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Insurance Knowledge Base
Personal Insurance

Juvenile Life Policies

As children grow up to be adults, many times their life insurance coverage needs to be reviewd. A $25,000 life insurance policy that was adequate as a child, may not be adequate as an adult. [... read more]

 
Category: Personal Insurance
     

     

Prescription Drug Plans (PDP)

We are currently running computerized illustrations for all clients who want to find the PDP plan that best fits their current needs. We need the list of your prescriptions, their dosages, and how many you take in a 30 day period. [... read more]

 
Category: Personal Insurance
     

     

Medicare Advantage Plans (PFF)

Medicare advantage or Private-Fee-For-Service (PFFS)plans are available in certain counties in Indiana and other states. These plans give you an alternative to traditional medicare supplements and their standardized plans. [... read more]

 
Category: Personal Insurance
     

     

PFFS Eligibility

A PERSON BECOMES ELIGIBLE FOR A PFFS PLAN AFTER THEY TURN 65 AND ARE ENROLLED BOTH IN PARTS A & B OF MEDICARE. TO BE ELIGIBLE, YOU ALSO NEED TO LIVE IN CERTAIN SERVICE AREAS (COUNTIES) AND NOT HAVE END-STAGE-RENAL-FAILURE (KIDNEY DIALYSIS). [... read more]

 
Category: Personal Insurance
     

     

PFFS Enrollment

A PERSON CAN ENROLL IN A PFFS PLAN DURING YOUR (OEP) OPEN ENROLLMENT PERIOD, THE PERIOD 3 MONTHS BEFORE AND 3 MONTHS AFTER YOU BECOME ELIGIBLE FOR MEDICARE PART B. YOU CAN ALSO ENROLL OR CHANGE PFFS PLANS DURING THE (AEP), ANNUAL ENROLLMENT PERIOD, WHICH RUNS FROM NOVEMBER 15 -DECEMBER 31 OF EACH YEAR FOR A JANUANRY 1 EFFECTIVE DATE. [... read more]

 
Category: Personal Insurance
     

     

Health Savings Accounts

IF YOU HAVE A QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN, YOU ARE ELIGIBLE TO START A HEALTH SAVINGS ACCOUNT (HSA). AN HSA ALLOWS YOU TO HAVE THE ABILITY TO BETTER MANAGE AND CONTROL YOUR HEALTH CARE DOLLARS. [... read more]

 
Category: Personal Insurance
     

     

Medicare Suplements

THESE PLANS ARE INTENDED FOR PEOPLE AGE 65 AND OLDER AND WHO ARE ENROLLED IN PARTS A AND B OF MEDICARE. WE OFFER MOST MEDICARE STANDARDIZED PLANS THROUGH SEVERAL EXCELLENT INSURANCE CARRIERS. [... read more]

 
Category: Personal Insurance
     

     

Short Term Health Insurance

WE OFFER SHORT TERM MEDICAL EXPENSE POLICIES FOR THOSE BETWEEN JOBS, TEMPORARILY LAID OFF, OR WAITING FOR GROUP COVERAGE. WE ALSO OFFER SHORT-TERM INTERNATIONAL COVERAGE FOR THOSE OF YOU WHO ARE PLANNING TO SPEND TIME OVERSEAS. [... read more]

 
Category: Personal Insurance
     

     

Dental Plan

IF YOU ARE LOOKING FOR A DENTAL PLAN THAT OFFERS PREVENTIVE CARE, EITHER FREE OR WITH A SMALL CO-PAYMENT, AND PROVIDES UP TO 75% SAVINGS ON OTHER PROCEDURES, WE MAY HAVE A PLAN FOR YOU. PREEXISTING CONDITIONS ARE COVERED FROM THE START. [... read more]

 
Category: Personal Insurance
     

     

Searching for Affordable Group Major Medical?

We offer group health plans for groups with 2+ employees, with many available options. Employees can have the flexibility of deductibles, PRO networks, and out of pocket costs within a single plan. [... read more]

 
Category: Personal Insurance
     

     

The Changing Face of Caregivers in America

As society ages we are finding more often that adult children are becoming Caregivers to their aging parents. The majority of men and women reported having to modify schedules and miss some work because of caregiving responsibilities. [... read more]

 
Category: Personal Insurance
     

     

Three Legal Papers You Shouldn't Live Without

1. A durable power of attorney for health care - lets you name who will make medical decisions for you. [... read more]

 
Category: Personal Insurance
     

     

Top Five Causes of LTD

THE LEADING CAUSE OF LONG-TERM DISABILITY AMONG WORKING AGE AMERICANS WAS CANCER, ACCORDING TO CLAIMS SUBMITTED DURING 2001 TO UNUMPROVIDENT OF CHATTANOOGA TENNESSEE. UNUMPROVIDENT RECEIVES MORE THAN 400,000 NEW DISABILTY CLAIMS EACH YEAR, 25% OF WHICH INVOLVE LONG-TERM DISABILITY. [... read more]

 
Category: Personal Insurance
     

     

Four Key Reasons to Buy Long-Term Care Insurance

1. Preserve your assets for your family instead of spending the money on long-term care. [... read more]

 
Category: Personal Insurance
     

     

Are You Protecting Your Future?

Disability insurance (Dl), sometimes referred to as income protection, is exactly that. It protects your ability to earn a living. [... read more]

 
Category: Personal Insurance
     

     

Do You Think You Are Uninsurable?

Give us a call for a no cost obligation quote on life, health or disability insurance. We have several new insurance carriers and plans available, and we may be able to help you find insurance coverage. [... read more]

 
Category: Personal Insurance
     

     

Life Insurance

According to a recent LIMRA study, the top seven reasons people don't buy life insurance are:

1. I can't afford it. [... read more]

 
Category: Personal Insurance
     

     

Identity Theft

ADD IDENTITY THEFT RECOVERY COVERAGE ONTO YOUR HOME OWNERS POLICY FOR ONLY $20.00 PER YEAR!!!! THIS ENDORSEMENT PROVIDES COVERAGE FOR CASE MANAGEMENT SERVICES AND EXPENSE REIMBURSEMENT COVERAGE IF THERE HAS BEEN AN IDENTITY THEFT INVOLVING THE PERSONAL IDENTITY OF YOU, THE INSURED, FOR UP TO $25,000. [... read more]

 
Category: Personal Insurance
     

     

Home Safety

Next to your kitchen stove or a heater, your clothes dryer is a big fire risk. Try not to leave your home with the dryer running. [... read more]

 
Category: Personal Insurance
     

     

Renter's Insurance

Renter's insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you experience, a fire or loss of your possessions, it is almost never covered by your landlord's insurance. [... read more]

 
Category: Personal Insurance
     

     

They are Just Big Sweeeeeties!!!

Pets can be a joy to own. But no matter how cute and cuddly your pet may be, if your pet causes an accident, injures someone, or damages someone's property, you could be held liable. [... read more]

 
Category: Personal Insurance
     

     

 

 


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