Choosing the right health insurance plan is one of the most important decisions you will make in your lifetime. For two critical reasons, first your choice of plan will determine the healthcare treatment you or a family member will have access to should they need medical attention AND secondly your choice can protect your family’s
Choosing the correct Life Insurance Plan
Choosing the right life insurance plan is one of the most important decisions you will make in your lifetime. For two reasons, first proper life insurance coverage can guarantee that your loved ones will not have to suffer financially should the unspeakable occur and there’s a premature death of one of the parents. Secondly, life
How to lower the cost of health insurance premiums.
One of the easiest ways to immediately lower your health insurance premiums is to adjust the deductible on your plan. The deductible on a plan is the amount you are responsible for BEFORE the health insurance company starts paying. The general rule of thumb is the higher the deductible on the plan the lower the
What is an annuity?
After years of recommending annuities to clients, I am still amazed at how misunderstood the product is. It’s evident to all of us in the financial services industry that banks have done a terrific job of marketing CDs and insurance companies have done a terrible job at marketing and educating the general public about annuities.

