Small Business Health Tax Credit

As the info from the Health Care Reform has been rolling out, we have been passing it along to our clients, but I just realized this morning that some agents are running scared and not servicing their clients, so I am going to start posting what I know here as well for others to view. Read more

Change for the better

We are making improvements to our service for you! Read more

Freedom isn’t Free!

I got these two photos through email from one of my valued clients.  They both gave me chills as I stared at them.  See full size images here: Read more

Inside Edition Investigates sales tactics of some Bankers Life and Casualty Agents

This story makes me sad because I see bad agents like this all the time.  Just want to let you know that you should never be pressured into doing something, and always get a second opinion from an Independent agent who is not controlled by any one company.

Full Story Here

Homeowners insurance does not cover flooding!

Yep, yesterday was a wet one, and if you got water in your basement you are not alone.  I live at the top of a hill and still got water in my newly finished basement.  You don’t even know how mad I was this morning when I went downstairs.  Just yesterday before the storms rolled through we moved our area rugs and couches downstairs, went to bed at 2 am thinking we were safe, woke up with a river running through the middle of everything.

This morning we have had several calls and has made me sad to tell people that the flood insurance they turned down is the coverage that would have taken care of the damages.  Homeowners insurance does not cover flooding, and when a rain storm rolls through, unless the storm tears a hole in your house then floods you out, your not covered.  You have to pick up some flood insurance.

Depending on what flood zone you live in, preferred policies start as low as $119 for the year.

Click here to learn more about flood insurance and what it does and does not cover.  Information shared is from FEMA’s National Flood Insurance Program

Feel free to call with any questions.

Another One Bites the Dust

For some reason when I hear the term Medicare Advantage, that Queen song “Another One Bites the Dust”  keeps playing on a loop in my head, and yesterday I figured out why.  Yesterday CIGNA announced that it will NOT offer its Medicare Access (PFFS) in 2011. Read more

Clash Over Medicare Advantage

And so it begins, the insurance companies who would like to offer Medicare Advantage plans in 2011, were required to submit their bids to offer plans to Centers for Medicare and Medicaid Services (CMS) this week.   Read more

Welcome to our new site

Over the past couple of years we have developed a few nitche areas that we offer services no one can match.  Along those lines we have created separate websites for all of those areas due to the vast amount of information we share with our clients. Read more

Medicare Part D Rebate

The Affordable Care Act passed by congress has a provision that will allow those who have a Medicare Part D Prescription program that has reached the doughnut hole, or coverage gap to receive a $250 rebate check.  To qualify you have to Read more

Congress Fails to re-authorize National Flood Program

Once again our congress has failed to pass an extention or a long-term fix for the National Flood Insurance Program through FEMA for the second time this year. Read more