Email Claims Payments
Skip to content